Cara Credit Union vs AIB Authenticator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cara Credit Union
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Secure Log in - Biometric login provides a quick and secure method for you to log in. Balances at a glance and online payments - View all of your balances - Make transfers to other accounts - Set up direct debits or standing orders - Make online payments - Manage and add new Payees Apply for a loan and be approved from wherever you are - The online loan calculator allows you to check how much interest you would pay back on your loan. - With the online loan application, you can uploads your supporting documents and see your application status from your account. - E-signatures technology allows you to e-sign documents for your loan so you can get approved (and paid) faster! Manage your profile - Easily update your personal details and change your password and PIN without having to contact your Credit Union
AIB Authenticator
Enhance your account security with two-factor authentication. This app provides an extra layer of protection for logging in and authorizing important transactions. Easily manage your digital profile and authenticate online purchases for added peace of mind.
- Two-factor authentication (2FA)
- Approve or deny push notifications
- Manage Digital Profile
- Set up or reset digital password
- Authenticate online purchases
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The AIB Authenticator App enables 2FA (second factor authentication) for your AIB account. The App provides an additional layer of security which will allow you to log in or authenticate critical transactions on your account. Once you are set up you simply have to enter your password, and then approve or deny the push notification sent to your phone. Enrolment is easy. Once you download the app follow the steps to register your device. As part of enrolment you may be asked to create a Digital Profile. Your Digital Profile is a representation of identity information and security credentials which will allow us to uniquely identify you so you enjoy our services more securely. Services Available • Manage your Digital Profile • Set up or reset your Digital password • Business cardholders can authenticate online purchases for Debit or Credit card transactions.
Screenshots
Verdict
The clearest difference is update cadence: AIB Authenticator at every 3 months against Cara Credit Union's every 19 months. Cara Credit Union's advantage is device support (3 vs 1) and iOS requirement (12.0 vs 16.6). On price, 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.
Cara Credit Union ships an update every 19 months, AIB Authenticator every 3 months. The most recent releases landed on September 24, 2026 and October 6, 2026 respectively.
| Parameter | Cara Credit Union | AIB Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | — | 1.0 (2 ratings) — better |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | — | 2 — better |
| Update frequency | Every 19 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 12.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 17 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | Cara Credit Union Limited | Allied Irish Banks, p.l.c. |
In-app purchases
Cara Credit Union
No in-app purchases
AIB Authenticator
No in-app purchases
Questions
Is Cara Credit Union free?
Is AIB Authenticator free?
Do Cara Credit Union or AIB Authenticator have ads?
Which is updated more often, Cara Credit Union or AIB Authenticator?
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