St Raphael's CU Mobile Banking vs EBS CardManager
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
St Raphael's CU Mobile Banking
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With the St Raphael's Mobile Banking app you can: Apply for loans Transfer funds Setup and edit payees Upload documents Edit your profile Set up standing orders View direct debits Share you IBAN ...and much more. To use the app you must be a member and registered for online banking with St Raphael's Credit Union St Raphael's Garda Credit Union Limited is regulated by the Central Bank of Ireland.
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.
- Secure online purchase authentication
- Strong Customer Authentication (SCA)
- Debit card transaction security
- Fraud prevention
- Mobile phone authentication
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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
Verdict
The clearest difference is iOS requirement: St Raphael's CU Mobile Banking at 11.0 against EBS CardManager's 15.0. On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
St Raphael's CU Mobile Banking ships an update every 13 months, EBS CardManager every 7 months. The most recent releases landed on October 2, 2026 and October 16, 2026 respectively.
| Parameter | St Raphael's CU Mobile Banking | EBS CardManager |
|---|---|---|
| Price | Free | Free |
| Rating | — | 1.0 (3 ratings) — better |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | — | 3 — better |
| Update frequency | Every 13 months | Every 7 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 74 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | St Raphaels Garda Credit Union | EBS designated activity company |
In-app purchases
St Raphael's CU Mobile Banking
No in-app purchases
EBS CardManager
No in-app purchases
Questions
Is St Raphael's CU Mobile Banking free?
Is EBS CardManager free?
Do St Raphael's CU Mobile Banking or EBS CardManager have ads?
Which is updated more often, St Raphael's CU Mobile Banking or EBS CardManager?
Other comparisons
