Comparison

CentralMOBILE vs Metro Bank Authenticator

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

Head to head
About

CentralMOBILE

Manage your bank accounts on the go with this mobile banking app. Deposit checks, pay bills, transfer funds, and find nearby branches or ATMs. Access Zelle for fast, secure money transfers to friends and family.

Highlights
  • Mobile check deposit
  • View account balances and transactions
  • Transfer funds between accounts
  • Pay bills and manage payments
  • Send money with Zelle
  • Find bank branches and ATMs
Features
Read full description

Securely bank wherever and whenever you want with CentralMOBILE from Central Bank. Available for free to all Central Bank CentralNET customers, CentralMOBILE allows you to deposit checks, pay bills, view account activity, find locations and more. REGISTER - To use CentralMOBILE, you must first be enrolled in CentralNET online banking. To use the CentralMOBILE APP, simply download the APP, to use the browser you will need to register your device in CentralNET to receive the browser address and an activation code. FEATURES: MOBILE CHECK DEPOSIT - Snap photos of checks and deposit them right from your smartphone. Just sign the back snap, and send. CHECK BALANCES – See your latest checking and savings account balances and recent transactions. TRANSFER FUNDS - Easily transfer cash between your eligible Central Bank accounts. PAY BILLS - Make one-time payments from anywhere and change or cancel pending payments you have entered through CentralMOBILE or CentralNET online banking. ACCESS TO ZELLE® – Provides a fast, safe and easy way to send money to those you know and trust.* Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply. *Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle FIND LOCATIONS - Find nearby Central Bank branches and ATMs using the iPhone's built-in GPS. Additionally, you can search by Zip code or address. www.centralbank.com Central Bank & Trust Co. is a wholly owned subsidiary of Central Bancshares, Lexington, Kentucky.

About

Metro Bank Authenticator

This app provides a secure and convenient way for Metro Bank Business customers to authenticate online banking actions. It replaces the need for a physical security device, allowing for quick verification of logins, payments, and account changes directly from your mobile.

Highlights
  • Authenticate online banking actions
  • Secure login verification
  • Approve new payment setups
  • Confirm account changes
  • Replaces physical security devices
  • Convenient mobile authentication
Features
Read full description

We believe that people come first, and that everyone deserves a great experience every step of the way – whether it’s on our app, online or face to face. We’re here to make your life (and your banking) easier, which is why we’ve created our Authenticator app for our Metro Bank Business customers. Need some help? Our Local Business Managers and Relationship Managers are on hand to support you and your business. Features: You can use this app to authenticate certain actions on your Metro Bank Business online banking, like logging in, setting up new payments, or making changes to your account. It only takes a few taps – and there’s no need to worry about finding your physical security device. Metro Bank’s Authenticator app is available for customers registered for Commercial Online Banking and Business Online Plus. Standard data charges from your mobile service provider may apply. Help and support: If you experience any issues downloading or registering the Metro Bank Authenticator app, please visit us in store or call us on 0345 08 08 500. Metro Bank PLC. Registered in England and Wales. Company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Metro Bank PLC is an independent UK Bank - it is not affiliated with any other bank or organisation (including the METRO newspaper or its publishers) anywhere in the world. "Metrobank" is the registered trademark of Metro Bank PLC. more

Screenshots

CentralMOBILE4 screens
Metro Bank Authenticator3 screens

Verdict

The call

The clearest difference is review sentiment: CentralMOBILE at 36% against Metro Bank Authenticator's 0%. CentralMOBILE also leads on update cadence (every 3 months vs every 12 months). Metro Bank Authenticator's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement 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

CentralMOBILE ships an update every 3 months, Metro Bank Authenticator every 12 months. The most recent releases landed on September 24, 2026 and September 17, 2026 respectively.

Scorecard4 real differences · 6 level
CentralMOBILE versus Metro Bank Authenticator: the parameters behind the verdict, then further details
ParameterCentralMOBILEMetro Bank Authenticator
PriceFreeFree
Rating4.8 (4.3K ratings) — better—
Positive reviews36.1% of reviews — better0.0% of reviews
Number of ratings4.3K — better—
Update frequencyEvery 3 months — betterEvery 12 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size112 MB12 MB
Age rating4+4+
DeveloperCENTRAL BANK & TRUST COMPANYMetroBank

Customer experience

CentralMOBILE

All ratings4,326 ratings
Positive95.2%
Neutral1.5%
Negative3.3%
Written reviews83 reviews
Positive36.1%
Neutral4.8%
Negative59.0%

Metro Bank Authenticator

Written reviews19 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

CentralMOBILE

Reported bugs

3 issues
  • App incompatibility with iOS 16
  • Persistent login and connectivity problems
  • Inconsistent Face ID/Touch ID functionality

Requested features

3 requests
  • Ability to view transaction details and receipts
  • Improved account management features
  • Seamless integration with newer iOS versions

Metro Bank Authenticator

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CentralMOBILE

No in-app purchases

None

Metro Bank Authenticator

No in-app purchases

Questions

Is CentralMOBILE free?
CentralMOBILE is free to download, with no in-app purchases.
Is Metro Bank Authenticator free?
Metro Bank Authenticator is free to download, with no in-app purchases.
Do CentralMOBILE or Metro Bank Authenticator have ads?
CentralMOBILE shows ads; Metro Bank Authenticator does not.
Which is updated more often, CentralMOBILE or Metro Bank Authenticator?
CentralMOBILE ships an update every 3 months, and Metro Bank Authenticator every 12 months. Most recently, CentralMOBILE was updated on September 24, 2026 and Metro Bank Authenticator on September 17, 2026.

Other comparisons