# Westpac NZ CashNav

> Free money management app for tracking and categorizing Westpac account spending. (iPhone/iPad app by Westpac New Zealand Limited.)

- Source: https://appshunter.io/ios/app/westpac-nz-cashnav/id1137475677 (this page in markdown: same URL + `.md`)
- Developer: [Westpac New Zealand Limited](https://appshunter.io/developer/411603457)
- Category: Finance
- Price: Free
- Rating: 2.67/5 from 3 App Store ratings · 98 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 26 MB
- Languages: English
- Released: 2016-09-10
- Data updated: 2026-08-07
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/westpac-nz-cashnav/id1137475677/reviews.md

## What is Westpac NZ CashNav?

CashNav. See what you spend to get what you want. 

Westpac CashNav is a free money management app (for smartphone only) that keeps track of your transactions so you can see what you spend to help you get what you really want. 

It’s easy to use, simply open the app and log in with your Westpac Online Banking user ID and password. CashNav securely connects with your Westpac transactional and credit card accounts and tracks your day-to-day spending, purchases and bill payments and automatically groups spending into categories.  

Push notifications give you automatic updates of your spending.

It also features an easy to read Spending Meter that compares your current spending to your typical monthly spend to keep you informed. 

Download CashNav today .The app that lets you see what you spend to get what you want.

Terms and Conditions:

Use of CashNav is subject to the CashNav Terms and Conditions

https://www.westpac.co.nz/accounts-cards/tools-apps-and-calculators/cashnav/cashnav-terms-and-conditions/

## Key features

- Transaction tracking
- Automatic spending categorization
- Spending Meter visualization
- Push notifications for updates
- Secure Westpac account connection

## Recent user reviews (10 of 98)

All indexed reviews: https://appshunter.io/ios/app/westpac-nz-cashnav/id1137475677/reviews.md

### 1/5 — Limited categories!

*2026-07-12, version 4.1.3*

Would love it if could add own categories!

### 2/5 — No targets anymore

*2025-10-14, version 4.0.0*

Used to love this app and be able to set targets but the target icon is no longer available. Disappointing.

### 1/5 — Doesn’t quite do the job

*2025-08-27, version 4.0.0*

A number of ongoing lack of improvements to the app. 
The display in a pie graph is less useful than a line graph default would be. 
Transaction accounts tracked are not easily changed and in fact I still don’t know how to change them. 
Online support includes only basic solutions such as have you updated your app and phone IOs. 
There is nowhere to escalate questions or even suggested improvements. 
With small efforts from westpac this could actually be a useful tool. I will now look for an alternative.

### 3/5 — Accurate tracker, Could be better

*2025-06-02, version 4.0.0*

The app itself is quite useful when you want to see your monthly spendings, it shows you in different diagrams, some important others are not necessarily relevant, my only concern with this app is that it dosent show you your previous monthly spendings for comparison, which makes budgeting and financial reports quite limiting.

### 1/5 — Formerly useful - massive downgrade in functionality

*2025-06-01, version 4.0.0*

I used to sporadically use CashNav as it was quite good for looking at last months spending.  
The app appeared to have  been massively downgraded and now provides no access to past months’ info.  So disappointed.

### 1/5 — Was good, latest update has ruined it!

*2025-05-20, version 4.0.0*

This app used to be a great way to track spending in different categories, but the recent update means it’s now just frustrating! Very laggy when going in to change categories, which you inevitably have to spend lots of time doing as the ‘remember change for future transactions’ function seems to do nothing. Please fix this app and make it more user-friendly!

PLEASE SORT THIS APP OUT ASAP.

### 2/5 — Good concept needs better functionality

*2025-04-25, version 4.0.0*

Way to basic. Needs to have option to add categories or at least include some commons ones like insurance (life etc), and childcare. Account transfers should be automated and not automatically tagged to cash.

### 1/5 — Inaccurate data

*2025-04-19, version 4.0.0*

Does not account for all spend transactions. I have missing spend transactions unaccounted for.

Definitely also does not show how much money is deposited either.

### 5/5 — Thank you!

*2025-04-13, version 4.0.0*

More updates and features please.

### 2/5 — Concept is good, execution poor

*2025-03-01, version 4.0.0*

This app is not set up to support your customers. You could support your customers much better by including an  income gas gauge that is embedded on the spending gas gauge so users can, at a glance see if their overspending. Giving the user the ability to set the month to their own schedule will also help people keep track. Credit card bills for example run to the 20th, as do so many others, why does this app not have the ability to do the same?
This app is set up for the bank to keep people confused about their finances rather than in control. Shame on you Westpac! You should do better, with the profits you make off our backs!

## Frequently asked questions about Westpac NZ CashNav

### What does Westpac NZ CashNav do?

Westpac NZ CashNav is a free mobile application designed to help you track and understand your spending. It securely connects to your Westpac transactional and credit card accounts, automatically categorizing your day-to-day expenses, purchases, and bill payments.

### How does the app help me manage my money?

The app provides an easy-to-read Spending Meter that compares your current spending against your typical monthly spend. It also sends push notifications with automatic updates on your spending, giving you real-time insights into your financial habits.

### Is Westpac NZ CashNav free to use?

Yes, Westpac NZ CashNav is a free money management app. There are no charges associated with downloading or using its core features for tracking and categorizing your spending.

### What Westpac accounts can I connect to CashNav?

The app securely connects with your Westpac transactional and credit card accounts. You will need your Westpac Online Banking user ID and password to log in and link your accounts.

### Who is this app intended for?

This app is intended for Westpac customers in New Zealand who want a simple way to monitor their spending. It's designed for smartphone users who wish to gain better visibility into where their money goes to help them achieve their financial goals.

## Version history (last 5 releases)

### 4.1.3 — 2026-04-16

Minor updates to screen display to improve visual clarity and consistency.

### 4.0.0 — 2024-08-13

We’re excited to introduce an upgraded app experience that is designed to enhance your financial journey. Our revamped home screen now features a sleek vertical scroll and an intuitive carousel swiper, along with real-time notifications, making it easier to navigate your finances and track expenses, and all of this is available at your fingertips. We have prioritized stability, scalability, and actionable insights, all aimed at improving - your financial well-being.

### 3.5.4 — 2023-05-25

Minor bug fixes

### 3.5.1 — 2021-06-23

Updated Westpac links. Improved the ‘Spending History’ information for customers new to the app.

### 3.4.5 — 2020-06-01

Minor Bug fixes. End of month transaction and spike issues resolved.

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## More apps by Westpac New Zealand Limited

- [Westpac One NZ Mobile Banking](https://appshunter.io/ios/app/westpac-one-nz-mobile-banking/id510251434)
- [Westpac Get Paid](https://appshunter.io/ios/app/westpac-get-paid/id727420087)

All apps by Westpac New Zealand Limited: https://appshunter.io/developer/411603457

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*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 2026-08-07.*