# XP Authenticator vs Monte Bravo

The clearest difference is update cadence: Monte Bravo at every 5 days against XP Authenticator's every 2 months. XP Authenticator's advantage is monetization model (free vs ad-supported) and iOS requirement (13.0 vs 15.0). On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

XP Authenticator ships an update every 2 months, Monte Bravo every 5 days. The most recent releases landed on September 10, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | XP Authenticator | Monte Bravo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (3 ratings)](https://appshunter.io/ios/app/monte-bravo/id6465454854/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 days** |
| Monetization | **Free** | Ad-supported |
| Size | 114 MB | 240 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Xp Investimentos Corretora Cambio Titulos Valores Mobiliarios SA](https://appshunter.io/developer/1550188423) | [Monte Bravo](https://appshunter.io/developer/1528015615) |

## What reviewers say

### XP Authenticator

[App page](https://appshunter.io/ios/app/xp-authenticator/id1590188375)

This app generates two-factor authentication codes exclusively for employees and partners. It enhances security by providing verification codes for access. Learn more about security processes on the company's support channel.

**Highlights:** Generates two-factor verification codes, Exclusive access for employees and partners, Enhances security processes, Supports two-step verification

**In-app purchases:** none


### Monte Bravo

[App page](https://appshunter.io/ios/app/monte-bravo/id6465454854)

Manage your entire financial life with investments, a digital account, credit card, and life insurance all in one app. Access secure investment options, track your digital account, and manage payments easily.

**Highlights:** Investment account management, Fixed and variable income investments, International market investments, Digital account with payment features, Secure token generation, Credit card management

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is XP Authenticator free?

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

### Is Monte Bravo free?

Monte Bravo is free to download, with no in-app purchases.

### Do XP Authenticator or Monte Bravo have ads?

Neither XP Authenticator nor Monte Bravo shows ads.

### Which is updated more often, XP Authenticator or Monte Bravo?

XP Authenticator ships an update every 2 months, and Monte Bravo every 5 days. Most recently, XP Authenticator was updated on September 10, 2026 and Monte Bravo on September 11, 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.*