Comparison

EBS Authenticator vs Bankinter Ireland

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

Bankinter Ireland

Read full description

We’re Ireland’s newest bank Bankinter brings award-winning banking to Ireland, trusted by millions across Europe. Trusted heritage: Over six decades of banking experience across Europe Spain, Portugal, Luxembourg - and now Ireland. Local roots: Already part of Irish households through Avant Money. nn Customer-first: Products built around your needs — not ours. More to come: We’re just getting started, with more everyday banking solutions on the way. Key Features Check Balance: See your Bankinter Fixed Term Deposit balance in seconds. Secure Messaging: Chat with us safely through encrypted messaging. Stay Updated: Ger instant alerts and updates. Manage Account: Keep your Fixed Term Deposit details current and organised. Getting started: Log in with your username (from your welcome email) and activation code (sent by SMS.) That’s it! These details are essential for your first-time login and ongoing secure access. About Bankinter As of April 1st, 2025, Avant Money is now part of Bankinter, one of Europe’s most trusted and well-established financial institutions. Founded in 1965, Bankinter is Spain’s fifth-largest bank, with a strong reputation for innovation, smart tech and great service. Bankinter operates successfully in Spain, Portugal, and Luxembourg, and is now bringing the same expertise and value-driven products to Ireland. Important information Touch ID requires at least iPhone5s running iOs 11.0 or above Face ID authentication requires either iPhone X or later models that support face ID Your phone’s signal and functionality may affect your service Terms of use apply https://ireretail.pre.bankinter.bk/file_source/ireretail/Privada/Digital Terms and Conditions.pdf We take your privacy seriously. You can review our policy here: Privacy Policy

Screenshots

EBS Authenticator3 screens
Bankinter Ireland4 screens

Verdict

The call

EBS Authenticator and Bankinter Ireland are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 9, 2026 and October 1, 2026 respectively.

ScorecardNo meaningful differences
EBS Authenticator versus Bankinter Ireland: the parameters behind the verdict, then further details
ParameterEBS AuthenticatorBankinter Ireland
PriceFreeFree
Rating1.6 (5 ratings) — better—
Positive reviews12.5% of reviews—
Number of ratings5 — better—
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15 — better16.0
Further details — not scored
Size8 MB171 MB
Age rating4+4+
DeveloperEBS designated activity companyBankinter

In-app purchases

None

EBS Authenticator

No in-app purchases

None

Bankinter Ireland

No in-app purchases

Questions

Is EBS Authenticator free?
EBS Authenticator is free to download, with no in-app purchases.
Is Bankinter Ireland free?
Bankinter Ireland is free to download, with no in-app purchases.
Do EBS Authenticator or Bankinter Ireland have ads?
Neither EBS Authenticator nor Bankinter Ireland shows ads.
Which is updated more often, EBS Authenticator or Bankinter Ireland?
EBS Authenticator ships an update every 2 months, and Bankinter Ireland every 2 months. Most recently, EBS Authenticator was updated on October 9, 2026 and Bankinter Ireland on October 1, 2026.

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