# Smart Money — user reviews > 52 indexed App Store user reviews of Smart Money by Loans.com.au, rated 5.00/5 from 1 ratings. - Source: https://appshunter.io/ios/app/smart-money/id1325912110/reviews - App overview in markdown: https://appshunter.io/ios/app/smart-money/id1325912110.md - Rating breakdown: 5★ 1 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 0 ## Newest reviews (14 of 52) ### 1/5 — Blank screen *2022-11-10, version 1.44.0* After logging on and selecting View accounts the screen goes blank. You guys are saying I am the only one getting this problem which I don’t believe ### 1/5 — Terrible *2022-11-08, version 1.43.0* This is an app by a company that doesn’t want to spend any money building an app. It’s definitely the worst app I have installed on my phone. Not only do other banks have much better apps they’ve got better rates too. ### 1/5 — Not good *2022-11-05, version 1.43.0* App get stuck all the time on my I phone and I am fed up of restarting my phone all the time. The worst app ever. Can’t do anything. ### 1/5 — Worst app *2022-04-29, version 1.31.0* Three years later and still the same problems with when I go to open the app it’s a blank screen and I have to keep uninstalling and restoring. Very rarely does it work. I’ve spoken to technicians and they can’t see there’s a problem! Not good enough. ### 1/5 — No good *2022-03-30, version 1.31.0* Unfortunately the app is constantly frozen. Having to use the full website to do any banking which is not user friendly. ### 1/5 — App keeps crashing on iPhone *2022-02-17, version 1.28.0* App keeps getting hung after using different usernames. My device is iPhone SE ### 1/5 — Poor first impressions *2022-01-17, version 1.28.0* Poor first impressions - App 1- does not seem to have been updated for years 2- does not accomodate the landscape view on iPad, only portrait. Not convenient when I use it with a keyboard folio on my ipad 3- asks for different registration & login details from online tool. Yet another set of login credentials to remember Also, why does there need to be 2 apps (OnTrack and Smart Money) for loans.com.au? Instead of consolidating? Lastly, when clicking on the link from loans.com.au, there is an error message stating that OnTrack App is not available to download in my region. I’m in Australia ### 2/5 — Needs update *2021-09-29, version 1.26.0* Not working since ios15 update ### 1/5 — Getting worse *2021-09-26, version 1.26.0* I’m genuinely impressed they can make the app worse each time they update it. Crashes. Hangs. And is basically just a web wrapper anyway. ### 2/5 — Too Much Loading *2020-08-31, version 1.15.2* The app should load in the background when there’s any update. Showing a full loading screen blocking interaction is an extremely bad UX. Also, Sign Out button should not be on the main header bar of the app. You’re suggesting that people should do that but putting it in such a crucial spot. ### 1/5 — Terrible *2020-03-29, version 1.11.0* Sign into the app and the first thing you click makes the app auto sign you out.. absolutely uses less ### 2/5 — Cannot use PayID *2019-02-22, version 1.6.3* Cannot use PayID ### 1/5 — Security? *2018-09-08, version iOS App 1.5.0* SSL is deprecated. ### 1/5 — Bad app *2018-07-23, version 1.4.0* This is not a native iOS app. Very slow!! ## Most critical reviews (10 lowest-rated) ### 1/5 — Worse banking/loan app ever *2026-03-01, version 1.74.0* Just loads into a blank white screen. Can even view statements or balances due to glitches. ### 1/5 — Crashing Live Chat *2025-08-28, version 1.72.6* 👏Fix 👏 The 👏App 👏Chat 👏Crashing 👏And 👏Giving 👏A 👏 White 👏Screen 👏After 👏Using 👏It 👏Randomly👏 ### 1/5 — Glitch central *2025-06-10, version 1.72.0* 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. ### 1/5 — Stay away please! *2024-10-12, version 1.67.1* 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. ### 1/5 — The smart money app doesn’t open *2024-06-03, version 1.64.8* It’s been more than two weeks since the app is not functioning. It comes blank. I have contacted the company through chat, phone, and email. But no proper progressive response. They only say the IT department will fix it but no improvement. It’s frustrating. I didn’t expect such kind of delay in fixing an app from this reputed financial institution. ### 1/5 — Poor App Interactive Experience *2024-05-30, version 1.64.8* The app looks user friendly enough, but then when you actually go to use the tab or do what you want to do you can’t! In my experience I was unable to select the tab to add a new Payee, just wouldn’t allow me to open the tab? I can’t seem to edit already added payee details either, there’s just an information icon which does nothing. The app