Comparison

Metro Bank Authenticator vs Beans 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

Beans App

Manage, send, and receive money globally with a secure, non-custodial wallet. Instantly move funds, exchange currencies, and earn variable returns on your value. Access cash worldwide through MoneyGram locations.

Highlights
  • Global money management
  • Instant international transfers
  • Multi-currency wallet
  • Earn variable returns
  • Cash access via MoneyGram
  • Secure non-custodial wallet
Features
Read full description

With Beans you can manage, send and receive money globally in one secure, non custodial wallet. Move funds instantly, exchange between currencies and access variable returns on your value with clear insight and control. The Beans App helps you be smart with your money. Beans Earn (new): Earn variable returns on your value across supported currencies. Returns change over time and your funds can be withdrawn whenever you choose. There are no lock in periods and your money always stays under your control. Instant global transfers: Send and receive money worldwide without hidden fees or delays. Transfers within the Beans network are instant and free. Multi currency wallet: Hold and exchange more than 80 currencies at competitive rates. Manage everything easily in one simple and reliable app. Cash access with MoneyGram: Deposit or withdraw cash through more than 350.000 MoneyGram locations worldwide. This makes it easy for anyone to move between digital and physical money when needed. Security and control: Beans is a non custodial wallet. Only you have access to your funds with secure private key technology on your device. Encryption and two factor authentication help protect your account at all times. Who uses Beans • People looking for a simple, transparent and secure finance app • Families sending money across borders • Freelancers receiving international payments • Travellers managing different currencies • Users who want their value to work for them while keeping control Why choose Beans • Instant and free wallet to wallet transfers • Variable returns across supported currencies • Multi currency support • Cash access through MoneyGram • Secure non custodial wallet • Simple, transparent and easy to use Download Beans App today and experience an easier way to send, earn and manage your money globally. Returns vary over time. Capital at risk.

Screenshots

Metro Bank Authenticator3 screens
Beans App4 screens

Verdict

The call

The clearest difference is review sentiment: Beans App at 60% against Metro Bank Authenticator's 0%. Beans App also leads on update cadence (fortnightly vs every 12 months). Metro Bank Authenticator's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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, Beans App fortnightly. Both last shipped on September 17, 2026.

Scorecard3 real differences · 7 level
Metro Bank Authenticator versus Beans App: the parameters behind the verdict, then further details
ParameterMetro Bank AuthenticatorBeans App
PriceFreeFree
Rating—3.7 (27 ratings) — better
Positive reviews0.0% of reviews60.0% of reviews — better
Number of ratings—27 — better
Update frequencyEvery 12 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0 — better15.5
Further details — not scored
Size12 MB66 MB
Age rating4+4+
DeveloperMetroBankBeans bv

Customer experience

Metro Bank Authenticator

Written reviews19 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Beans App

All ratings27 ratings
Positive66.7%
Neutral3.7%
Negative29.6%
Written reviews25 reviews
Positive60.0%
Neutral4.0%
Negative36.0%

In-app purchases

None

Metro Bank Authenticator

No in-app purchases

None

Beans App

No in-app purchases

Questions

Is Metro Bank Authenticator free?
Metro Bank Authenticator is free to download, with no in-app purchases.
Is Beans App free?
Beans App is free to download, with no in-app purchases.
Do Metro Bank Authenticator or Beans App have ads?
Neither Metro Bank Authenticator nor Beans App shows ads.
Which is updated more often, Metro Bank Authenticator or Beans App?
Metro Bank Authenticator ships an update every 12 months, and Beans App fortnightly. Most recently, Metro Bank Authenticator was updated on September 17, 2026 and Beans App on September 17, 2026.

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