Coutts Mobile vs Bottomline PTX Auth
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Coutts Mobile
Manage your accounts online with this app. Make payments, transfer funds, view investments, and send secure messages. It provides flexibility to access your financial information anytime, anywhere.
- View and manage accounts online
- Make Faster, CHAPS, and International payments
- Transfer money between accounts
- View investment portfolio status
- Send and receive secure messages
- Manage standing orders and direct debits
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Coutts Mobile offers you the flexibility to view and manage your accounts online. To register, visit www.coutts.com/online or contact the Coutts Digital Helpdesk on +44 (0)20 7770 0000. Download the Coutts Mobile app and follow the simple registration process on Coutts Online to get started. Access your accounts anytime, anywhere: - Make Faster, CHAPS and International payments to existing payees - Transfer money between accounts - View the status of payments - View details of your investment portfolios - Send and receive messages securely - Manage standing orders and direct debits To find out more about Coutts and the services we offer visit www.coutts.com When using the app, standard data charges may apply. Contact your network operator for details.
Bottomline PTX Auth
This app provides an extra layer of security for business payment processing. It generates one-time codes for logging in and authorizing transactions, enhancing the safety of your financial operations.
- Multi-Factor Authentication
- One-time code generation
- Offline code availability
- Support for multiple accounts
- Enhanced payment security
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Bottomline PTX helps businesses pay and get paid with features available either individually or combined that include Bacs, International Payments and Faster Payments processing, Direct Debit and card collections, as well as invoice and billing management. This app features: Multi-Factor Authentication is an additional layer of security, which provides a one-time code when logging into and making payments in Bottomline PTX, alongside your username and password. Once configured, verification codes are available without an internet connection. Support for multiple accounts. To use the Bottomline PTX Auth, when logging into and making payments in Bottomline PTX, you’ll need to enable this feature in your Bottomline PTX online account.
Screenshots
Verdict
The clearest difference is review sentiment: Coutts Mobile at 27% against Bottomline PTX Auth's 0%. Coutts Mobile also leads on update cadence (every 2 months vs every 12 months). Bottomline PTX Auth's advantage is iOS requirement (15.6 vs 17.0). On price, ads, in-app purchases and monetization model 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.
Coutts Mobile ships an update every 2 months, Bottomline PTX Auth every 12 months. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.
| Parameter | Coutts Mobile | Bottomline PTX Auth |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (8 ratings) — better | — |
| Positive reviews | 27.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 8 — better | — |
| Update frequency | Every 2 months — better | Every 12 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 44 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | COUTTS & COMPANY | Bottomline Technologies |
Customer experience
Coutts Mobile
Bottomline PTX Auth
Bugs and requests
Coutts Mobile
Reported bugs
27 issues- App doesn't open until deleted and reinstalled
- App constantly crashes
- Blurred screen
- Crashing every time it's opened
- Account transaction search function only works occasionally
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- App starts to open, hangs with a white screen, closes
- Repeatedly get a white screen when opening the app
- Payments process via the app is incredibly convoluted
- App leaves you hanging without a connection
- Regularly freezes
- Freezes after logout & reload of app
- Multi-factor authentication is a nightmare
- App is very unreliable
- Service is 'unavailable' as is so often the case
- App doesn't open
- Error message '!app-settings alert'
- Blank, white screen
- Getting blank white screen when accessing app
- White screen when opening
- Loading on iPhone is intermittent
- Get stuck on a product in rewards section
- Web-based PC site sends user back to mobile for CouttsID
- CouttsID not working
- One-time passcode message didn't appear
- App disabled after payment attempt
- Login screen freezes
- Gets stuck in Touch ID screen and won't let user in
Requested features
19 requests- Allow changing back to reader without losing access
- Update the app to be nicer
- Use a rebranded version of Nat West app
- Allow PC-free payments
- Update app for modern standards
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- Improve transaction search functionality
- Reduce maintenance downtime
- Implement Face ID and larger screen support
- Add Apple Pay
- Allow paying new people without PC login
- Improve transaction viewing and scrolling
- Bring back old version of the app
- Allow viewing more than 20 transactions
- Enable landscape mode for statements
- Add Touch ID login
- Fix payment glitches for multiple accounts
- Make app compatible with iPhone X/XS screen size
- Add Face ID and full screen imagery
- Ensure app is compatible with iOS 9
Bottomline PTX Auth
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Coutts Mobile
No in-app purchases
Bottomline PTX Auth
No in-app purchases
Questions
Is Coutts Mobile free?
Is Bottomline PTX Auth free?
Do Coutts Mobile or Bottomline PTX Auth have ads?
Which is updated more often, Coutts Mobile or Bottomline PTX Auth?
Other comparisons
