# SBIC Personal Mobile vs SBI Authenticator

The clearest difference is rating: SBIC Personal Mobile at 3.1 against SBI Authenticator's 1.2. SBIC Personal Mobile also leads on device support (3 vs 1) and iOS requirement (11.0 vs 17.0). SBI Authenticator's advantage is update cadence (every 2 months vs every 10 months) and review sentiment (22% vs 0%). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SBIC Personal Mobile holds the better App Store score, 3.1 against 1.2. Both are backed by a comparable volume of ratings — 10 and 24 respectively. Written reviews complicate that: 0% of SBIC Personal Mobile's written reviews are positive against 22% of SBI Authenticator's, so the app with the better star average is not the one people write more warmly about.

SBIC Personal Mobile ships an update every 10 months, SBI Authenticator every 2 months. The most recent releases landed on September 25, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | SBIC Personal Mobile | SBI Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.1 (10 ratings)](https://appshunter.io/ios/app/sbic-personal-mobile/id1145822976/reviews)** | [1.2 (24 ratings)](https://appshunter.io/ios/app/sbi-authenticator/id6753866762/reviews) |
| Number of ratings | 10 | **24** |
| Positive reviews | 0.0% of reviews | **21.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 89 MB | 72 MB |
| Requires iOS | **11.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [State Bank of India (California)](https://appshunter.io/developer/1145822975) | [State Bank of India](https://appshunter.io/developer/503784436) |

## What reviewers say

### SBIC Personal Mobile

[App page](https://appshunter.io/ios/app/sbic-personal-mobile/id1145822976)

Manage your finances on the go with this mobile banking application. Check balances, transfer funds between accounts, pay bills, deposit checks, and send money to others directly from your device.

**Highlights:** Check account balances, Transfer funds between accounts, Schedule bill payments, Deposit checks remotely, Send and receive person-to-person payments

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### SBI Authenticator

[App page](https://appshunter.io/ios/app/sbi-authenticator/id6753866762)

This app provides a secure and convenient way to authenticate digital banking transactions, reducing reliance on SMS OTPs. It offers multiple authentication methods like prompt-based approvals and QR code scanning for enhanced security.

**Highlights:** Secure authentication, Reduces SMS OTP dependency, Prompt-based approvals, QR code scanning, App-based OTP, Supports SBI Yono Lite, RINB, MINB

**In-app purchases:** none


## Frequently asked questions

### Is SBIC Personal Mobile free?

SBIC Personal Mobile is free to download, with no in-app purchases.

### Is SBI Authenticator free?

SBI Authenticator is free to download, with no in-app purchases.

### Which has better reviews, SBIC Personal Mobile or SBI Authenticator?

SBIC Personal Mobile is rated higher. SBIC Personal Mobile averages 3.1 out of 5 from 10 ratings, while SBI Authenticator averages 1.2 from 24 ratings.

### Do SBIC Personal Mobile or SBI Authenticator have ads?

Neither SBIC Personal Mobile nor SBI Authenticator shows ads.

### Which is updated more often, SBIC Personal Mobile or SBI Authenticator?

SBIC Personal Mobile ships an update every 10 months, and SBI Authenticator every 2 months. Most recently, SBIC Personal Mobile was updated on September 25, 2026 and SBI Authenticator on October 16, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*