EBS Authenticator vs Cabova

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.

WHAT IS YOUR FREEDOM NUMBER? Cabova is the financial independence simulator that tells you exactly when you can stop working — and proves it with the math. Unlike budgeting apps that track your past, Cabova simulates your future. Enter your pensions, savings, and monthly expenses. Cabova projects the precise age at which your pot can sustain you for life. —————————————————————— PRIVACY FIRST —————————————————————— Your financial data never leaves your device. No bank connections. No account required. No cloud. Just powerful projections running entirely on your phone. —————————————————————— KEY FEATURES —————————————————————— • Freedom Age Engine — Calculate the exact age you can retire based on your real numbers, not assumptions. • What-If Simulator — Instantly see how a pay rise, lump sum, or extra pension contribution changes your Freedom Age. • Pension Portfolio — Consolidate multiple pension pots (DB, DC, PRSA, SIPP) into one projection. • Net Worth Dashboard — Track liquid and non-liquid assets in a single clean view. • Inflation Modelling — All projections are inflation-adjusted for real purchasing power. • Tax-Aware Projections — Built-in logic for Irish and UK pension tax rules (ARF, PRSA, SIPP, AVC). —————————————————————— WHO IS CABOVA FOR? —————————————————————— • FIRE community members calculating their Financial Independence number • Anyone with multiple pension pots wanting a unified picture • People who want to retire early and need to know the exact gap to bridge • High earners maximising pension tax relief • Anyone frustrated with spreadsheets who wants precision without complexity —————————————————————— GLOBAL WITH LOCAL DEPTH —————————————————————— Cabova works for any country using manual inputs, with deep built-in support for Irish and UK pension tax rules. Free to download. No subscription. Your data stays on your device — always.