Smart Money

Smart Money

by Loans.com.au

2 ratings
52 reviews
Free

Details

Released
December 19, 2017
Updated
November 2, 2026

Features

Smart Money screenshot #1 for iPhone
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Smart Money screenshot #10 for iPhone
iphone
ipad
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About

Manage your finances by viewing balances, accessing accounts, and transferring money. You can also pay bills, track transaction history, and manage loan repayments. The app offers secure access with high-grade encryption for all your financial data.

✓View account balances
✓Transfer money
✓Pay bills
✓Manage loan repayments
✓Track transaction history
✓Secure access with encryption
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What users say about Smart Money

See all reviews
+1

What's New in Smart Money

1.77.8

November 2, 2026

Analytics service updates

User reviews

Worse banking/loan app ever

Just loads into a blank white screen. Can even view statements or balances due to glitches.

Crashing Live Chat

👏Fix 👏 The 👏App 👏Chat 👏Crashing 👏And 👏Giving 👏A 👏
White 👏Screen 👏After 👏Using 👏It 👏Randomly👏

Glitch central

I don’t know what’s worse! The glitching app that shuts down half way through explaining something for the 3rd time or the typical lazy oz customer service where nobody reads your question because they are lazy. It’s the whole “I dunno” rather than “I’m not sure, BUT LET ME FIND OUT FROM SOMEONE WHO DOES KNOW SO YOU DONT HAVE TO WORRY”
Laziness. Apparently this has been glitching for years? Loan settled an hour ago and I’ve already had a bad first impression. I literally planned the full day with my dying mother to take her out of hospital for the day because I confirmed that the card will be activated after settlement. When someone asks when a card can be activated this obviously implies that it needs to be activated to be used!! Instead they tell you when it’s a active but not that there will be a 3 day delay. This was not communicated previously nor picked up on when I messaged them asking about activation! A simple “technically it will be active but you won’t be able to use it for 3 days” wouldn’t be rocket science! I assumed it was too good to be true and everytging was going suspiciously smooth! But alas at least Australian customer service reps are consistently bad.
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GUI needs an update

It’s overall OK, but the app has a few things that make it a mediocre user experience:
1) Every time you login, it prompts you to change your password. WHY?!
2) The way you get to your balances or view your information is way too clunky.
3) If it’s a basic loan, certain features should just be not ‘clickable’… tapping in to dead-ends within an app is frustrating.
4)Payments IN to loan accounts take DAYS to appear. It’s not 1980.
5) Changes made in the app to direct debits in the app DON’T STICK. You still need to call. WHY?!
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Stay away please!

When you chat with the agent, after sometime the app will kick you out. Now redo the same thing with a new agent. By the time you reach the app will kick you out again.

Developer apps

User experience

🐞

Reported Bugs

26 issues

Blank white screen on launch

Bug

App crashes frequently

Bug

Live chat crashing

Bug

App disconnects during chat

Bug

Direct debit changes don't stick

Bug

Cannot add or edit payees

Bug

Transaction errors

Bug

App not recovering from suspension

Bug

App pauses audio apps

Bug

App autologs out after first action

Bug

SSL deprecated

Bug

App not updated for years

Bug

No landscape view on iPad

Bug

App crashing on iPhone SE

Bug

App not working since iOS 15 update

Bug

App gets stuck on iPhone

Bug

App freezes constantly

Bug

App hangs after using different usernames

Bug

App takes 20-25 seconds to authenticate

Bug

App has dead-end links

Bug

Payments take days to appear

Bug

App has glitches and shuts down

Bug

App cannot view statements or balances

Bug

App prompts to change password every login

Bug

App has clunky navigation

Bug

App has too much loading

Bug
✨

Requested Features

16 requests

Update GUI

Feature

Fix app crashing live chat

Feature

Fix app not opening

Feature

Fix transaction errors

Feature

Fix app not recovering from suspension

Feature

Fix app pausing audio apps

Feature

Fix sign out button placement

Feature

Implement Face ID (older reviews)

Feature

Email receipts and confirmations

Feature

Support landscape mode on iPad

Feature

Consolidate apps

Feature

Fix PayID functionality

Feature

Remember login info

Feature

Implement Touch ID (older reviews)

Feature

Allow copy-paste for login (older reviews)

Feature

Character counter for payment descriptions

Feature

FAQ

What can I do with Smart Money?

Smart Money allows you to view your balance, access accounts, transfer money, pay bills, and manage loan repayments. You can also view transaction history and activate or change your debit card PIN.

Is Smart Money secure?

Yes, Smart Money is secure and can only be accessed with your Access Code. All data is protected with high-grade encryption.

What devices does Smart Money support?

Smart Money is available on iPhone, iPad, and iPod, as indicated by its support for iOS devices.

How often is Smart Money updated?

The latest version is 1.77.8, and it was last updated on November 2, 2026. This indicates a recent update, though user reviews suggest it has not been updated for years.

What is the user sentiment for Smart Money?

Despite a 5.0-star rating from 2 reviews, user review insights indicate a predominantly negative overall sentiment. Common complaints include frequent crashes, clunky navigation, and issues with payments and transaction management.

Does Smart Money have ads?

No, Smart Money does not contain advertisements, as indicated by the 'hasAds' flag being false.

What are the main issues users report with Smart Money?

Users frequently report issues such as blank white screens on launch, app crashes, live chat problems, clunky navigation, and payments taking days to appear. Some also note that direct debit changes do not persist and the app disconnects during chat sessions.

Can I add or edit payees in Smart Money?

According to user feedback, users have reported that they cannot add or edit payees within the Smart Money app.