EBS Authenticator vs Life Credit Union
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EBS Authenticator
This app enhances online banking security by providing an extra layer of authentication. It generates one-time activation codes to help prevent fraud and protect your accounts during login.
- Secure login for online banking
- Strong Customer Authentication (SCA)
- Fraud prevention
- One-time activation codes
- Mobile device pairing
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The EBS Authenticator app allows you to pair your mobile device in order to securely log into EBS Your Accounts Online. From August 2019 onwards, when you login to your online banking, you will be asked for additional security details, as well as your current log on details. This extra security layer is to apply what is known as Strong Customer Authentication (SCA) and helps fight fraud and further protect your online banking and payments. You will need a one time activation code from us to setup the app for SCA. Here is what you need to do: 1. Download this EBS Authenticator app. 2. Open the EBS Authenticator app. You will be prompted on screen to enter your Customer ID number and Personal Access Code (PAC) as normal, followed by the 6-digit one time activation code which we send to you by post. Once you have done this you’ll be able to complete SCA at login and use EBS Your Accounts Online.
Life Credit Union
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Welcome to the official mobile banking app for Life Credit Union - designed to provide members with secure, simple, and convenient access to their finances, anytime and anywhere. Built with a focus on security, ease of use, and modern design, this app makes managing your money effortless, whether you're checking a balance or sending a payment. Secure Access - We use the latest security technology to keep your data safe. Log in quickly and securely using your unique PIN, with complete peace of mind that your personal and financial information is protected. Your Accounts, In Your Hand - Instantly view account balances and recent transactions. - Monitor your financial activity with clear, easy-to-read information. Make Transfers Easily - Move money between your Life Credit Union accounts. - Transfer to external bank accounts (payees) safely and securely. - Create new payees easily and securely within the app. - Notify payees when a transfer has been made to them. Manage Your Information - Change your PIN at any time for added security. - Update your email address so we can stay in touch with you. - Review and manage your marketing consents — you're in control of what communications you receive. Contact & Branch Information Need to reach out or visit us in person? The app includes a Contacts & Branches Information sections where you can: - Locate your nearest branch using our interactive map - View addresses, opening hours, and contact details for each location Whether you prefer to call, visit, or send a message — help is always close by. Who Can Use This App? This app is available exclusively to members of Life Credit Union. To get started, you’ll need your unique PIN. If you don’t yet have one, simply: - Call us directly, or - Visit www.lifecu.ie to register for a PIN. Take control of your finances, backed by the people you trust. Secure. Simple. Life Credit Union.
Screenshots
Verdict
The clearest difference is update cadence: EBS Authenticator at every 2 months against Life Credit Union's every 5 months. 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
EBS Authenticator ships an update every 2 months, Life Credit Union every 5 months. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.
| Parameter | EBS Authenticator | Life Credit Union |
|---|---|---|
| Price | Free | Free |
| Rating | 1.5 (6 ratings) — better | — |
| Positive reviews | 12.5% of reviews | — |
| Number of ratings | 6 — better | — |
| Update frequency | Every 2 months — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15 | 15.0 |
| Further details — not scored | ||
| Size | 8 MB | 86 MB |
| Age rating | 4+ | 4+ |
| Developer | EBS designated activity company | Life Credit Union (IRL) |
In-app purchases
EBS Authenticator
No in-app purchases
Life Credit Union
No in-app purchases
Questions
Is EBS Authenticator free?
Is Life Credit Union free?
Do EBS Authenticator or Life Credit Union have ads?
Which is updated more often, EBS Authenticator or Life Credit Union?
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