Comparison

Unity Bank vs Your Banking

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

Head to head
About

Unity Bank

Manage your finances, check balances, and make secure payments with this banking app. Set savings goals, manage cards, and access banking services on the go. It offers quick login options and convenient payment methods.

Highlights
  • Check account balances
  • Make instant payments (PayID, Osko, BPAY)
  • Set and track savings goals
  • Manage debit/credit cards
  • Secure login with biometrics
  • View transaction history
Features
Read full description

Use your compatible device to conveniently check your accounts, pay a bill, transfer funds or make and receive real-time payments using PayID or Osko. Key Features: • Real-time payments – Faster, simpler and easier • Pay the right person using a PayID which can be as simple as their mobile phone number or email address • Smarter payments – 280 characters to better describe your payment including who and why • Online update feature means you will always have access to the latest information • Manage your daily transaction limits • Manage card options including lock/unlock cards and PIN change • Quick and secure access • Pay bills with BPAY® • Check account balances • Transfer funds between your own accounts and to external accounts • View recent transaction history • Set a savings goal and track your progress Registration is easy. Your money and personal details are secure and can only be accessed with your PIN, pattern or biometrics. Visit www.unity.bank/mobileapp for more information. Things you should know: Unity Bank and the Unity Bank logo are trademarks Unity Limited. All other trademarks are the property of their respective owners. There is no licence fee for the Unity Bank Mobile App. We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.

About

Your Banking

Manage your finances conveniently on the go with this secure banking app. Easily check balances, make instant or scheduled payments, and track savings goals. Secure login options and card management features are also available.

Highlights
  • Check account balance
  • Make instant and scheduled payments
  • Save payees and billers
  • Set and track savings goals
  • Secure login with PIN, pattern, Touch ID, Face ID
  • Temporary card lock and replacement
  • Add card to Apple Wallet
Features
Read full description

Welcome to Your Banking, by Regional Australia Bank. We’ve designed the Your Banking App to make your life easier. Manage your finances on the go and stay on top of everything in a snap. And since its so easy to use, you won’t have any trouble using it daily. All the things you’d expect from our secure banking app • Check your balance and get a quick balance • Make fast instant payments or schedule them for the future • Save your regular payees and billers • Share or save your payment receipts • Personalise your accounts with nicknaming and reordering • Set up savings goals and track your progress • Manage your daily payment limits Log in effortlessly and securely • Choose from either PIN, pattern or Touch ID and Face ID to log in • See when you last logged in for peace of mind Make payments on the move • Transfer between your own accounts • Instantly transfer to any Australian bank account with Osko • Pay bills with BPAY payments • Use your saved payees and billers for secure and straightforward transfers • Schedule and manage recurring and future-dated payments • Transfer from your loan accounts using our redraw facilities • Approve payments from accounts that have multiple signatories Get all info on all your accounts • Use ‘Quick Balance’ to view your account balance without logging in • View your account details and transaction history • View interest rates for your Savings, Term Deposit and Loan accounts directly in the App • Share or save transaction receipts • Add and delete new payees and billers directly on your phone • View interest charged and earned during the financial year Manage your cards • Put a temporary lock on your lost or stolen card • Activate your new card • Add your card to Apple Wallet • Set a new PIN on your cards • Order replacement cards if your card gets damaged Manage your daily payment limits • View and increase your daily payment limits for each payment type directly in the App • Increase your limit when you need to make a larger payment, then lower it again once you’re done • Make changes anytime, without needing to call or visit a branch Need Help? • Take the inbuilt app tour and discover all you need to know • Request a call from one of our experienced staff • Easily contact us or view our branch details and opening hours • If you’re not already registered with Internet Banking, contact us at 132 067 today Facebook: www.facebook.com/RegionalAustraliaBank X: https://x.com/RegionalAusBank Email: enquiries@regionalaustraliabank.com.au We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.

Screenshots

Unity Bank4 screens
Your Banking4 screens

Verdict

The call

Unity Bank and Your Banking are too close to call on the numbers: across 8 compared parameters — price, review sentiment, update cadence and ads among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

Both ship on a similar rhythm, roughly every 5 months. The most recent releases landed on September 21, 2026 and September 22, 2026 respectively.

ScorecardNo meaningful differences
Unity Bank versus Your Banking: the parameters behind the verdict, then further details
ParameterUnity BankYour Banking
PriceFreeFree
Positive reviews16.7% of reviews16.7% of reviews
Update frequencyEvery 5 monthsEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size111 MB109 MB
Age rating4+4+
DeveloperUnity Bank LtdRegional Australia Bank Ltd

Customer experience

Unity Bank

Written reviews6 reviews
Positive16.7%
Neutral16.7%
Negative66.7%

Your Banking

Written reviews36 reviews
Positive16.7%
Neutral8.3%
Negative75.0%

In-app purchases

None

Unity Bank

No in-app purchases

None

Your Banking

No in-app purchases

Questions

Is Unity Bank free?
Unity Bank is free to download, with no in-app purchases.
Is Your Banking free?
Your Banking is free to download, with no in-app purchases.
Do Unity Bank or Your Banking have ads?
Neither Unity Bank nor Your Banking shows ads.
Which is updated more often, Unity Bank or Your Banking?
Unity Bank ships an update every 5 months, and Your Banking every 5 months. Most recently, Unity Bank was updated on September 21, 2026 and Your Banking on September 22, 2026.

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