Ozone Authenticator vs Algbra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
Algbra
Manage your money ethically with a platform that prioritizes people and the planet. Open an account, save with competitive returns, and support causes you care about, all while tracking your environmental impact.
- Ethical savings with competitive returns
- Multi-currency accounts and transfers
- Borderless UK accounts
- Donate to charities directly
- Track and offset carbon footprint
- Contactless and virtual debit cards
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Algbra is the ethical finance platform designed to help you spend, save, and manage money in a way that puts people and the planet first. Open an account with ease, manage multiple currencies, grow your savings, and support causes that matter, all from within one app. Finance, made for humans. Your money should work for you without compromising your values. When we hold your money, we ensure that it’s protected from harmful industries such as arms, tobacco, fossil fuels, and gambling, helping to create a more responsible financial system. Ethical Saver Cubes Grow your savings while helping to support sustainable development globally. Create dedicated saving goals and earn competitive fixed returns in just a few taps. • Competitive returns • Choose fixed terms that suit you • Create multiple saving goals • FSCS protection up to £120,000 (T&Cs apply) • Sharia-compliant and Ethical One app. Multiple currencies Hold, send, receive, and convert money across currencies without juggling multiple apps. • Hold multiple currencies in one place • Send money to 20+ countries • Convert currencies with clear, competitive exchange rates Borderless accounts Open a UK account from wherever you call home. • Get an Algbra account with IBANs for GBP, USD, EUR and other supported currencies • Make international transfers • Enhanced fee-free allowances • Spend abroad with ease Algbra’s Borderless Account allows eligible customers to access UK financial services globally, making it easier to manage money internationally. T&Cs apply. Donate with a tap Support the causes that matter to you directly from the app. With Algbra Donations, you can make a difference in seconds. • Donate to trusted charities • Set up recurring or one-off donations 100% of your donation goes directly to the charity. Planet impact tracking Discover how your spending impacts the planet. Track your estimated carbon footprint and offset your impact to take meaningful steps towards a more sustainable world. Everything else you'd expect • Fast signup, no credit score impact • Contactless & virtual debit cards • Add to Apple Wallet • Instant top-ups via Open Banking • Spending analytics • Secure Biometric login (Face ID & fingerprint) Algbra FS UK Limited is authorised as an Electronic Money Institution by the UK Financial Conduct Authority (FCA) (FRN: 952360). Algbra FS UK Limited is registered in England and Wales (Company No. 12629086). Funds held in your Ethical Saver Cubes are protected by the FSCS up to £120,000. T&Cs apply. The Algbra card is issued pursuant to licence by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. IMPORTANT: This content is provided for informational purposes only and is not intended as marketing or solicitation in jurisdictions where we are not licensed or authorised to operate.
Screenshots
Verdict
Ozone Authenticator and Algbra 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.
Ozone Authenticator ships an update every 10 days, Algbra fortnightly. The most recent releases landed on September 29, 2026 and October 12, 2026 respectively.
| Parameter | Ozone Authenticator | Algbra |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (19 ratings) — better |
| Positive reviews | — | 55.0% of reviews |
| Number of ratings | — | 19 — better |
| Update frequency | Every 10 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 17 MB | 134 MB |
| Age rating | 4+ | 4+ |
| Developer | Ozone Financial Technology Limited | Algbra FS UK Limited |
Bugs and requests
Ozone Authenticator
Not enough reviews yet to summarise bugs or requests.
Algbra
Reported bugs
34 issues- App keeps telling to update even after update
- Account frozen and restricted
- Account blocked randomly
- App crashing non-stop
- Balance not showing
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- Cube not showing
- No transactions showing
- Account closed on Christmas Eve
- Account closed randomly
- Account closed with money in it
- Account closed without reason
- Account closed while abroad
- Money not returned within 28 days
- Passport picture flare causing rejection
- Card blocked randomly
- Account on hold
- Account blocked after wages paid in
- Account blocked after receiving payment
- Account blocked before Christmas
- Account blocked after sending payslip and bank statement
- Account closed without explanation
- Account on hold with no explanation
- Card declining
- Account closed without reason given
- Account closed with rent money in it
- Account closed without valid reason
- Account blocked each time making a transfer
- Account blocked after receiving wages
- Account blocked after sending documents
- Account blocked after sending proof
- Account blocked after sending ID/selfie
- Account blocked after sending nominated account
- Account blocked after sending bank transfers
- Account blocked after receiving a payment over £50
Requested features
10 requests- Ability to delete bank contacts
- Apple Pay
- Debit card top ups
- Subscription plan for cashback/credit score
- Interest on balances
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- Disposable cards
- Savings Pots
- Dark mode
- Apply Pay
- Option to update personal details
In-app purchases
Ozone Authenticator
No in-app purchases
Algbra
No in-app purchases









