Comparison

IdentityForce vs EBCentral

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

IdentityForce

This app provides active members with anywhere access to identity theft protection. It offers advanced fraud monitoring, credit report tracking, and identity restoration services, all secured with two-factor authentication and Touch ID. Stay protected from fraud on the go with timely alerts and secure access.

Highlights
  • Advanced Fraud Monitoring
  • 3-Bureau Credit Report Monitoring
  • Identity Restoration Experts
  • Interactive Identity Alerts
  • Encrypted Anywhere-Access
  • Two Factor Authentication (2FA)
  • Device Scanning with VPN
Features
Read full description

The IdentityForce Mobile App, brought to you by IdentityForce, Inc., enables active members to take their Identity Theft Protection anywhere – world-class capabilities empowering you to spot fraud quickly with a snapshot view of all critical alert notifications. Depending on the IdentityForce Plan selected, members get access to Advanced Fraud Monitoring, 3-Bureau Credit Report Monitoring, and identity restoration experts. Designed and influenced by our members through surveys and a preview community, IdentityForce has built and released a mobile app that features intuitive navigation with a zero-tolerance policy for advertising or promotional materials. IdentityForce’s top priority is security, and the mobile app features both Two Factor Authentication (2FA) and Touch ID. So no matter whether you are traveling overseas, away on vacation, or you just don’t want to be tethered to your desktop computer, IdentityForce Mobile makes sure you are protected anywhere, anytime. For nearly 40 years, IdentityForce, Inc. has provided best-in-class, highly scalable, award-winning identity theft, privacy, and credit protection solutions to consumers, businesses, and government agencies. A pioneer of identity protection, IdentityForce’s innovation and customer-centric approach has made the company a trusted partner for both organizations and individuals. Take your fraud protection to the next level with… • Convenient and confidence-boosting security • Encrypted anywhere-access • Interactive identity alerts • Secure storage edits & uploads • Timely fraud news & tips • Comprehensive device scanning including an encrypted virtual private network (VPN) To download the IdentityForce Mobile App, you need to be an active IdentityForce Member. You must be at least 18 years of age to access or download this app. If you are under 18 years of age, you are prohibited from accessing or downloading this app. Read more in our Terms of Service below.  Learn more about IdentityForce at https://www.identityforce.com. Terms of Use: https://www.sontiq.com/terms-of-use/ Privacy Policy: https://www.sontiq.com/privacy-policy/ For technical support or questions, contact us at 1-888-439-7443.

About

EBCentral

Manage all your benefit accounts, including FSA, HSA, HRA, and commuter benefits, in one convenient app. Track your money, view account activity, submit claims with photos of receipts, and manage your benefits card with real-time notifications.

Highlights
  • Unified benefit account management
  • Track balances and activity
  • Submit claims with receipt photos
  • Manage benefits card
  • Real-time transaction notifications
  • Biometric login
Features
Read full description

EBCentral gives you a clear, simple way to manage all your benefit accounts in one place. Whether you use an FSA, HSA, HRA, or commuter benefits, the app helps you track your money, stay organized, and take action fast. Your Benefits at a Glance Open the app to see your balances, recent activity, important dates, and quick access to the tools you use most. Understand Your Spending Tap into any account to review contributions, purchases, remaining funds, and plan deadlines—everything you need to stay on track throughout the year. Submit Claims Easily Take a photo of your receipt, upload it, and submit. You can follow the status of each claim from start to finish, with most reviewed in 1–2 business days. Manage Your Benefits Card Get instant push notifications when your Benefits Card is used, so you always know what’s happening in real time. If a Benefits Card purchase needs a receipt, you can upload it instantly to keep your account in good standing. Track Deposits and Activity View every deposit, swipe, and reimbursement in one place. Filter your history to quickly find exactly what you’re looking for. Get Help When You Need It Read messages, access helpful resources, or reach out for additional support—all within the app. Strong, Secure Access Use biometric login to keep your information protected EBCentral brings everything together so you can focus less on managing benefits and more on using them.

Screenshots

IdentityForce4 screens
EBCentral4 screens

Verdict

The call

The clearest difference is rating: EBCentral at 4.7 against IdentityForce's 2.9. EBCentral also leads on review sentiment (27% vs 13%). IdentityForce's advantage is iOS requirement (15.6 vs 17.5). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

EBCentral holds the better App Store score, 4.7 against 2.9. Both are backed by a comparable volume of ratings — 500 and 168 respectively. Written reviews point the same way: 13% of IdentityForce's written reviews are positive against 27% of EBCentral's.

