EBS Authenticator vs HSSCU
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.
HSSCU
Manage your finances on the go with secure login, view balances, make transfers, and set up payments. Apply for loans, calculate interest, upload documents, and e-sign for faster approval. Easily update your profile details.
- Secure Touch ID login
- View account balances
- Make transfers and payments
- Set up direct debits/standing orders
- Online loan applications
- E-signature for loan documents
- Update personal profile
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Secure log in - Touch ID login provides a quick and secure method for you to log in Balances at a glance and online payments - View all of your balances - Make transfers to other accounts - Set up direct debits or standing orders - Make online payments. - Manage and add new Payees. Apply for a loan and be approved from wherever you are - The online loan calculator allows you to check how much interest you would pay back on your loan. - With the online loan application, you can uploads your supporting documents and see your application status from your account. - E-signatures technology allows you to e-sign documents for your loan so you can get approved (and paid) faster! Manage your profile - Easily update your personal details and change your password and PIN without having to contact your Credit Union
Screenshots
Verdict
The clearest difference is rating: HSSCU at 2.0 against EBS Authenticator's 1.6. HSSCU also leads on iOS requirement (12.0 vs 15). EBS Authenticator's advantage is update cadence (every 2 months vs every 9 months) and review sentiment (17% vs 0%). On price, ads, in-app purchases and monetization model 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.
HSSCU 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 HSSCU's, so the app with the better star average is not the one people write more warmly about.
EBS Authenticator ships an update every 2 months, HSSCU every 9 months. The most recent releases landed on July 5, 2026 and September 18, 2026 respectively.
| Parameter | EBS Authenticator | HSSCU |
|---|---|---|
| Price | Free | Free |
| Rating | 1.6 (5 ratings) | 2.0 (1 ratings) — better |
| Positive reviews | 16.7% of reviews — better | 0.0% of reviews |
| Number of ratings | 5 — better | 1 |
| Update frequency | Every 2 months — better | Every 9 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15 | 12.0 — better |
| Further details — not scored | ||
| Size | 8 MB | 16 MB |
| Age rating | 4+ | 4+ |
| Developer | EBS Designated Activity Company | Health Services Staff Credit Union Ltd |
Customer experience
EBS Authenticator
HSSCU
In-app purchases
EBS Authenticator
No in-app purchases
HSSCU
No in-app purchases
Questions
Is EBS Authenticator free?
Is HSSCU free?
Which has better reviews, EBS Authenticator or HSSCU?
Do EBS Authenticator or HSSCU have ads?
Which is updated more often, EBS Authenticator or HSSCU?
Other comparisons
