Comparison

EBS Authenticator vs Avant Money

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

Head to head
About

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.

Highlights
  • Secure login for online banking
  • Strong Customer Authentication (SCA)
  • Fraud prevention
  • One-time activation codes
  • Mobile device pairing
Features
Read full description

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.

About

Avant Money

Manage your credit card securely on the go. Approve online purchases, receive transaction alerts, and control your spending. View transactions, make payments, and download statements easily.

Highlights
  • Approve online purchases
  • Receive transaction alerts
  • Card spending control
  • Make payments
  • View and download statements
  • Biometric login
Features
Read full description

The Avant Money app will help you manage your credit card on the go. Our secure app allows you to approve online purchases, receive transaction alerts when your card gets used, and much more. App features • Keep on top of your spending with our card spending control features and choose the alerts you want to receive. Our card features will enable you to receive alerts for spend amounts over a certain value, get alerts when your card is used in various locations, like an ATM, or if your card is used to spend abroad. • Make shopping online even more secure by approving or declining your purchases in-app by simply presenting your Fingerprint, Face or entering your 4-digit app login passcode. • Make a payment to your account with a debit card • View your transactions and transaction details. • View and download your statements. Getting started It’s quick and easy. Existing Avant Money customers will need: • Your existing Avant Money username and password that you currently use to access your account on my.avantmoney.ie. • Register your mobile, we’ll send an SMS to your phone to confirm it’s you. • Create a 4-digit login passcode and choose to use your Face or Fingerprint as a secure alternate login method. New to Avant Money? • Once we send you your card and account details, visit my.avantmoney.ie and register your details online. You’ll need to create a username and password and then you can set up the Avant Money app on your phone. • Register your mobile, create a 4-digit login passcode and choose to use your Face or Fingerprint as a secure alternate login method. Supported devices • Touch ID requires at least iPhone 5s running iOS 11.0 or above. • Face ID requires either iPhone X or later models that support Face ID. Important information • Your phone’s signal and functionality may affect your service. • Terms of use apply. Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.

Screenshots

EBS Authenticator3 screens
Avant Money4 screens

Verdict

The call

The clearest difference is rating: Avant Money at 2.0 against EBS Authenticator's 1.6. EBS Authenticator's advantage is review sentiment (17% vs 0%) and ratings volume (5 vs 1). On price, update cadence, ads and in-app purchases 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

Avant Money holds the better App Store score, 2.0 against 1.6. That said, the two scores are not equally well evidenced: EBS Authenticator has 5 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 17% of EBS Authenticator's written reviews are positive against 0% of Avant Money's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on July 5, 2026 and June 11, 2026 respectively.

Scorecard3 real differences · 7 level
EBS Authenticator versus Avant Money: the parameters behind the verdict, then further details
ParameterEBS AuthenticatorAvant Money
PriceFreeFree
Rating1.6 (5 ratings)2.0 (1 ratings) — better
Positive reviews16.7% of reviews — better0.0% of reviews
Number of ratings5 — better1
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS1515.0
Further details — not scored
Size8 MB53 MB
Age rating4+4+
DeveloperEBS Designated Activity CompanyBankinter SA

Customer experience

EBS Authenticator

All ratings5 ratings
Positive20.0%
Neutral0.0%
Negative80.0%
Written reviews6 reviews
Positive16.7%
Neutral0.0%
Negative83.3%

Avant Money

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

EBS Authenticator

No in-app purchases

None

Avant Money

No in-app purchases

Questions

Is EBS Authenticator free?
EBS Authenticator is free to download, with no in-app purchases.
Is Avant Money free?
Avant Money is free to download, with no in-app purchases.
Which has better reviews, EBS Authenticator or Avant Money?
Avant Money is rated higher. EBS Authenticator averages 1.6 out of 5 from 5 ratings, while Avant Money averages 2.0 from 1 ratings.
Do EBS Authenticator or Avant Money have ads?
Neither EBS Authenticator nor Avant Money shows ads.
Which is updated more often, EBS Authenticator or Avant Money?
EBS Authenticator ships an update every 2 months, and Avant Money every 2 months. Most recently, EBS Authenticator was updated on July 5, 2026 and Avant Money on June 11, 2026.

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