# ANZ Digital Key vs Smartly

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | ANZ Digital Key | Smartly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (4 ratings)](https://appshunter.io/ios/app/anz-digital-key/id1352218608/reviews) | **[4.8 (35 ratings)](https://appshunter.io/ios/app/smartly/id1590031328/reviews)** |
| Number of ratings | 4 | **35** |
| Positive reviews | 25.0% of reviews | **31.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Size | 55 MB | 24 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [ANZ Banking Group Limited](https://appshunter.io/developer/351748977) | [SmartPayroll](https://appshunter.io/developer/975779688) |

## What reviewers say

### ANZ Digital Key

[App page](https://appshunter.io/ios/app/anz-digital-key/id1352218608)

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

**In-app purchases:** none


### Smartly

[App page](https://appshunter.io/ios/app/smartly/id1590031328)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Intuitive design
- 👍 Straightforward
- 👍 Good for tracking shifts
- 👍 Great for employees

**What reviewers complain about**

- 🐛 Constantly logs out
- 🐛 Frequent login issues
- 🐛 App crashes/freezes
- 🐛 Slow performance
- 🐛 Poor accessibility

**Reported bugs**

- Notifications don't work
- App size increased
- Biometrics enrollment repeated
- Password reset issues
- Login button unresponsive

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*