EBS Authenticator vs St Raphael's CU Mobile Banking
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.
St Raphael's CU Mobile Banking
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With the St Raphael's Mobile Banking app you can: Apply for loans Transfer funds Setup and edit payees Upload documents Edit your profile Set up standing orders View direct debits Share you IBAN ...and much more. To use the app you must be a member and registered for online banking with St Raphael's Credit Union St Raphael's Garda Credit Union Limited is regulated by the Central Bank of Ireland.
Screenshots
Verdict
The clearest difference is update cadence: EBS Authenticator at every 2 months against St Raphael's CU Mobile Banking's every 13 months. St Raphael's CU Mobile Banking's advantage is iOS requirement (11.0 vs 15). 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, St Raphael's CU Mobile Banking every 13 months. The most recent releases landed on July 5, 2026 and September 14, 2026 respectively.
| Parameter | EBS Authenticator | St Raphael's CU Mobile Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 1.6 (5 ratings) — better | — |
| Positive reviews | 16.7% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 2 months — better | Every 13 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15 | 11.0 — better |
| Further details — not scored | ||
| Size | 8 MB | 74 MB |
| Age rating | 4+ | 4+ |
| Developer | EBS Designated Activity Company | St Raphaels Garda Credit Union |
In-app purchases
EBS Authenticator
No in-app purchases
St Raphael's CU Mobile Banking
No in-app purchases
Questions
Is EBS Authenticator free?
Is St Raphael's CU Mobile Banking free?
Do EBS Authenticator or St Raphael's CU Mobile Banking have ads?
Which is updated more often, EBS Authenticator or St Raphael's CU Mobile Banking?
Other comparisons
