Comparison

Metro Bank Authenticator vs Joola App

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

Head to head
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

About

Joola App

This app helps you save money for personal or group goals, like trips or debt payoff. It allows you to set targets, automate contributions, and track progress with friends or solo. The platform aims to make saving easy and stress-free.

Highlights
  • Set savings goals
  • Save solo or with friends
  • Automate contributions
  • Track progress
  • Unlock funds upon goal completion
  • Save for various life events
Features
Read full description

You keep saying you'll book the trip. The money just never seems to be there. Joola changes that. Set a savings goal, automate your contributions, and watch the money build without thinking about it. When the goal is hit, the trip is funded. You book it. You go. No credit card bill waiting when you land home. SAVE ON YOUR OWN Pick your destination and set your goal. Joola pulls your contribution on schedule: biweekly, or monthly. You decide the pace. The money stays locked until you hit your goal. When you do, it's yours. All of it. SAVE WITH YOUR CREW - Group trips fall apart because the money never gets sorted. - Invite your friends. - Everyone sets the same contribution schedule. Joola handles the rest automatically. No chasing payments, no one person fronting costs, no awkward follow-ups. Everyone shows up funded. That's the whole idea. GETTING STARTED IS EASY - Create your free account - Name your goal and set your target - Choose your contribution schedule - Joola saves automatically from there The trip has been in the group chat long enough. Start your goal at joola.app!

Screenshots

Metro Bank Authenticator3 screens
Joola App4 screens

Verdict

The call

The clearest difference is review sentiment: Joola App at 88% against Metro Bank Authenticator's 0%. Joola App also leads on update cadence (every 8 days vs every 12 months). On price, ads, in-app purchases and monetization model 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

Metro Bank Authenticator ships an update every 12 months, Joola App every 8 days. Both last shipped on November 3, 2026.

Scorecard2 real differences · 8 level
Metro Bank Authenticator versus Joola App: the parameters behind the verdict, then further details
ParameterMetro Bank AuthenticatorJoola App
PriceFreeFree
Rating—4.4 (25 ratings) — better
Positive reviews0.0% of reviews88.2% of reviews — better
Number of ratings—25 — better
Update frequencyEvery 12 monthsEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0 — better15.5
Further details — not scored
Size12 MB52 MB
Age rating4+4+
DeveloperMetroBankJOOLA LLC

Customer experience

Metro Bank Authenticator

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

Joola App

All ratings25 ratings
Positive84.0%
Neutral0.0%
Negative16.0%
Written reviews17 reviews
Positive88.2%
Neutral0.0%
Negative11.8%

In-app purchases

None

Metro Bank Authenticator

No in-app purchases

None

Joola App

No in-app purchases

Questions

Is Metro Bank Authenticator free?
Metro Bank Authenticator is free to download, with no in-app purchases.
Is Joola App free?
Joola App is free to download, with no in-app purchases.
Do Metro Bank Authenticator or Joola App have ads?
Neither Metro Bank Authenticator nor Joola App shows ads.
Which is updated more often, Metro Bank Authenticator or Joola App?
Metro Bank Authenticator ships an update every 12 months, and Joola App every 8 days. Most recently, Metro Bank Authenticator was updated on November 3, 2026 and Joola App on November 3, 2026.

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