Comparison

Metrobank Authenticator vs Cloverly

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

Head to head
About

Metrobank Authenticator

This app generates one-time use PIN codes for secure multi-factor authentication with your bank's e-channels. Use the generated code with your username and password to validate transactions and access online banking services.

Highlights
  • Generates one-time use PIN codes
  • Multi-factor authentication
  • Securely validates transactions
  • Access to e-channels
  • Dynamic security code generation
Features
Read full description

Metrobank Authenticator is a mobile application service to be used for MBTC’s e-channels for multi-factor authentication (OTP) authentication. It dynamically generate a one-time use PIN code on your mobile device. Use that code along with your username and password. HOW TO USE: Metrobank Authenticator will generate a Security Code as your One-Time-Pin (OTP), which will be used to access Metrobank’s Electronic Banking Channel to validate or authenticate your transaction. Follow the procedures below to use Metrobank’s Multi-Factor Authentication (MFA) service: 1. Download Metrobank Authenticator application. 2. Contact your Metrobank Representative to register the Authenticator ID generated by the application in Metrobank’s Electronic Banking Channel. 3. Once Authenticator ID has been registered, enter and submit your User ID and password in Metrobank’s Electronic Banking Channel. When asked for an OTP, input the security code generated by the Metrobank Authenticator. 4. Upon successful login, you will be re-directed to Metrobank’s Electronic Banking Channel to proceed initiating your transactions.

About

Cloverly

Read full description

Cloverly is your all-in-one real estate companion, designed to make property buying seamless and stress-free. Whether you’re securing your dream home or managing your purchase, our app keeps you in control every step of the way. Key Features: •View Your Property Details – Get real-time access to essential information about your purchased property, including unit specifications, payment breakdowns, and key documents. •Submit & Track Requirements – Easily upload required documents and track their status, ensuring a smooth approval process. •Stay Updated – Receive timely notifications about important updates, payment schedules, and developer announcements. •Seamless Communication – Get support and guidance directly within the app, eliminating back-and-forth emails and paperwork. Cloverly gives you full visibility and control over your property purchase, making the process smooth and stress-free. Download now and stay on top of your home-buying journey!

Screenshots

Metrobank Authenticator4 screens
Cloverly4 screens

Verdict

The call

The clearest difference is update cadence: Cloverly at every 3 weeks against Metrobank Authenticator's every 5 months. Cloverly also leads on iOS requirement (15.5 vs 17.6). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Metrobank Authenticator ships an update every 5 months, Cloverly every 3 weeks. The most recent releases landed on October 24, 2026 and October 16, 2026 respectively.

Scorecard2 real differences · 6 level
Metrobank Authenticator versus Cloverly: the parameters behind the verdict, then further details
ParameterMetrobank AuthenticatorCloverly
PriceFreeFree
Positive reviews25.0% of reviews—
Update frequencyEvery 5 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.615.5 — better
Further details — not scored
Size22 MB78 MB
Age rating4+4+
DeveloperMetropolitan Bank & Trust CompanyAtlas Technologies Inc

In-app purchases

None

Metrobank Authenticator

No in-app purchases

None

Cloverly

No in-app purchases

Questions

Is Metrobank Authenticator free?
Metrobank Authenticator is free to download, with no in-app purchases.
Is Cloverly free?
Cloverly is free to download, with no in-app purchases.
Do Metrobank Authenticator or Cloverly have ads?
Neither Metrobank Authenticator nor Cloverly shows ads.
Which is updated more often, Metrobank Authenticator or Cloverly?
Metrobank Authenticator ships an update every 5 months, and Cloverly every 3 weeks. Most recently, Metrobank Authenticator was updated on October 24, 2026 and Cloverly on October 16, 2026.

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