Comparison

BT Panorama vs AAMI App

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

Head to head
About

BT Panorama

Access and manage your investment accounts on the go. View portfolio performance, trade securities, make payments, and get market insights. Secure login options and virtual assistant support are available.

Highlights
  • View portfolio balance and performance
  • Trade listed securities and managed funds
  • Make payments and schedule transactions
  • Access market information and ESG data
  • Secure login with biometrics
  • Virtual assistant support
Features
Read full description

The BT Panorama mobile app provides advisers, practice professionals, and investors with easy access to their accounts via mobile. Signing in to the app is fast and secure with Face ID, 4-digit passcode or fingerprint technology², or you can use your Panorama username and password. For BT Panorama advisers and practice professionals: The mobile app lets you take your business with you, with features including: · View a summary of your total funds under administration, active accounts, net flows and fees from the business overview dashboard · Search client accounts, and view what your clients view including total portfolio balance and performance details · Drill down into market information for shares and managed funds in your clients’ portfolios, for a quick snapshot of the latest prices, asset performance, ESG and key information · Buy, sell and track orders for term deposits, managed funds, managed portfolios and listed securities (where applicable) · View your clients' cash account summaries and make payments to existing accounts on their behalf, where authorised · View messages, consent and service request status, updates, product news and alert notifications · Ask Blue, BT’s virtual assistant or chat to a consultant For BT Panorama investors: Use the mobile app to access your account on the go, with features including: · View your total portfolio balance and performance by investment, which can include any term deposit, listed security, managed fund and managed portfolio investments · Drill down into market information for shares and managed funds in your portfolio for a quick snapshot of the latest prices, asset performance, ESG and key information · Make payments, deposits and schedule transactions, and add linked, payee and BPAY®³ accounts · Trade all investment types and track the progress of investment orders, where authorised · Apply filters to view transaction history and details · View and update personal details, where authorised · View important notices, messages, forms and requests, consent requests and alerts, and access the Benefits Now portal · Review and download your statements, reports and disclosure documents · Ask Blue, BT’s virtual assistant or chat to a consultant For BT super members: BT Super merged into the Mercer Super Trust on 1 April 2023. If you have any queries, contact Mercer Super on 1800 682 525 Mon to Fri 8am – 7pm (AEST) or https://www.mercersuper.com.au/contact-mercer-super/ This app is only available for BT Panorama advisers and BT Panorama investors. For more information: Advisers – call 1300 784 207 Investors – call 1300 881 716 Important: ¹ You must be an investor in Australia resident to use this app. ² Your phone must be able to support this technology. Requires iOS 14 or greater. Westpac Banking Corporation ABN 33 007 457 141 provides the facility for making payments by BPAY®³ and Pay Anyone (excluding payments to linked accounts). Refer to the BT Cash Management Account and BT Cash Management Account Saver and related Payment Services Terms and Conditions, for the terms and conditions applying to this facility. By installing the application, and each time you use the application, you acknowledge and accept the BT Panorama Mobile Application Terms and Conditions, and any amendments to them made available electronically through the BT Panorama Mobile Application. ³ Registered to BPAY® Pty Limited ABN 69 079 137 518

About

AAMI App

Manage your AAMI insurance policies conveniently from your smartphone. Update personal information, pay renewals, view policy documents, and track claims with real-time status updates. Receive important notifications about your policies.

Highlights
  • Manage supported insurance policies
  • Update personal and payment details
  • Pay policy renewals
  • View policy documents
  • Track home and motor claims
  • Receive policy notifications
Features
Read full description

The AAMI App is here! Got an AAMI insurance policy? Then this is for you! The AAMI App makes it easy to check and manage supported policies, right from your pocket. “What can I do with this app?!” you’re probably wondering. Good question! • Update your personal details, like your address and payment details. • Pay your renewal. • Check policy docs. • Track home and motor claims, with status updates as they progress. • Receive notifications about things like finalised claims and upcoming renewals. Sounds good, right? We’ve said it before, and we’ll say it again… Lucky you’re with AAMI!

Screenshots

BT Panorama4 screens
AAMI App4 screens

Verdict

The call

The clearest difference is update cadence: AAMI App at every 5 weeks against BT Panorama's every 4 months. BT Panorama's advantage is monetization model (free vs ad-supported) and iOS requirement (15.1 vs 18.6). On price, review sentiment, ads and in-app purchases 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

BT Panorama ships an update every 4 months, AAMI App every 5 weeks. The most recent releases landed on October 13, 2026 and October 11, 2026 respectively.