seems to shut down with it apparently stuck on the “loading” screen after a certain length of time using the app and you have shut it all down and log back in. This has been very frustrating! ### 1/5 — Transaction errors *2023-12-12, version 1.58.8* Be wary when making transactions! If an error message popup is displayed and you don’t get put through to the successful transaction stage, your transaction may have gone through. Don’t try again like I did 😭. Call loans.com.au to see if it went through. ### 1/5 — Worst Finance App *2023-09-17, version 1.58.0* This is just a terribly written application. It simply cannot recover from being suspended. If you ever open the app and see a white screen, just force quit and reopen the app; it won't ever recover. It also takes 20-25 seconds to authenticate and get to the point where you can use the app. Every other finance/banking app can do that in 4-5 seconds at most. Not sure who has developed this app, but they need to get a lot better. ### 1/5 — Shocking customer service. In-app chat function useless *2023-09-15, version 1.58.0* This bank makes it impossible to get hold of someone if they have charged you incorrectly. I connected to the in-app chat and was disconnected FOUR times after the chat operator said they were transferring. Another two times, the app times out because the chat operator took SO long to reply / transfer me. When the app timed out and I logged back in, the chat had erased itself and I had to restart the whole process again. I also followed customer service instructions to update my own direct debit bank details. After I did so, they changed the bank details and my car loan frequency repayment without my authority and started deducting my loan amount from a different offset account that is a completely separate account to my car loan account (the two were never given permission by me to be linked). Absolutely terrible ### 1/5 — App does not work *2023-06-12, version 1.54.0* App no longer opens. It used to work ok but even after a number of re-downloads it is still not opening. ## Most praised reviews (10 highest-rated) ### 5/5 — Thanks for fixing Face ID! *2020-03-14, version 1.11.0* It no longer forgets the logged in user every time! ### 5/5 — Fast and easy to use *2018-07-27, version 1.4.0* Easy to manage your accounts with super quick login. App use to drain battery in the background but it has been updated lately ### 4/5 — App pauses audio apps - why? *2020-09-07, version 1.15.2* Not sure why Smart Money app pauses audio apps, including Apple Music, Bandcamp and Spotify. Otherwise, easy to use. ### 4/5 — Much awaited, easy to use app ! *2018-05-15, version 1.3.1* I have been waiting for this app for over a year now, didn’t know this app has been there for sometime now as the login page on website still reads ‘Watch this space’. Anyways, it’s very easy to use app and FaceID works for me on iPhone X and TouchID on iPhone 7. ### 4/5 — Yay finally! And it does the job *2018-05-15, version 1.3.1* Works perfectly well and very functional. Finding a bit of lag time between tapping a menu item and the screen switching over - other banking apps are a lot faster to respond, but doesn’t hamper use, just a bit of a ux downer. Thanks loans! ### 4/5 — New features! *2018-04-18, version 1.3* Your latest update advises that Face ID can be enabled and used but there is no option to enable it. Only Touch ID can be enabled from the simple login screen. Might want to fix that! Apart from that, the app is improving significantly! ### 4/5 — Very good, but... *2018-01-19, version 1.0* A really nice app - well done to the Loans team, however a couple of small additions would make it 5 stars: - Landscape mode. I only use my iPad in landscape (as i have a case and keyboard, having to switch to Portrait is a little annoying) - Put a character counter on the description - I entered a payment, went to the ‘final’ screen and got an error saying my payment reference was too long. Would have been good to flag this on the previous page. Well done - a very good app! ### 3/5 — GUI needs an update *2024-12-31, version 1.69.0* 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?! ### 3/5 — Pretty good, easy to use app *2019-05-01, version 1.6.3* Overall I’m pretty happy with the app, however I find it really odd that I can send messages, but can’t reply on either the app or the mobile site. I have a message that I need to respond to, but it’s just going to sit there until I can get my hands on a laptop so I can access the full website, or find the time to call ### 3/5 — Face ID *2018-11-12, version iOS App 1.5.0* Can you add the Face ID function? --- *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 2026-08-31.*