EBS Authenticator vs Aviate Credit Union
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.
Aviate Credit Union
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Secure Log in - Biometric 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 upload 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 update cadence: EBS Authenticator at every 2 months against Aviate Credit Union's every 17 months. Aviate Credit Union's advantage is iOS requirement (12.0 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, Aviate Credit Union every 17 months. The most recent releases landed on July 5, 2026 and September 12, 2026 respectively.
| Parameter | EBS Authenticator | Aviate Credit Union |
|---|---|---|
| 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 17 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15 | 12.0 — better |
| Further details — not scored | ||
| Size | 8 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | EBS Designated Activity Company | Aviate Credit Union Ltd |
In-app purchases
EBS Authenticator
No in-app purchases
Aviate Credit Union
No in-app purchases
Questions
Is EBS Authenticator free?
Is Aviate Credit Union free?
Do EBS Authenticator or Aviate Credit Union have ads?
Which is updated more often, EBS Authenticator or Aviate Credit Union?
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