Comparison

Business24 Authenticator vs EBS CardManager

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

Head to head
About

Business24 Authenticator

Features
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The Business24 Authenticator app provides a secure method of authentication for Business24 banking in order to further protect you against fraud and keep you safe online. The Business24 Authenticator app allows you to complete authentication by sending a push notification to your registered device (Smartphone or Tablet) for certain online processes. If you’re a permanent tsb customer who’s registered for Business24 Online Banking you can download the app and register your device which will link your permanent tsb customer profile to your device which will then be used to provide authentication where necessary. It’s important to note that our Business24 Authenticator app is for authentication purposes only, as an additional security enhancement. It cannot be used for other day to day banking purposes such as viewing your balance or to make payments. Accessing the app: • To log in to the Business24 Authenticator app you’ll need to be a permanent tsb customer who is registered for Business24 Online Banking. To register for Business24 Online Banking call us now on 1890 500 177 or +353 1 215 1363. • Once logged in you will be prompted to register your device which will link your permanent tsb customer profile to your device. • To complete registration you’ll need to enter a security code which you’ll receive via SMS to your registered mobile phone number. The following country codes are excluded from this service +53 Cuba, +98 Iran, +964 Iraq, +95 Myanmar, +963 Syria, +249 Sudan, +850 North Korea. If you are not receiving your code, or to register or change your mobile number, call us now on 0818 50 24 24 or +353 1 212 4101. Terms and conditions apply. Find out more at permanenttsb.ie/mobile Permanent TSB plc trading as PTSB and PTSB Asset Finance is regulated by the Central Bank of Ireland. Permanent TSB plc is a public limited company incorporated in Ireland. Registered number: 222332. Registered Office: 56-59 St. Stephen’s Green, Dublin 2, D02 H489, Ireland. Permanent TSB plc is tied to Irish Life Assurance plc for life and pensions products. Irish Life Assurance plc is regulated by the Central Bank of Ireland.

About

EBS CardManager

Enhance your online shopping security with this app, which provides an extra layer of authentication for your debit card purchases. It implements Strong Customer Authentication to protect against fraud and ensure secure transactions.

Highlights
  • Secure online purchase authentication
  • Strong Customer Authentication (SCA)
  • Debit card transaction security
  • Fraud prevention
  • Mobile phone authentication
Features
Read full description

Shopping online is changing. The EBS CardManager app will give you added security when shopping online. The app allows you to securely authenticate your purchases when using your EBS debit card to shop online. From February 2021 onwards, when you shop online with your EBS debit card we will apply an extra layer of security and you will need to authenticate the transaction using the EBS CardManager app. This extra security layer is where we apply what is known as Strong Customer Authentication (SCA). This helps fight fraudsters and further protect online transactions. Here is what you need to do: 1. Download this EBS CardManager app. 2. Open the EBS CardManager app. You will be prompted on screen to enter your date of birth and your mobile number. 3. We will then ask you to authenticate your mobile phone by ringing our customer care number displayed on screen and providing a code word sent to your phone. A member of our customer care team will ask you to read this code word out, and this will authenticate your phone. This will link your phone and the app to your EBS debit card. Once you have set this up your SCA, you won’t have to do it again and you can continue to shop online securely using the app to authenticate your purchases.

Screenshots

Business24 Authenticator4 screens
EBS CardManager4 screens

Verdict

The call

Business24 Authenticator and EBS CardManager 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

Business24 Authenticator ships an update every 8 months, EBS CardManager every 7 months. The most recent releases landed on September 9, 2026 and September 13, 2026 respectively.

ScorecardNo meaningful differences
Business24 Authenticator versus EBS CardManager: the parameters behind the verdict, then further details
ParameterBusiness24 AuthenticatorEBS CardManager
PriceFreeFree
Rating—1.0 (3 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings—3 — better
Update frequencyEvery 8 monthsEvery 7 months — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size124 MB49 MB
Age rating4+4+
Developerpermanent tsbEBS designated activity company

In-app purchases

None

Business24 Authenticator

No in-app purchases

None

EBS CardManager

No in-app purchases

Questions

Is Business24 Authenticator free?
Business24 Authenticator is free to download, with no in-app purchases.
Is EBS CardManager free?
EBS CardManager is free to download, with no in-app purchases.
Do Business24 Authenticator or EBS CardManager have ads?
Neither Business24 Authenticator nor EBS CardManager shows ads.
Which is updated more often, Business24 Authenticator or EBS CardManager?
Business24 Authenticator ships an update every 8 months, and EBS CardManager every 7 months. Most recently, Business24 Authenticator was updated on September 9, 2026 and EBS CardManager on September 13, 2026.

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