Comparison

SmartCard eIM vs Westpac One

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

Head to head
About

SmartCard eIM

Manage your finances on the go with this app. Activate cards, check balances, view transactions, pay bills, and control payment limits. Securely block or replace lost cards and manage account alerts.

Highlights
  • Card activation
  • Account balance check
  • Transaction history
  • Bill payments (BPAY)
  • Payment limit adjustment
  • Card blocking/replacement
  • Account alerts management
Features
Read full description

The SmartCard eIM App is designed to help you manage your money when it suits you. You can: •         Activate your card •         Check your account balance •         Access to your account information •         Search recent and past transactions •         Pay your bills using BPAY • Making payment to another eIM account • Change the daily payment limit •         Block and replace your lost/stolen card •         Temporarily turn your card off/on •         View and download statements •         Manage your alerts

About

Westpac One

This app provides enhanced security for online banking by generating one-time passcodes for multi-factor authentication. It allows linking multiple profiles and offers personalized sign-in options like biometrics or a PIN for convenient access on your mobile device.

Highlights
  • One-time passcode generation
  • Multi-factor authentication
  • Multiple profile linking
  • Biometric or PIN sign-in
  • Portable mobile security
Read full description

Secure your online banking with the Westpac One eToken app. Designed to be used in place of the RSA SecurID token, eToken securely authenticates your identity with a timed one-time passcode (OTP). Features: Enhanced security – OTPs for multi-factor authentication to provide an extra layer of security. Multiple profile linking – If you have more than one profile, you can link them all to one eToken. Personalised access – Set up your biometrics or a 6-digit PIN to safely and easily sign in to the app. Portable protection – eToken is conveniently with you on your mobile device when you need it. Activation of this app is by invitation only. If your organisation was not invited by Westpac to install the app, it may not work as intended. For information, contact your Administrator or call Corporate Help Desk on 1300 134 291 if you are in Australia, and (+61 2) 9155 7737 if you are overseas. This app requires iOS 16.0 or later. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. The Westpac Group, 275 Kent Street, Sydney, NSW 2000, AUSTRALIA.

Screenshots

SmartCard eIM2 screens
Westpac One4 screens

Verdict

The call

The clearest difference is review sentiment: Westpac One at 50% against SmartCard eIM's 0%. Westpac One also leads on update cadence (every 2 months vs every 5 months). SmartCard eIM's advantage is iOS requirement (11.0 vs 16.0). On price, ads, in-app purchases and monetization model 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

SmartCard eIM ships an update every 5 months, Westpac One every 2 months. The most recent releases landed on August 5, 2026 and September 5, 2026 respectively.

Scorecard3 real differences · 7 level
SmartCard eIM versus Westpac One: the parameters behind the verdict, then further details
ParameterSmartCard eIMWestpac One
PriceFreeFree
Rating1.0 (1 ratings) — better—
Positive reviews0.0% of reviews50.0% of reviews — better
Number of ratings1 — better—
Update frequencyEvery 5 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS11.0 — better16.0
Further details — not scored
Size8 MB45 MB
Age rating17+17+
DeveloperIndueWestpac Banking Corporation

Customer experience

SmartCard eIM

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews15 reviews
Positive0.0%
Neutral6.7%
Negative93.3%

Westpac One

Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

SmartCard eIM

No in-app purchases

None

Westpac One

No in-app purchases

Questions

Is SmartCard eIM free?
SmartCard eIM is free to download, with no in-app purchases.
Is Westpac One free?
Westpac One is free to download, with no in-app purchases.
Do SmartCard eIM or Westpac One have ads?
Neither SmartCard eIM nor Westpac One shows ads.
Which is updated more often, SmartCard eIM or Westpac One?
SmartCard eIM ships an update every 5 months, and Westpac One every 2 months. Most recently, SmartCard eIM was updated on August 5, 2026 and Westpac One on September 5, 2026.

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