# MCF vs Metro Bank Authenticator

The clearest difference is update cadence: MCF at every 3 months against Metro Bank Authenticator's every 12 months. MCF also leads on review sentiment (13% vs 0%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

MCF ships an update every 3 months, Metro Bank Authenticator every 12 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | MCF | Metro Bank Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.9 (53 ratings)](https://appshunter.io/ios/app/mcf/id1437742327/reviews)** | — |
| Number of ratings | **53** | — |
| Positive reviews | **12.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 12 months |
| Monetization | Free | Free |
| Size | 29 MB | 12 MB |
| Requires iOS | **13.7** | 14.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Milatry Credit Fund](https://appshunter.io/developer/1180970811) | [MetroBank](https://appshunter.io/developer/854725531) |

## What reviewers say

### MCF

[App page](https://appshunter.io/ios/app/mcf/id1437742327)

Securely track your bank balances anytime with this mobile banking app. It offers features like account monitoring, electronic bill payments, currency exchange rate inquiries, and branch location lookups.

**Highlights:** Track bank account balances, Electronic bill payments, Currency exchange rate inquiries, Find branch locations, Secure mobile banking

**Features:** macOS Compatibility

**In-app purchases:** none


### Metro Bank Authenticator

[App page](https://appshunter.io/ios/app/metro-bank-authenticator/id1524446800)

This app provides a secure and convenient way for Metro Bank Business customers to authenticate online banking actions. It replaces the need for a physical security device, allowing for quick verification of logins, payments, and account changes directly from your mobile.

**Highlights:** Authenticate online banking actions, Secure login verification, Approve new payment setups, Confirm account changes, Replaces physical security devices, Convenient mobile authentication

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

**In-app purchases:** none


## Frequently asked questions

### Is MCF free?

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

### Is Metro Bank Authenticator free?

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

### Do MCF or Metro Bank Authenticator have ads?

Neither MCF nor Metro Bank Authenticator shows ads.

### Which is updated more often, MCF or Metro Bank Authenticator?

MCF ships an update every 3 months, and Metro Bank Authenticator every 12 months. Most recently, MCF was updated on October 24, 2026 and Metro Bank Authenticator on October 24, 2026.

---

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