# Kiwibank Mobile Banking — user reviews > 190 indexed App Store user reviews of Kiwibank Mobile Banking by Kiwibank Limited, rated 3.10/5 from 18 ratings. - Source: https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653/reviews - App overview in markdown: https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653.md - Rating breakdown: 5★ 9 · 4★ 0 · 3★ 0 · 2★ 1 · 1★ 8 ## What do users think of Kiwibank Mobile Banking? Overall sentiment: negative **Pros** - 👍 Easy to use and intuitive interface - 🚀 Fast and responsive app performance - 💳 Apple Pay support (recently added) - 🔒 Secure authentication with Face ID/Touch ID - 📱 Good basic banking functions - 🎨 Clean, modern design with dark mode support - 📞 Helpful customer service staff - 💰 Convenient for everyday transactions **Cons** - ⚠️ Forced iOS version requirements lock out older devices - 🐛 Frequent app crashes and freezes - ⏱️ Slow login and loading times - 🔄 Endless update loops on incompatible devices - ❌ Poor customer support responsiveness - 🚫 Lack of real-time transaction notifications - 📊 Missing advanced features compared to competitors - 💔 No backwards compatibility for older iOS versions - 🔐 Accessibility issues with KeepSafe security questions - ⚡ Server outages and unavailability - 🎯 Confusing balance display (available vs account balance) - 🔍 Limited transaction filtering and search capabilities **Commonly reported bugs** - App requires iOS 16+ update, blocking users on iOS 15 and older - Infinite loop when updating app on incompatible devices - Payment failures requiring app reinstall - Balance not updating after transactions without logout/login - Unexpected error messages during payments and login - App stuck in loading screen indefinitely - Face ID not working automatically (requires manual tap) - Widget not updating or showing loading screen permanently - Account lockout after 3 failed PIN attempts - Share button on transaction receipts crashes app - Login issues on mobile data (50% failure rate) - App crashes on startup for some users - Accounts not syncing across multiple devices - Cannot change debit card accounts (error message) - Display issues with account names and balances - KeepSafe questions not screen reader accessible **Most requested features** - Real-time transaction notifications and alerts - Google Pay support - Transaction time stamps (not just processing time) - Favorites/frequent payees section - Export statements in PDF format - Virtual card support - Budgeting and spending breakdown tools - Copy account number button - Search transactions by payee name - Larger widget font sizes - Transaction notifications for specific amounts or types - Smart watch/wearable device support - Improved widget functionality - Better pending transaction visibility - Direct Debit approval notifications - Privacy and security audit logs ## Newest reviews (19 of 190) ### 3/5 — Notifications *2026-07-27, version 5.8.1* Please can we get notifications. Including card payments please. ### 4/5 — Bello *2026-07-17, version 5.8.1* Would like it more if it was like the anz app where you get real time notifications when you receive money into your account ### 3/5 — There is a potential to be better *2026-07-08, version 5.8.1* It would be awesome if the app gives real time notification of debits and deposits in real time (not only with sms with has a considerable delay). Also it needs a new design. It’s so old fashion. ### 4/5 — Direct debit detailed view doesn’t work *2026-06-25, version 5.7.0* Direct debit detailed view doesn’t work when you change pay account accounts. Would like to have a view to track total income and total spending ### 3/5 — . *2026-06-24, version 5.7.0* App is easy to use. Only downside I’ve found is the app not being able to notify me of any deposit or transactions into my phone. ### 3/5 — Acceptable but not Exceptional! *2026-05-11, version 5.5.0* Very average banking app with no exceptional features. There are a few extras I would like: 1. Search history minimum of 5 years and able to download as txt, csv or pdf and forward to email. 2. Setup web cards (visa & master) that can be used for one-off transactions or dedicated to specific e-shops, i.e. Amazon, Apple, or your local Pizza shop when you order online. ### 4/5 — Changes needed *2026-05-06, version 5.4.0* I get the need to have warnings for scams etc, but if I am paying the same people week in and week out, can it remember that it’s not a scam? Same with changing APs… it’s already there, it predates the dinosaurs, pretty sure rent is a scam anyway, but I still have to pay it… ### 3/5 — I can’t use this version of the app *2026-04-10, version 5.3.2* Can’t download app on iPhone 8 ### 4/5 — Kiwibank *2026-04-07, version 5.3.2* Always used this app when shopping or paying accounts. Easy to use and very helpful. ### 2/5 — App functional but still behind others *2026-04-02, version 5.3.2* Good basic functions but still won't notify for transactions, deposits/withdrawls or low balance thresholds for upcoming scheduled payments etc Kiwibank show no interest in catching up to the level of service other banks apps provide ### 2/5 — Slow, laggy *2026-03-12, version 5.2.0* The amount of time it takes to launch, login and then wait to load while standing at the checkout is the longest 30s of your live. BNZ is faster ### 4/5 — Stable *2026-02-20, version 5.1.0* Ongoing updates are great to keep us safe and up to date are great but can we have the option to download our statements from the app? In a secure pdf format would be optimal. Having been overseas for many years and using overseas banks.. this is available as standard. #kiwibank ### 1/5 — Can’t update app or access my money *2026-01-22, version 4.44.0* Kiwibank recently released a bug fix and QOL update that is for iOS 16 or later, and prohibits any app usage until updated, because my phone is an older model I am unable to access my bank account. ### 1/5 — Not