Coutts vs Ozone Authenticator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Coutts
Manage your finances securely and conveniently with this app. Access all your transactions, monitor investments, and approve payments with advanced security features like fingerprint and facial recognition.
- Secure login (fingerprint, face recognition, passcode)
- Transaction notifications and approvals
- View all transactions
- Monitor investment performance
- Transfer money between accounts
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Everything you need to manage your finances – at your fingertips with our fast and secure app. Available to clients with compatible iOS devices and a UK or international mobile number. Safe and secure Protecting your finances is our priority: the Coutts app is very secure to use. You can log in using your fingerprints, face recognition or a passcode. And to make sure you're paying the right person or business, the app will send you notifications to approve or decline transactions. Everything at hand All your transactions are always at hand via the app, whether you’re moving money across accounts or paying others. You can also see how your investments are performing at any time through the app (The value of your investments can do down as well as up and you may not get back the full amount you invest). Important things to know Fingerprint and facial recognition are available on selected devices. Enabling push notifications is strongly recommended – they will be necessary for responding to payment notifications. By downloading this application, you accept the T&Cs on https://www.coutts.com/important-information-and-fscs.html. We recommend that you save a copy of the T&Cs and our Privacy policy for your records.
Ozone Authenticator
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The Ozone Authenticator is a mobile application that allows you to connect any authorised third-party application to your online bank account. This gives you access to a wide range of value added account information and payment initiation services. It uses Strong Customer Authentication (including one time passwords and/or your biometrics) to ensure any third-party app’s connection is secure and can only be authorised by you. The Ozone Authenticator enables you to: - Connect your bank accounts in a simple and secure way - Manage third-party access to your bank account information, with an option to revoke access if needed - Get information about any payment (amount, payee details, fees, etc.) before you authorising it
Screenshots
Verdict
Coutts and Ozone Authenticator are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
Coutts ships an update every 3 weeks, Ozone Authenticator every 10 days. The most recent releases landed on October 5, 2026 and September 29, 2026 respectively.
| Parameter | Coutts | Ozone Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (39 ratings) — better | — |
| Positive reviews | 28.1% of reviews | — |
| Number of ratings | 39 — better | — |
| Update frequency | Every 3 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 437 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | COUTTS & COMPANY | Ozone Financial Technology Limited |
Bugs and requests
Coutts
Reported bugs
16 issues- App crashes on iOS 16, iOS 17, iOS 18 updates
- Face ID stops working after updates
- Login fails with 'unexpected error' messages
- Push notifications for payment approvals not received
- App freezes when approval request received
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- Screen flashes bright white on login
- App logs out randomly during use
- Desktop authorization approval redirects to mobile version
- Payment approval notifications cause app to switch users
- Search functionality returns incorrect results
- Amount field blanks when entering decimals
- Payee nicknames display instead of actual names
- Missing account details and transaction information
- App won't work on iPad (phone-only formatting)
- General violation errors after updates
- Missing sign-in and authorization requests
Requested features
14 requests- Dynamic search for payees (auto-filter as typing)
- Payment receipt with bank name for confirmation
- Ability to download payment advices
- Payment reference visibility in transaction history
- Screenshot functionality for payments
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- iPad native application support
- Wealth overview on home page
- Payee grouping by folder instead of alphabetical
- Integrated investment account access
- Self-select ISA functionality in app
- Payment overview/history page
- Open banking integration
- Customizable account visibility
- Real-time transaction notifications
Ozone Authenticator
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Coutts
No in-app purchases
Ozone Authenticator
No in-app purchases
Questions
Is Coutts free?
Is Ozone Authenticator free?
Do Coutts or Ozone Authenticator have ads?
Which is updated more often, Coutts or Ozone Authenticator?
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