Comparison

ANZ Digital Key vs Macquarie Authenticator

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

Head to head
About

ANZ Digital Key

Securely log in and approve transactions for specific ANZ digital channels using biometric authentication or a PIN. This free app offers a faster and more convenient way to manage your banking securely.

Highlights
  • Biometric login (Face ID, Fingerprint ID)
  • PIN authentication
  • Secure transaction approval
  • Faster banking access
  • Enhanced channel security
Read full description

At ANZ we’re committed to helping you bank simply, safely, securely and conveniently. ANZ Digital Key (ADK) allows you to log on and perform approval activities via Face ID, Fingerprint ID or a PIN in certain ANZ Digital Channels. It enhances the channel security capabilities, providing a free, faster and more convenient method for customers to securely transact with ANZ. For customers completing ANZ's identity verification (eKYC) process, ANZ Digital Key may be used to securely read the microchip in supported ePassports using your phone's NFC (Near-Field Communication) capability. ADK is applicable to specific ANZ customers and ANZ Digital Channels. Please note: 1. To use this app: a) Your ANZ Digital Services User ID must be authorised to use ADK. b) Your device must be running iOS 16.4 or later. 2. It is advisable to have protective software, such as antivirus, installed on your device for security purposes. 3. ADK may require access to the following device resources: a) Camera - For scanning QR codes and enabling Face ID. b) Biometrics - For Fingerprint ID or Face ID. c) Notifications - To receive push notifications. d) NFC - To securely read the microchip in supported ePassports when completing ANZ's identity verification (eKYC) process. For further information about staying safe when banking online, visit http://www.anz.com/onlinesecurity. For further information about ANZ Digital Key, please contact your ANZ representative. Customer service contact details can also be found at http://anz.com/servicecentres. ANZ Digital Key is provided by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ("ANZBGL"). iPhone and iPad are trademarks of Apple Inc.

About

Macquarie Authenticator

Enhance your account security with this app, offering push notifications for transaction approval or denial and generating one-time passcodes for authentication. It provides a faster, more secure alternative to SMS, especially when traveling internationally.

Highlights
  • Push notifications for transaction approval/denial
  • Generate one-time rolling codes
  • Offline authentication with rolling codes
  • Manage pending tasks
  • PIN, fingerprint, and facial recognition unlock
Features
Read full description

Protect your Macquarie account with Macquarie Authenticator. Our two-factor authentication app is designed to maximise your security, while also providing a beautiful banking experience.​ Separate security, seamless experience Macquarie Authenticator works seamlessly with the Macquarie Mobile Banking app. Approve or deny requests in an instant, directly through your notifications, for stronger security that feels like a single, seamless flow. More secure than SMS  Unlike with SMS, you can see exactly what you’re approving. We send detailed alerts directly to your secure app, not your phone number. You’re in control Verify important transaction details upfront, such as the amount, recipient and location, so you can approve or deny transactions with confidence.

Screenshots

ANZ Digital Key4 screens
Macquarie Authenticator3 screens

Verdict

The call

The clearest difference is rating: ANZ Digital Key at 4.0 against Macquarie Authenticator's 3.0. ANZ Digital Key also leads on review sentiment (25% vs 15%). Macquarie Authenticator's advantage is update cadence (every 3 weeks vs every 5 months). On price, ratings volume, 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.

ReceptionRating · Positive reviews · Number of ratings

ANZ Digital Key holds the better App Store score, 4.0 against 3.0. Both are backed by a comparable volume of ratings — 4 and 2 respectively. Written reviews point the same way: 25% of ANZ Digital Key's written reviews are positive against 15% of Macquarie Authenticator's.

UpkeepUpdate frequency

ANZ Digital Key ships an update every 5 months, Macquarie Authenticator every 3 weeks. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.

Scorecard3 real differences · 7 level
ANZ Digital Key versus Macquarie Authenticator: the parameters behind the verdict, then further details
ParameterANZ Digital KeyMacquarie Authenticator
PriceFreeFree
Rating4.0 (4 ratings) — better3.0 (2 ratings)
Positive reviews25.0% of reviews — better14.8% of reviews
Number of ratings4 — better2
Update frequencyEvery 5 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad — better
Requires iOS16.416.0 — better
Further details — not scored
Size55 MB220 MB
Age rating4+4+
DeveloperANZ Banking Group LimitedMacquarie Bank Limited

Customer experience

ANZ Digital Key

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews4 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

Macquarie Authenticator

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews108 reviews
Positive14.8%
Neutral4.6%
Negative80.6%

In-app purchases

None

ANZ Digital Key

No in-app purchases

None

Macquarie Authenticator

No in-app purchases

Questions

Is ANZ Digital Key free?
ANZ Digital Key is free to download, with no in-app purchases.
Is Macquarie Authenticator free?
Macquarie Authenticator is free to download, with no in-app purchases.
Which has better reviews, ANZ Digital Key or Macquarie Authenticator?
ANZ Digital Key is rated higher. ANZ Digital Key averages 4.0 out of 5 from 4 ratings, while Macquarie Authenticator averages 3.0 from 2 ratings.
Do ANZ Digital Key or Macquarie Authenticator have ads?
Neither ANZ Digital Key nor Macquarie Authenticator shows ads.
Which is updated more often, ANZ Digital Key or Macquarie Authenticator?
ANZ Digital Key ships an update every 5 months, and Macquarie Authenticator every 3 weeks. Most recently, ANZ Digital Key was updated on October 15, 2026 and Macquarie Authenticator on October 17, 2026.

Other comparisons