Comparison

SBI Authenticator vs Unplex

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

Head to head
About

SBI Authenticator

This app provides a secure and convenient way to authenticate digital banking transactions, reducing reliance on SMS OTPs. It offers multiple authentication methods like prompt-based approvals and QR code scanning for enhanced security.

Highlights
  • Secure authentication
  • Reduces SMS OTP dependency
  • Prompt-based approvals
  • QR code scanning
  • App-based OTP
  • Supports SBI Yono Lite, RINB, MINB
Read full description

The SBI Authenticator is a secure, efficient and user-friendly authentication solution developed by the State Bank of India to enhance the safety and convenience of your digital banking experience. This app is designed to reduce dependency on traditional SMS-based One-Time Passwords (OTPs) and enables more secure and seamless authentication methods for both financial and non-financial transactions across SBI Yono Lite, Yono Net Banking and Merchant Internet Banking (MINB) platforms. As digital banking grows, so does the need for robust, real-time authentication. The SBI Authenticator empowers users with multiple authentication options, including prompt-based approvals, QR code scanning and authentication using app-based OTP, offering a modern, secure and reliable alternative to SMS OTPs. With this Authenticator app, users can set their preferred authentication modes for various SBI channels that they use.

About

Unplex

This platform facilitates secure and fast money transfers both domestically within the USA and internationally from the USA, UK, or Europe to India and the Philippines. Users can easily register, verify their identity, and link a bank account to send funds to themselves or others with direct bank deposits.

Highlights
  • Fast, secure transfers
  • No hidden fees
  • 24/7 availability
  • Easy onboarding
  • Direct bank deposits
  • Fraud monitoring
Features
Read full description

Unplex is a payment transfer platform that lets you send money locally within the USA and internationally from the USA, UK, or Europe to India and the Philippines. Just register, verify your identity, link your bank account, and you can start sending money to yourself or others. Key features of Unplex: •⁠ ⁠Fast, secure transfers with no hidden fees •⁠ ⁠24/7 availability, including weekends and holidays •⁠ ⁠Easy onboarding: register, verify your identity, and link your bank account in minutes •⁠ ⁠Send money to yourself or others, with direct bank deposits for recipients •⁠ ⁠Strong compliance and security, with all transactions encrypted and monitored for fraud Help Section: If you need assistance, Unplex offers a comprehensive Help section at https://unplex.money/help/. There, you’ll find answers to common questions about registration, KYC, transfer limits, transaction status, bank account management, and more. The Help section is designed to guide you step-by-step, and if you need further support, you can always reach out to us via https://unplex.money/support/

Screenshots

SBI Authenticator4 screens
Unplex4 screens

Verdict

The call

The clearest difference is review sentiment: Unplex at 77% against SBI Authenticator's 22%. Unplex also leads on rating (4.1 vs 1.2) and update cadence (every 5 days vs every 2 months). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Unplex holds the better App Store score, 4.1 against 1.2. Both are backed by a comparable volume of ratings — 24 and 18 respectively. Written reviews point the same way: 22% of SBI Authenticator's written reviews are positive against 77% of Unplex's.

UpkeepUpdate frequency

SBI Authenticator ships an update every 2 months, Unplex every 5 days. The most recent releases landed on October 8, 2026 and October 5, 2026 respectively.

Scorecard5 real differences · 5 level
SBI Authenticator versus Unplex: the parameters behind the verdict, then further details
ParameterSBI AuthenticatorUnplex
PriceFreeFree
Rating1.2 (24 ratings)4.1 (18 ratings) — better
Positive reviews21.7% of reviews76.9% of reviews — better
Number of ratings24 — better18
Update frequencyEvery 2 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size72 MB25 MB
Age rating4+4+
DeveloperState Bank of IndiaUnplex Fintech Corp.

Customer experience

SBI Authenticator

All ratings24 ratings
Positive4.2%
Neutral0.0%
Negative95.8%
Written reviews60 reviews
Positive21.7%
Neutral6.7%
Negative71.7%

Unplex

All ratings18 ratings
Positive77.8%
Neutral0.0%
Negative22.2%
Written reviews13 reviews
Positive76.9%
Neutral0.0%
Negative23.1%

In-app purchases

None

SBI Authenticator

No in-app purchases

None

Unplex

No in-app purchases

Questions

Is SBI Authenticator free?
SBI Authenticator is free to download, with no in-app purchases.
Is Unplex free?
Unplex is free to download, with no in-app purchases.
Which has better reviews, SBI Authenticator or Unplex?
Unplex is rated higher. SBI Authenticator averages 1.2 out of 5 from 24 ratings, while Unplex averages 4.1 from 18 ratings.
Do SBI Authenticator or Unplex have ads?
Neither SBI Authenticator nor Unplex shows ads.
Which is updated more often, SBI Authenticator or Unplex?
SBI Authenticator ships an update every 2 months, and Unplex every 5 days. Most recently, SBI Authenticator was updated on October 8, 2026 and Unplex on October 5, 2026.

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