UpkeepUpdate frequency

IdentityForce ships an update every 2 months, EBCentral monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
IdentityForce versus EBCentral: the parameters behind the verdict, then further details
ParameterIdentityForceEBCentral
PriceFreeFree
Rating2.9 (500 ratings)4.7 (168 ratings) — better
Positive reviews12.7% of reviews26.7% of reviews — better
Number of ratings500 — better168
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better17.5
Further details — not scored
Size38 MB40 MB
Age rating17+4+
DeveloperIdentityForce, IncEmployee Benefits Corporation

Customer experience

IdentityForce

All ratings499 ratings
Positive42.3%
Neutral10.0%
Negative47.7%
Written reviews110 reviews
Positive12.7%
Neutral10.0%
Negative77.3%

EBCentral

All ratings168 ratings
Positive92.3%
Neutral1.8%
Negative6.0%
Written reviews75 reviews
Positive26.7%
Neutral8.0%
Negative65.3%

User reviews

IdentityForce

From 500 App Store ratings

What we love

  • 🚀 Fast alerts
  • 🔒 Comprehensive identity protection
  • 👍 Easy to use

Room to improve

  • 🐛 Buggy app with frequent crashes
  • 🔍 Limited app functionality compared to website
  • 🤔 Delayed credit score updates
  • 🤯 Frustrating login/authentication issues

EBCentral

From 168 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast submission
  • 👍 Clear instructions
  • 🚀 Efficient review
  • 👍 Clean and simple interface

Room to improve

  • 🐛 Login issues
  • 🐛 App crashes
  • 🐛 Blank screens
  • 🐛 Incorrect credentials error
  • 🐛 Face ID issues

Bugs and requests

IdentityForce

Reported bugs

4 issues
  • App stuck in perpetual login loop
  • Face ID/Touch ID not working
  • Alerts not displaying properly
  • Blank screens and server errors

Requested features

4 requests
  • Improve app stability and responsiveness
  • Expand app features to match website
  • Streamline login and authentication process
  • Provide faster credit score updates

EBCentral

Reported bugs

50 issues
  • Does not show all accounts (e.g., investment accounts)
  • App closes when trying to view activity
  • Next button does not work during claim submission
  • App does not work on iPhone
  • Error message: username or password wrong
Show 45 more
  • Unable to log in, connection error
  • App closes after clicking what to view
  • Transaction activity exits out of the app
  • App stops working, blank screen
  • Screen doesn't go anywhere after entering information
  • Constant document requests for HSA
  • Cannot log in to activate account
  • Logs out every time, does not save login
  • App not functional, login credentials clear
  • Face ID setting defaults to password
  • Not taking credentials for sign in
  • Login is wrong on app, but fine on browser
  • Empty home screen, no transactions visible
  • Claim submission not working correctly
  • Biometric login disabled frequently
  • Photos don't always upload
  • App closes randomly during use
  • Verification codes not verifying
  • App tells you password on website no longer works
  • Password won't work, Face ID won't work
  • App won't show balance or transactions, blank home screen
  • Main screen shows no data after login
  • Profile page displays 'Loading' and never loads
  • App just spins and spins, can't see information
  • App says PW is wrong, but browser works
  • App won't load after issuing new cards
  • 2 factor authentication default button resends code
  • App requires password even after enabling Face ID
  • App can't handle 2 uploaded pictures, closes and freezes
  • App won't log in with correct username and password
  • App gets worse with each update
  • Mobile app gives incorrect username/password error
  • App takes a long time to load or doesn't load at all
  • Old app was better, new app requires login every time
  • App spins and spins to load, blank screen
  • App provides no info, not even balance
  • App no longer works after setting up HealthSafe ID
  • App is unresponsive when submitting a claim
  • App logs into a blank screen, error message for everything
  • App says user or PW incorrect, but browser works
  • All pages are blank after login
  • App keeps telling me account information is wrong
  • App doesn't load, won't let me log in
  • Default button on 2 factor page resends code
  • Face ID never works, requires password

Requested features

3 requests
  • Add option to replace cards
  • Implement dark mode
  • Improve Face ID/biometric login persistence

In-app purchases

None

IdentityForce

No in-app purchases

None

EBCentral

No in-app purchases

Questions

Is IdentityForce free?
IdentityForce is free to download, with no in-app purchases.
Is EBCentral free?
EBCentral is free to download, with no in-app purchases.
Which has better reviews, IdentityForce or EBCentral?
EBCentral is rated higher. IdentityForce averages 2.9 out of 5 from 500 ratings, while EBCentral averages 4.7 from 168 ratings.
Do IdentityForce or EBCentral have ads?
Neither IdentityForce nor EBCentral shows ads.
Which is updated more often, IdentityForce or EBCentral?
IdentityForce ships an update every 2 months, and EBCentral monthly. Most recently, IdentityForce was updated on November 2, 2026 and EBCentral on November 3, 2026.

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