Comparison

Coutts vs Ozone Authenticator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Secure login (fingerprint, face recognition, passcode)
  • Transaction notifications and approvals
  • View all transactions
  • Monitor investment performance
  • Transfer money between accounts
Features
Read full description

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.

About

Ozone Authenticator

Features
Read full description

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

Coutts4 screens
Ozone Authenticator3 screens

Verdict

The call

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

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

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.

ScorecardNo meaningful differences
Coutts versus Ozone Authenticator: the parameters behind the verdict, then further details
ParameterCouttsOzone Authenticator
PriceFreeFree
Rating4.2 (39 ratings) — better—
Positive reviews28.1% of reviews—
Number of ratings39 — better—
Update frequencyEvery 3 weeksEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size437 MB17 MB
Age rating4+4+
DeveloperCOUTTS & COMPANYOzone 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
Show 11 more
  • 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
Show 9 more
  • 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

None

Coutts

No in-app purchases

None

Ozone Authenticator

No in-app purchases

Questions

Is Coutts free?
Coutts is free to download, with no in-app purchases.
Is Ozone Authenticator free?
Ozone Authenticator is free to download, with no in-app purchases.
Do Coutts or Ozone Authenticator have ads?
Neither Coutts nor Ozone Authenticator shows ads.
Which is updated more often, Coutts or Ozone Authenticator?
Coutts ships an update every 3 weeks, and Ozone Authenticator every 10 days. Most recently, Coutts was updated on October 5, 2026 and Ozone Authenticator on September 29, 2026.

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