Comparison

Premium Credit vs AIB Authenticator

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

Head to head
About

Premium Credit

Upload identity documents and review loan details to support your loan application. Securely verify personal information, eSign terms, and submit required photos for processing. This app is for Irish residents who have already applied for a loan.

Highlights
  • Secure login and personal detail confirmation
  • Review loan details
  • Review and eSign loan terms
  • Upload ID photos
  • Secure document submission
Features
Read full description

Use the Premium Credit eJourney App to upload your identity information in support of your loan application. The information you give us will be used to create your customer file, verify your identity and process your loan application. You have been directed to this App following the loan application you made to us. You will have received an Access Code via SMS and/or Email to unlock the app, allowing you to send us your identification information. With this App, you can: 1. Login securely and confirm your personal details are correct. 2. Review your loan details. 3. Review and accept the terms and conditions of your loan application, and eSign if you wish to proceed. 4. Send us your photo and photos of the ID documentation required to support your loan. 5. Upload everything to our secure server so we can review and progress your application. If you have any difficulty using the app, press the help icon for assistance. IMPORTANT: This app is for Irish resident customers only. To use the App you must have made a loan application to Premium Credit. Premium Credit Limited trading as Premium Credit Ireland and Fairway Credit is regulated by the Central Bank of Ireland.

About

AIB Authenticator

Enhance your account security with two-factor authentication. This app provides an extra layer of protection for logging in and authorizing important transactions. Easily manage your digital profile and authenticate online purchases for added peace of mind.

Highlights
  • Two-factor authentication (2FA)
  • Approve or deny push notifications
  • Manage Digital Profile
  • Set up or reset digital password
  • Authenticate online purchases
Read full description

The AIB Authenticator App enables 2FA (second factor authentication) for your AIB account. The App provides an additional layer of security which will allow you to log in or authenticate critical transactions on your account. Once you are set up you simply have to enter your password, and then approve or deny the push notification sent to your phone. Enrolment is easy. Once you download the app follow the steps to register your device. As part of enrolment you may be asked to create a Digital Profile. Your Digital Profile is a representation of identity information and security credentials which will allow us to uniquely identify you so you enjoy our services more securely. Services Available • Manage your Digital Profile • Set up or reset your Digital password • Business cardholders can authenticate online purchases for Debit or Credit card transactions.

Screenshots

Premium Credit4 screens
AIB Authenticator4 screens

Verdict

The call

The clearest difference is rating: Premium Credit at 3.0 against AIB Authenticator's 1.0. Premium Credit also leads on review sentiment (25% vs 0%) and device support (3 vs 1). 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

Premium Credit holds the better App Store score, 3.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 2 respectively. Written reviews point the same way: 25% of Premium Credit's written reviews are positive against 0% of AIB Authenticator's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on September 16, 2026 and August 27, 2026 respectively.

Scorecard3 real differences · 7 level
Premium Credit versus AIB Authenticator: the parameters behind the verdict, then further details
ParameterPremium CreditAIB Authenticator
PriceFreeFree
Rating3.0 (1 ratings) — better1.0 (2 ratings)
Positive reviews25.0% of reviews — better0.0% of reviews
Number of ratings12 — better
Update frequencyEvery 3 monthsEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.6
Further details — not scored
Size73 MB40 MB
Age rating4+4+
DeveloperPremium Credit LimitedAllied Irish Banks, p.l.c.

Customer experience

Premium Credit

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%
Written reviews4 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

AIB Authenticator

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews28 reviews
Positive0.0%
Neutral3.6%
Negative96.4%

In-app purchases

None

Premium Credit

No in-app purchases

None

AIB Authenticator

No in-app purchases

Questions

Is Premium Credit free?
Premium Credit is free to download, with no in-app purchases.
Is AIB Authenticator free?
AIB Authenticator is free to download, with no in-app purchases.
Which has better reviews, Premium Credit or AIB Authenticator?
Premium Credit is rated higher. Premium Credit averages 3.0 out of 5 from 1 ratings, while AIB Authenticator averages 1.0 from 2 ratings.
Do Premium Credit or AIB Authenticator have ads?
Neither Premium Credit nor AIB Authenticator shows ads.
Which is updated more often, Premium Credit or AIB Authenticator?
Premium Credit ships an update every 3 months, and AIB Authenticator every 3 months. Most recently, Premium Credit was updated on September 16, 2026 and AIB Authenticator on August 27, 2026.

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