# Memo Bank Authenticator vs Xpollens Authenticator

The clearest difference is review sentiment: Xpollens Authenticator at 40% against Memo Bank Authenticator's 0%. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Memo Bank Authenticator ships an update every 3 months, Xpollens Authenticator every 2 months. The most recent releases landed on June 19, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Memo Bank Authenticator | Xpollens Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | **40.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 22 MB | 55 MB |
| Requires iOS | **14.0** | 15 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Memo Bank SA](https://appshunter.io/developer/1478649080) | [Xpollens](https://appshunter.io/developer/1785655781) |

## What reviewers say

### Memo Bank Authenticator

[App page](https://appshunter.io/ios/app/memo-bank-authenticator/id1500599670)

This app securely verifies your identity and approves sensitive financial transactions for your account. It's required for accessing your online banking and authorizing actions like logins, password changes, and transfers.

**Highlights:** Account verification, Transaction authorization, Login approval, Password change approval, Wire transfer approval, Beneficiary addition approval, Touch ID/Face ID security

**Features:** Apple Wallet

**In-app purchases:** none


### Xpollens Authenticator

[App page](https://appshunter.io/ios/app/xpollens-authenticator/id1564443029)

Secure your online payments and sensitive banking operations with this mobile app. It sends notifications for each sensitive transaction, prompting you to verify details and authenticate using your preferred method.

**Highlights:** Secure online payments, Sensitive banking operation security, Transaction verification notifications, Strong authentication options, QR code integration

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Memo Bank Authenticator free?

Memo Bank Authenticator is free to download, with no in-app purchases.

### Is Xpollens Authenticator free?

Xpollens Authenticator is free to download, with no in-app purchases.

### Do Memo Bank Authenticator or Xpollens Authenticator have ads?

Neither Memo Bank Authenticator nor Xpollens Authenticator shows ads.

### Which is updated more often, Memo Bank Authenticator or Xpollens Authenticator?

Memo Bank Authenticator ships an update every 3 months, and Xpollens Authenticator every 2 months. Most recently, Memo Bank Authenticator was updated on June 19, 2026 and Xpollens Authenticator on September 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*