Comparison

Metro Bank Authenticator vs Optima mobile

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

Optima mobile

Manage your personal and business finances with enhanced security and personalized insights. Transfer funds, pay bills, and track expenses easily. Customize your dashboard for quick access to important information.

Highlights
  • Biometric and PIN security
  • Customizable dashboard
  • Quick fund transfers
  • Bill payments
  • Expense tracking by category
  • Business account management
Features
Read full description

Ανακαλύψτε τα πλεονεκτήματα του Optima mobile app: Ασφάλεια: Αποκτήστε ακόμα μεγαλύτερη ασφάλεια στις συναλλαγές σας με χρήση βιομετρικών στοιχείων (σάρωση δακτυλικού αποτυπώματος ή face id) ή χρήση 4ψήφιου PIN για ευκολότερη πρόσβαση. Πληροφόρηση με μια ματιά: Διαμορφώστε την αρχική σελίδα της εφαρμογής όπως επιθυμείτε. Επιλέξτε πώς θέλετε να εμφανίζονται τα προϊόντα/ενέργειες που σας ενδιαφέρουν και παρακολουθήστε τους λογαριασμούς και τις κινήσεις σας γρήγορα και εύκολα σε μια σελίδα. Δείτε από το ιστορικό αναλυτικά τις συναλλαγές που έχετε πραγματοποιήσει μέσω online banking. Γρήγορες συναλλαγές: Μεταφέρετε τα χρήματά σας εντός και εκτός της τράπεζας, σε Ελλάδα και εξωτερικό, με λίγα μόνο clicks. Αποκτήστε πρόσβαση σε όλους τους οργανισμούς / φορείς λογαριασμών πληρωμών για να εξοφλήσετε άμεσα τις υποχρεώσεις σας. Αποθηκεύστε τις μεταφορές και πληρωμές που πραγματοποιείτε πιο συχνά. Οικονομική διαχείριση: Παρακολουθήστε τα έξοδά σας ανά κατηγορία και μήνα. Δείτε τις ετήσιες και απαιτούμενες δαπάνες για να χτίσετε το αφορολόγητό σας. Με τη νέα έκδοση του app, επιλέγοντας ‘’Είσοδος εταιρικού χρήστη’’ μπορείτε πλέον να διαχειρίζεστε εύκολα και με ασφάλεια και τα οικονομικά της επιχείρησής σας. Ένα app, για κάθε σας ανάγκη!

Screenshots

Metro Bank Authenticator3 screens
Optima mobile4 screens

Verdict

The call

The clearest difference is review sentiment: Optima mobile at 54% against Metro Bank Authenticator's 0%. Optima mobile also leads on update cadence (every 4 weeks vs every 12 months). Metro Bank Authenticator's advantage is device support (3 vs 1) and iOS requirement (14.0 vs 16.0). 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, Optima mobile every 4 weeks. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
Metro Bank Authenticator versus Optima mobile: the parameters behind the verdict, then further details
ParameterMetro Bank AuthenticatorOptima mobile
PriceFreeFree
Rating—4.9 (99 ratings) — better
Positive reviews0.0% of reviews54.2% of reviews — better
Number of ratings—99 — better
Update frequencyEvery 12 monthsEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.0 — better16.0
Further details — not scored
Size12 MB108 MB
Age rating4+4+
DeveloperMetroBankOptima bank

Customer experience

Metro Bank Authenticator

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

Optima mobile

All ratings97 ratings
Positive97.9%
Neutral0.0%
Negative2.1%
Written reviews48 reviews
Positive54.2%
Neutral10.4%
Negative35.4%

In-app purchases

None

Metro Bank Authenticator

No in-app purchases

None

Optima mobile

No in-app purchases

Questions

Is Metro Bank Authenticator free?
Metro Bank Authenticator is free to download, with no in-app purchases.
Is Optima mobile free?
Optima mobile is free to download, with no in-app purchases.
Do Metro Bank Authenticator or Optima mobile have ads?
Neither Metro Bank Authenticator nor Optima mobile shows ads.
Which is updated more often, Metro Bank Authenticator or Optima mobile?
Metro Bank Authenticator ships an update every 12 months, and Optima mobile every 4 weeks. Most recently, Metro Bank Authenticator was updated on November 3, 2026 and Optima mobile on November 3, 2026.

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