usable *2026-01-13, version 4.55.2* Not usable on any iOS below 16.0 not everybody can afford the latest and greatest. Another reason kiwibank services are not up to scratch. ### 1/5 — Another banking lock-out… *2026-01-12, version 4.55.2* Around the same time Kiwibank’s Waiheke Island branch closure AND ATM removal prevents numerous local businesses from accepting cash, it now excludes customers with older devices from banking via its app. Boo. ### 1/5 — Lazy employees… *2025-12-29, version 4.55.2* Im not very happy at all. I am trying to contact kiwi bank, and yet only an AI operator is answering my calls. The AI was a good plan, but, it is not taking ANYTHING I am saying and getting help. Plus, i have had these overseas blocks on my card for a while now which id not appropriate since i’m in New Zealand, and only trying to order off of a Korean site. Please be better and help the customers out. ### 1/5 — USELESS *2025-12-29, version 4.44.0* Absolutely gutted! We used this app almost everyday until the last update. Now our phones aren’t compatible! Could’ve let customers know beforehand!! Website takes too long to sign in and navigate! ### 4/5 — App functional but still behind others *2025-12-27, version 4.55.2* Good basic functions but still won't notify for transactions, deposits/withdrawls or low balance thresholds for upcoming scheduled payments etc ### 1/5 — So disappointed! *2025-12-27, version 4.44.0* I’ve been using the app for years. Now you’ve gone to updating I can’t use it. ? No consideration for people who don’t want to spend on new phone. There must be thousands of people like me. Such a poor service for us. ## Most critical reviews (10 lowest-rated) ### 1/5 — App Experience *2026-07-20, version 5.8.1* This has got to be the worst banking app. Take a lesson from ASB. ### 1/5 — SLOW *2026-05-31, version 5.6.0* Seriously do something about your Stone Age app ### 1/5 — No option to turn off PayWave in the Kiwibank app *2026-05-13, version 5.5.0* Kiwibank’s card management features are not convenient enough. What disappoints me most is that there is no option in the app to turn off PayWave / contactless payments. Many other banks, such as BNZ and ASB, allow customers to turn contactless payments on or off by themselves in the app. This gives users more control, especially if they are worried about accidental payments, card fraud, or simply want better account security. However, Kiwibank does not provide this feature, so customers have very limited control and may need to contact the bank for help. Contactless payment is convenient, but not everyone wants it enabled all the time. I hope Kiwibank can improve its app and add an option to turn PayWave / contactless payments on or off. ### 1/5 — No option to turn off PayWave in the Kiwibank app *2026-05-06, version 5.4.0* Kiwibank’s card management features are not convenient enough. What disappoints me most is that there is no option in the app to turn off PayWave / contactless payments. Many other banks, such as BNZ and ASB, allow customers to turn contactless payments on or off by themselves in the app. This gives users more control, especially if they are worried about accidental payments, card fraud, or simply want better account security. However, Kiwibank does not provide this feature, so customers have very limited control and may need to contact the bank for help. Contactless payment is convenient, but not everyone wants it enabled all the time. I hope Kiwibank can improve its app and add an option to turn PayWave / contactless payments on or off. ### 1/5 — Rubbish *2026-04-25, version 5.3.2* As they say get what you pay for. Rubbish app never works locks you out for no reason. Thankfully only have 1 account there. Would never transfer any other accounts. ### 1/5 — Update? *2026-04-06, version 5.3.2* Why does it need constant updating? Not easy if you are travelling. ### 1/5 — Unusable for my iPad air *2026-03-24, version 4.44.0* App is unusable for my iPad Air ### 1/5 — Trash *2026-03-09, version 5.2.0* The app error all the time. Trash devs. Ever heard of qc? ### 1/5 — Trash design *2026-03-05, version 5.1.0* Why is your bank app still not supporting iOS Liquid Glass? This is basic stuff. Every other app updated already. Yours looks old and broken. You’re a bank, not some small garage startup. If you can’t even keep up with iOS updates, how can people trust you with their money? This is just lazy. Fix it. ### 1/5 — Locked out of account *2026-02-21, version 4.44.0* Your latest software update has now effectively locked me out of my account as I need IOS 16 to use it. Who decided to lock customers out of their account? ## Most praised reviews (10 highest-rated) ### 5/5 — Absolutely caring *2026-01-06, version 4.55.2* Absolutely helpful, friendly staff. I’ve called Kiwibank twice & service exceeded my expectations. ### 5/5 — Great Stuff *2025-11-20, version 4.44.0* Great Stuff ### 5/5 — iPhone 7 *2025-06-15, version 4.44.0* My iPhone 7 cannot update the app and I can’t use it ### 5/5 — Great app *2025-06-04, version 4.44.0* Love it easy quick and now with apple pay 🙏 ### 5/5 — Kiwibank app *2025-05-13, version 4.43.1* I love this banking app. Super easy to use, to transact and / or open accounts - great rates too - easy to find. Keep up the great work. ### 5/5 — Totally helpful *2025-03-20, version 4.42.0* This card transfers on to my iPhone for PayWave so can purchase, using my phone on PayWave at a store ### 5/5 — Apple Pay *2024-11-06, version 4.34.0* I really like my Apple Pay ### 5/5 — Search *2024-10-02, version 4.32.0* Is it possible to search payment using a name it seems only amounts? ### 5/5 — Thanks for getting Apple pay! *2024-04-07, version 4.19.0* Thank you for finally listening to your customers! ### 5/5 — Great app, even better now it has Apple Pay *2023-12-06, version 4.15.0* Yay Apple Pay! Was easy to set up and easy to use --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*