Comparison

EXCH Mobile vs Metro Bank Authenticator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

EXCH Mobile

Consolidate all your financial accounts into one secure platform. Manage transactions, set alerts, make payments, and deposit checks with ease. This app empowers you to take control of your finances from anywhere.

Highlights
  • Aggregate financial accounts
  • Organize transactions with tags and notes
  • Set balance alerts
  • Make payments and transfer money
  • Mobile check deposit
  • Debit card management
  • View monthly statements
Features
Read full description

EXCH Mobile is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with EXCH Mobile: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the EXCH Mobile app, you must be enrolled as a EXCH Mobile digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

About

Metro Bank Authenticator

This app provides a secure and convenient way for Metro Bank Business customers to authenticate online banking actions. It replaces the need for a physical security device, allowing for quick verification of logins, payments, and account changes directly from your mobile.

Highlights
  • Authenticate online banking actions
  • Secure login verification
  • Approve new payment setups
  • Confirm account changes
  • Replaces physical security devices
  • Convenient mobile authentication
Features
Read full description

We believe that people come first, and that everyone deserves a great experience every step of the way – whether it’s on our app, online or face to face. We’re here to make your life (and your banking) easier, which is why we’ve created our Authenticator app for our Metro Bank Business customers. Need some help? Our Local Business Managers and Relationship Managers are on hand to support you and your business. Features: You can use this app to authenticate certain actions on your Metro Bank Business online banking, like logging in, setting up new payments, or making changes to your account. It only takes a few taps – and there’s no need to worry about finding your physical security device. Metro Bank’s Authenticator app is available for customers registered for Commercial Online Banking and Business Online Plus. Standard data charges from your mobile service provider may apply. Help and support: If you experience any issues downloading or registering the Metro Bank Authenticator app, please visit us in store or call us on 0345 08 08 500. Metro Bank PLC. Registered in England and Wales. Company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Metro Bank PLC is an independent UK Bank - it is not affiliated with any other bank or organisation (including the METRO newspaper or its publishers) anywhere in the world. "Metrobank" is the registered trademark of Metro Bank PLC. more

Screenshots

EXCH Mobile4 screens
Metro Bank Authenticator3 screens

Verdict

The call

The clearest difference is review sentiment: EXCH Mobile at 88% against Metro Bank Authenticator's 0%. EXCH Mobile also leads on update cadence (monthly vs every 12 months). Metro Bank Authenticator's advantage is monetization model (free vs ad-supported) and iOS requirement (14.0 vs 18.4). 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

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

EXCH Mobile ships an update monthly, Metro Bank Authenticator every 12 months. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
EXCH Mobile versus Metro Bank Authenticator: the parameters behind the verdict, then further details
ParameterEXCH MobileMetro Bank Authenticator
PriceFreeFree
Rating4.9 (869 ratings) — better—
Positive reviews87.5% of reviews — better0.0% of reviews
Number of ratings869 — better—
Update frequencyMonthly — betterEvery 12 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.414.0 — better
Further details — not scored
Size198 MB12 MB
Age rating4+4+
DeveloperExchange Bank (GA)MetroBank

Customer experience

EXCH Mobile

All ratings867 ratings
Positive97.7%
Neutral1.2%
Negative1.2%
Written reviews8 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

Metro Bank Authenticator

Written reviews20 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

EXCH Mobile

No in-app purchases

None

Metro Bank Authenticator

No in-app purchases

Questions

Is EXCH Mobile free?
EXCH Mobile is free to download, with no in-app purchases.
Is Metro Bank Authenticator free?
Metro Bank Authenticator is free to download, with no in-app purchases.
Do EXCH Mobile or Metro Bank Authenticator have ads?
Neither EXCH Mobile nor Metro Bank Authenticator shows ads.
Which is updated more often, EXCH Mobile or Metro Bank Authenticator?
EXCH Mobile ships an update monthly, and Metro Bank Authenticator every 12 months. Most recently, EXCH Mobile was updated on October 24, 2026 and Metro Bank Authenticator on October 24, 2026.

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