SBI Authenticator vs Trackova
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Secure authentication
- Reduces SMS OTP dependency
- Prompt-based approvals
- QR code scanning
- App-based OTP
- Supports SBI Yono Lite, RINB, MINB
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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.
Trackova
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Trackova helps you take full control of your personal finances - simply and smartly. Whether you're tracking daily expenses or managing monthly income, Trackova makes it effortless. KEY FEATURES: Track Income & Expenses Add transactions in seconds with amount, category, payment method, and description. Smart Dashboard See your total income and expenses at a glance - always know where your money stands. Categories & Filters Filter transactions by date, type, or category. Find any transaction instantly. Multiple Payment Methods Support for Cash, UPI, Bank Account, and more. Attachments Attach receipts or files to any transaction for complete records. Breakdown View Get a visual breakdown of your spending patterns. Simple. Clean. Powerful. Download Trackova today and start managing your finances the smart way!
Screenshots
Verdict
The clearest difference is update cadence: Trackova at every 3 weeks against SBI Authenticator's every 2 months. Trackova also leads on device support (3 vs 1) and iOS requirement (15.6 vs 17.0). On price, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SBI Authenticator ships an update every 2 months, Trackova every 3 weeks. The most recent releases landed on October 16, 2026 and September 30, 2026 respectively.
| Parameter | SBI Authenticator | Trackova |
|---|---|---|
| Price | Free | Free |
| Rating | 1.2 (24 ratings) — better | — |
| Positive reviews | 21.7% of reviews | — |
| Number of ratings | 24 — better | — |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 72 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | State Bank of India | XpWallet |
In-app purchases
SBI Authenticator
No in-app purchases
Trackova
No in-app purchases
Questions
Is SBI Authenticator free?
Is Trackova free?
Do SBI Authenticator or Trackova have ads?
Which is updated more often, SBI Authenticator or Trackova?
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