Comparison

ANZ Digital Key vs Smartly

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

Smartly

This app allows employees to manage their payroll information, including viewing payslips, applying for leave, and submitting timesheets. Employers must set up employee accounts for access. It simplifies payroll management for both employees and businesses.

Highlights
  • View payslips
  • Apply for leave
  • Submit timesheets
  • Track leave balances
  • Assign hours to jobs
  • Email PDF payslips
Features
Read full description

The Smartly mobile app is for employees who work for a business that uses Smartly to manage their payroll. As an employee you can check your pay history and apply for leave as well as submit timesheets. To login, your employer needs to set you up in the payroll site and give you your username. You’ll then get an email to create your password and you’ll be good to go! FEATURES Pay details - View your payslips (up to 3 months). - Email yourself a PDF version of your payslip. - See a countdown to your next pay. Managing leave requests - Apply for leave (including special leave types). - View any upcoming leave, plus leave history and balances. - Managers can add, edit, approveor decline leave requests for their team. - View future leave balances when applying for leave. Submitting timesheets - Enter time and rate per hour. - Create multiple time entries for each day. - Managers can add, edit, approve or decline time for their team. - Remembers the last timesheet entry and prefills the same hours. - Copy a previous weeks timesheet to save time. Labour costing - Assign hours worked to different jobs or departments. ABOUT SMARTLY We know that payroll can be a headache. So, at Smartly we make it simple for businesses to pay their people on time, accurately and in-line with regulation. Faff-free payroll, happy staff, no headaches. Too easy!

Screenshots

ANZ Digital Key4 screens
Smartly4 screens

Verdict

The call

The clearest difference is rating: Smartly at 4.8 against ANZ Digital Key's 4.0. Smartly also leads on update cadence (monthly vs every 5 months) and ratings volume (35 vs 4). 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.

ReceptionRating · Positive reviews · Number of ratings

Smartly holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Smartly has 35 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 25% of ANZ Digital Key's written reviews are positive against 32% of Smartly's.

UpkeepUpdate frequency

ANZ Digital Key ships an update every 5 months, Smartly monthly. The most recent releases landed on September 10, 2026 and September 21, 2026 respectively.

Scorecard3 real differences · 7 level
ANZ Digital Key versus Smartly: the parameters behind the verdict, then further details
ParameterANZ Digital KeySmartly
PriceFreeFree
Rating4.0 (4 ratings)4.8 (35 ratings) — better
Positive reviews25.0% of reviews31.9% of reviews — better
Number of ratings435 — better
Update frequencyEvery 5 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.415.1 — better
Further details — not scored
Size55 MB24 MB
Age rating4+4+
DeveloperANZ Banking Group LimitedSmartPayroll

Customer experience

ANZ Digital Key

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

Smartly

All ratings35 ratings
Positive97.1%
Neutral0.0%
Negative2.9%
Written reviews69 reviews
Positive31.9%
Neutral14.5%
Negative53.6%

Bugs and requests

ANZ Digital Key

Not enough reviews yet to summarise bugs or requests.

Smartly

Reported bugs

39 issues
  • Notifications don't work
  • App size increased
  • Biometrics enrollment repeated
  • Password reset issues
  • Login button unresponsive
Show 34 more
  • Keeps logging out
  • App crashes or freezes
  • Date selection hard
  • App crashes or freezes regularly
  • Issues with shifts past midnight
  • Cannot log in
  • App freezes when adding timesheet
  • Timesheet tab buffering
  • App doesn't function
  • Cannot approve timesheets
  • Randomly logs out users
  • App crashes every fortnight
  • Slow to respond to taps
  • App freezes on loading screen
  • Cannot add timesheet when logged in
  • Timesheet tab buffering and error
  • App won't function
  • Cannot approve timesheets
  • Randomly logs out
  • App crashes every fortnight
  • Slow to respond
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen
  • Login issues
  • App doesn't remember login
  • Constant lag and freezing
  • Screens don't allow scrolling
  • New timesheet layout doesn't let you copy hours
  • App needs to be repeatedly reinstalled
  • App doesn't open
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen

Requested features

10 requests
  • Ability to put in start time without finish time
  • Reminder for missing finish time
  • More detailed app
  • Web portal access for employees
  • Ability to handle working past midnight without two entries
Show 5 more
  • Export staff on leave to Outlook calendar
  • Ability to put time to time in lieu
  • Previous week preloaded
  • Auto-save start and finish times from previous day
  • Notifications

In-app purchases

None

ANZ Digital Key

No in-app purchases

None

Smartly

No in-app purchases

Questions

Is ANZ Digital Key free?
ANZ Digital Key is free to download, with no in-app purchases.
Is Smartly free?
Smartly is free to download, with no in-app purchases.
Which has better reviews, ANZ Digital Key or Smartly?
Smartly is rated higher. ANZ Digital Key averages 4.0 out of 5 from 4 ratings, while Smartly averages 4.8 from 35 ratings.
Do ANZ Digital Key or Smartly have ads?
Neither ANZ Digital Key nor Smartly shows ads.
Which is updated more often, ANZ Digital Key or Smartly?
ANZ Digital Key ships an update every 5 months, and Smartly monthly. Most recently, ANZ Digital Key was updated on September 10, 2026 and Smartly on September 21, 2026.

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