# EBS Authenticator vs HSSCU

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.

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.

## The numbers

| Metric | EBS Authenticator | HSSCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.6 (5 ratings)](https://appshunter.io/ios/app/ebs-authenticator/id1474044959/reviews) | **[2.0 (1 ratings)](https://appshunter.io/ios/app/hsscu/id1528532542/reviews)** |
| Number of ratings | **5** | 1 |
| Positive reviews | **16.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 9 months |
| Monetization | Free | Free |
| Size | 8 MB | 16 MB |
| Requires iOS | 15 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [EBS Designated Activity Company](https://appshunter.io/developer/1474044958) | [Health Services Staff Credit Union Ltd](https://appshunter.io/developer/1528532544) |

## 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


### HSSCU

[App page](https://appshunter.io/ios/app/hsscu/id1528532542)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is EBS Authenticator free?

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

### Is HSSCU free?

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

### Which has better reviews, EBS Authenticator or HSSCU?

HSSCU is rated higher. EBS Authenticator averages 1.6 out of 5 from 5 ratings, while HSSCU averages 2.0 from 1 ratings.

### Do EBS Authenticator or HSSCU have ads?

Neither EBS Authenticator nor HSSCU shows ads.

### Which is updated more often, EBS Authenticator or HSSCU?

EBS Authenticator ships an update every 2 months, and HSSCU every 9 months. Most recently, EBS Authenticator was updated on July 5, 2026 and HSSCU on September 18, 2026.

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