Comparison

SBI Authenticator vs Trackova

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

Trackova

Features
Read full description

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

SBI Authenticator4 screens
Trackova4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
SBI Authenticator versus Trackova: the parameters behind the verdict, then further details
ParameterSBI AuthenticatorTrackova
PriceFreeFree
Rating1.2 (24 ratings) — better—
Positive reviews21.7% of reviews—
Number of ratings24 — better—
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.6 — better
Further details — not scored
Size72 MB4 MB
Age rating4+4+
DeveloperState Bank of IndiaXpWallet

In-app purchases

None

SBI Authenticator

No in-app purchases

None

Trackova

No in-app purchases

Questions

Is SBI Authenticator free?
SBI Authenticator is free to download, with no in-app purchases.
Is Trackova free?
Trackova is free to download, with no in-app purchases.
Do SBI Authenticator or Trackova have ads?
Neither SBI Authenticator nor Trackova shows ads.
Which is updated more often, SBI Authenticator or Trackova?
SBI Authenticator ships an update every 2 months, and Trackova every 3 weeks. Most recently, SBI Authenticator was updated on October 16, 2026 and Trackova on September 30, 2026.

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