EBS Authenticator vs BeepXtra
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.
BeepXtra
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BeepXtra is the official wallet app for BeepXtra members. Manage your BPC balance, earn cashback at thousands of partner outlets, and pay securely — all from your phone. Your wallet, always with you. View your BPC balance and fiat equivalent in real time. Your BeepXtra card lives in the app — physical or virtual. Earn cashback everywhere. Shop at any BeepXtra partner outlet and earn BPC cashback automatically on every purchase. Pay with your phone. Approve payment requests instantly with a secure PIN. Find outlets near you. The built-in map shows every BeepXtra partner outlet nearby.
Screenshots
Verdict
EBS Authenticator and BeepXtra are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
| Parameter | EBS Authenticator | BeepXtra |
|---|---|---|
| Price | Free | Free |
| Rating | 1.6 (5 ratings) — better | — |
| Positive reviews | 12.5% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 2 months | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15 — better | 16.4 |
| Further details — not scored | ||
| Size | 8 MB | 42 MB |
| Age rating | 4+ | 17+ |
| Developer | EBS designated activity company | Beep Xtra Services Ltd |
In-app purchases
EBS Authenticator
No in-app purchases
BeepXtra
No in-app purchases