Scorecard3 real differences · 7 level
BT Panorama versus AAMI App: the parameters behind the verdict, then further details
ParameterBT PanoramaAAMI App
PriceFreeFree
Rating—4.7 (29 ratings) — better
Positive reviews22.7% of reviews — better17.2% of reviews
Number of ratings—29 — better
Update frequencyEvery 4 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better18.6
Further details — not scored
Size52 MB249 MB
Age rating4+4+
DeveloperBT Financial Group Pty LtdAAI Limited

Customer experience

BT Panorama

Written reviews66 reviews
Positive22.7%
Neutral6.1%
Negative71.2%

AAMI App

All ratings29 ratings
Positive93.1%
Neutral3.4%
Negative3.4%
Written reviews99 reviews
Positive17.2%
Neutral8.1%
Negative74.7%

User reviews

BT Panorama

From App Store reviews

What we love

  • 👍 Easy to use and navigate
  • 👍 Great app functionality
  • 👍 Good market information
  • 👍 Reliable for tracking balances
  • 👍 Powerful functionality

Room to improve

  • 🐛 Frequent login issues
  • 🐛 App crashes often
  • 🐛 Technical difficulties/maintenance
  • 🐛 Inaccessible frequently
  • 🐛 Updates cause problems

AAMI App

From 29 App Store ratings

What we love

  • 👍 Easy-to-use interface and navigation
  • 📱 Convenient access to policies and claims
  • 🚀 Quick online claim process
  • 💼 Comprehensive coverage options
  • 🎯 Accessible policy information at a glance

Room to improve

  • 🐛 App crashes frequently and unexpectedly
  • ❌ Multiple policies not displaying correctly
  • ⚠️ Persistent login and authentication issues
  • 📵 Chat and messaging system unresponsive
  • 🔧 Unable to update account details via app

Bugs and requests

BT Panorama

Reported bugs

30 issues
  • Forced to update frequently
  • Facial recognition and PIN issues
  • App crashes when accessing certain areas
  • App shuts down when accessing beneficiaries
  • Login issues after updates
Show 25 more
  • Performance charts not working after update
  • No field to enter 2FA code
  • Quick sign-in goes in a loop after iOS upgrade
  • Biometrics not working
  • Cannot manually enter login credentials
  • App always under maintenance or inaccessible
  • Constant errors preventing login
  • Toggle for external investments not saved
  • Cannot setup quick sign-in
  • Facial recognition or quick code setup not working
  • Links to setup Face ID/PIN squashed
  • Locked out by an 'improvement'
  • Verification code repeatedly marked as wrong
  • App will not allow review of site
  • App always down for maintenance
  • App offline for extended periods
  • App constantly looping, requires delete/reinstall
  • Cannot reload app from App Store
  • Keeps losing quick login data
  • Not supported when things go wrong
  • Connection error when trying to access super
  • Stuck on 'getting account information'
  • Market movements take days to update
  • Occasionally wrong data
  • Search function for new investments is terrible

Requested features

5 requests
  • Display term deposits in maturity date order
  • 24/7 online chat support
  • Compare super performance against ASX 200
  • Face recognition login
  • Dark mode option

AAMI App

Reported bugs

15 issues
  • App crashes when accessing driver rewards tab
  • Login failures and 'something went wrong' errors
  • Policies not displaying despite being added
  • Chat disconnects and loses conversation history
  • Claim information wiped when receiving calls/texts
Show 10 more
  • App logs out mid-claim without saving progress
  • Home page error preventing policy viewing
  • Contact information update functionality broken
  • Payment processing fails despite correct details
  • Incompatibility with iPhone 15
  • Weather alert notifications lose information after login
  • Trip tracking marks false hard braking/cornering
  • Slow server response times for claim retrieval
  • Photo upload errors on existing claims
  • iOS app requires force-close to access after rejection

Requested features

12 requests
  • Direct payment button for installments
  • Policy documents viewable within app
  • Ability to update address and contact details in app
  • Copy-paste functionality for claim numbers
  • Save progress when filing claims
Show 7 more
  • Consistent payment date change functionality
  • Email contact option for inquiries
  • Display all policies without errors
  • Offline access to policy information
  • Integration of all AAMI services in single app
  • Improved weather alert functionality
  • Better trip tracking accuracy for driver rewards

In-app purchases

None

BT Panorama

No in-app purchases

None

AAMI App

No in-app purchases

Questions

Is BT Panorama free?
BT Panorama is free to download, with no in-app purchases.
Is AAMI App free?
AAMI App is free to download, with no in-app purchases.
Do BT Panorama or AAMI App have ads?
Neither BT Panorama nor AAMI App shows ads.
Which is updated more often, BT Panorama or AAMI App?
BT Panorama ships an update every 4 months, and AAMI App every 5 weeks. Most recently, BT Panorama was updated on October 13, 2026 and AAMI App on October 11, 2026.

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