Comparison

SBS Mobile vs Dosh

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

Head to head
About

SBS Mobile

Manage your finances conveniently and securely with a suite of online banking tools. Access balances, statements, and make transfers anytime, anywhere. Utilize biometric login for quick and safe access to your accounts.

Highlights
  • Secure balance checks without login
  • 24/7 access to balances and statements
  • Face ID/Touch ID login
  • View and schedule payments/transfers
  • Transfer money between accounts
  • Securely transfer money to others
  • Manage investments
Features
Read full description

Manage your money on the move with SBS Bank’s range of online banking tools. SBS Bank App With SBS Bank’s mobile app it’s easy to do your banking on the move. The app gives members another way to manage their money easily and safely. Features: • Securely check your balances without logging in. • Check your balances and statements 24/7. • Use Face ID or Touch ID to login easily. • View upcoming payments, transfers and schedule new ones. • Easily transfer money between accounts. • Securely transfer money to other people. • Manage your investments.

About

Dosh

Manage your money with this app that simplifies spending, saving, and borrowing. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. Set savings goals and earn competitive interest rates.

Highlights
  • Earn Phone Dollars on spending
  • Home loans with Phone Dollar bonus
  • Digital home loan application
  • Earn interest on savings
  • Set and track savings goals
  • Card spending notifications
Features
Read full description

Banking made freak’n easy* Dosh is the Kiwi app that helps you spend, save, and borrow money. Cause life is for living, not banking. *Dosh is not a registered bank. However, your funds are held at a NZ registered bank. EARN PHONE DOLLARS AND GET THE NEW PHONE YOU WANT, FASTER Spend with the One NZ dosh card and earn Phone Dollars on your everyday spend. Take out a home loan with dosh and get a Phone Dollars bonus towards your next phone upgrade. HOME LOANS THAT GIVE BACK Unlock freak’ n great interest rates on a home loan with dosh —powered by Westpac NZ. Whether you're switching your existing home loan or stepping into your new home, dosh makes the process easy and 100% digital. Plus, earn $1,700 Phone Dollars upon settlement so you can get the new phone you want, faster. Your access to hassle-free borrowing starts here. Apply for a home loan with dosh today. SPEND AND EARN PHONE DOLLARS Spend with the One NZ dosh card and earn 1% back Phone Dollars on your eligible everyday spend. Helping you get to your next interest-free phone faster. Pay with Apple Pay, Tap & Go in store or, shop online at any Visa enabled retailer. You’re in control. Set limits or lock your card any time. Plus get notified every time your One NZ dosh card is used. STRIVE TOWARDS YOUR SAVINGS GOALS Earn an epic interest rate on your savings while you grow your balance. Enjoy unlimited withdrawals with no fees or complicated rules. Set your savings goals and track your progress. Funds are held on trust with an AA- registered bank in New Zealand. Fine print You must be 13+ to use Dosh. See our T&Cs in the Privacy Policy. Visit Dosh.nz Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). See terms and conditions at https://www.dosh.nz/terms-conditions. Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply. Dosh home loan reward offer has a minimum loan size of $300,000 and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet

Screenshots

SBS Mobile4 screens
Dosh4 screens

Verdict

The call

The clearest difference is review sentiment: Dosh at 64% against SBS Mobile's 26%. Dosh also leads on update cadence (every 6 weeks vs every 4 months) and iOS requirement (15.0 vs 17.0). 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

SBS Mobile ships an update every 4 months, Dosh every 6 weeks. The most recent releases landed on October 7, 2026 and October 9, 2026 respectively.

Scorecard3 real differences · 7 level
SBS Mobile versus Dosh: the parameters behind the verdict, then further details
ParameterSBS MobileDosh
PriceFreeFree
Rating—3.7 (3 ratings) — better
Positive reviews26.5% of reviews63.5% of reviews — better
Number of ratings—3 — better
Update frequencyEvery 4 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size143 MB116 MB
Age rating4+12+
DeveloperSBS BankMCA Investments Limited

Customer experience

SBS Mobile

Written reviews34 reviews
Positive26.5%
Neutral17.6%
Negative55.9%

Dosh

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews74 reviews
Positive63.5%
Neutral8.1%
Negative28.4%

Bugs and requests

SBS Mobile

Not enough reviews yet to summarise bugs or requests.

Dosh

Reported bugs

7 issues
  • App won't run on two devices
  • App turned black, causing eye strain
  • Login screen freezes
  • Incompatible with older devices
  • Customer service support is lacking
Show 2 more
  • Can't get verified without NZ passport or driver's license
  • Requires driver's license for app use

Requested features

18 requests
  • Support for Apple Pay
  • Ability to reorder accounts
  • Monthly statements to download or email
  • Balance shown after each transaction
  • Username and password login option
Show 13 more
  • Authenticator app option for login
  • Website login option
  • Budgeting tools
  • Spending graphs
  • Bank card option for topping up
  • Paid plan for higher cashback limit
  • Faster bank transfers
  • Option to use for Afterpay payments
  • Personalize main account (name and color)
  • Pre-save bank accounts for easier deposit
  • Option to use overseas with clear fees
  • More inclusive verification options for immigrants
  • Fix voiceover issues

In-app purchases

None

SBS Mobile

No in-app purchases

None

Dosh

No in-app purchases

Questions

Is SBS Mobile free?
SBS Mobile is free to download, with no in-app purchases.
Is Dosh free?
Dosh is free to download, with no in-app purchases.
Do SBS Mobile or Dosh have ads?
Neither SBS Mobile nor Dosh shows ads.
Which is updated more often, SBS Mobile or Dosh?
SBS Mobile ships an update every 4 months, and Dosh every 6 weeks. Most recently, SBS Mobile was updated on October 7, 2026 and Dosh on October 9, 2026.

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