# EBS Authenticator vs St Raphael's CU Mobile Banking

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.

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.

## The numbers

| Metric | EBS Authenticator | St Raphael's CU Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.6 (5 ratings)](https://appshunter.io/ios/app/ebs-authenticator/id1474044959/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 16.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 13 months |
| Monetization | Free | — |
| Size | 8 MB | 74 MB |
| Requires iOS | 15 | **11.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [EBS Designated Activity Company](https://appshunter.io/developer/1474044958) | [St Raphaels Garda Credit Union](https://appshunter.io/developer/1490099939) |

## What reviewers say

### EBS Authenticator

[App page](https://appshunter.io/ios/app/ebs-authenticator/id1474044959)

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.

**Highlights:** Secure login for online banking, Strong Customer Authentication (SCA), Fraud prevention, One-time activation codes, Mobile device pairing

**Features:** macOS Compatibility

**In-app purchases:** none


### St Raphael's CU Mobile Banking

[App page](https://appshunter.io/ios/app/st-raphaels-cu-mobile-banking/id1519247052)

**In-app purchases:** none


## Frequently asked questions

### Is EBS Authenticator free?

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

### Is St Raphael's CU Mobile Banking free?

St Raphael's CU Mobile Banking is free to download, with no in-app purchases.

### Do EBS Authenticator or St Raphael's CU Mobile Banking have ads?

Neither EBS Authenticator nor St Raphael's CU Mobile Banking shows ads.

### Which is updated more often, EBS Authenticator or St Raphael's CU Mobile Banking?

EBS Authenticator ships an update every 2 months, and St Raphael's CU Mobile Banking every 13 months. Most recently, EBS Authenticator was updated on July 5, 2026 and St Raphael's CU Mobile Banking on September 14, 2026.

---

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