# NBG Authenticator vs Sephiance

The clearest difference is in-app purchases: NBG Authenticator at none against Sephiance's 2. NBG Authenticator also leads on iOS requirement (15.1 vs 26.4). Sephiance's advantage is update cadence (every 4 days vs every 2 weeks). On price, ads and device support there is nothing between them.

Both are free to download. Sephiance sells 2 in-app purchases, starting at $0.99 per month. NBG Authenticator asks for nothing beyond the download.

NBG Authenticator ships an update every 2 weeks, Sephiance every 4 days. The most recent releases landed on October 20, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | NBG Authenticator | Sephiance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.2 (12 ratings)](https://appshunter.io/ios/app/nbg-authenticator/id1532016029/reviews)** | — |
| Number of ratings | **12** | — |
| Positive reviews | 1.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Free | — |
| Size | 38 MB | 6 MB |
| Requires iOS | **15.1** | 26.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [National Bank Of Greece S.A.](https://appshunter.io/developer/342152892) | [IOANNIS TZALAS](https://appshunter.io/developer/1896774179) |

## What reviewers say

### NBG Authenticator

[App page](https://appshunter.io/ios/app/nbg-authenticator/id1532016029)

Securely approve your online purchases with your cards. This app provides enhanced payment authentication, aligning with the latest EU security regulations for a safer online shopping experience.

**Highlights:** Approve online purchases, Enhanced payment authentication, PIN and fingerprint sign-in, Register NBG cards, Push notifications for approval

**Features:** macOS Compatibility

**In-app purchases:** none


### Sephiance

[App page](https://appshunter.io/ios/app/sephiance-financial-tools/id6771245791)

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Sephiance Premium Monthly | $0.99 | per month |
| Sephiance lifetime | $8.99 | one-time |


## Frequently asked questions

### Is NBG Authenticator free?

NBG Authenticator is free to download, with no in-app purchases.

### Is Sephiance free?

Sephiance is free to download, with in-app purchases available.

### Do NBG Authenticator or Sephiance have ads?

Neither NBG Authenticator nor Sephiance shows ads.

### Which is updated more often, NBG Authenticator or Sephiance?

NBG Authenticator ships an update every 2 weeks, and Sephiance every 4 days. Most recently, NBG Authenticator was updated on October 20, 2026 and Sephiance on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*