# Beem vs Macquarie Authenticator

The clearest difference is review sentiment: Beem at 58% against Macquarie Authenticator's 15%. Beem also leads on rating (4.7 vs 3.0) and ratings volume (152 vs 2). Macquarie Authenticator's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and device support there is nothing between them.

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

Beem holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: Beem has 152 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 58% of Beem's written reviews are positive against 15% of Macquarie Authenticator's.

Beem ships an update every 2 months, Macquarie Authenticator every 3 weeks. Both last shipped on October 17, 2026.

## The numbers

| Metric | Beem | Macquarie Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (152 ratings)](https://appshunter.io/ios/app/beem-digital-wallet/id1363864739/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews) |
| Number of ratings | **152** | 2 |
| Positive reviews | **57.6% of reviews** | 14.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 98 MB | 220 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Beem It](https://appshunter.io/developer/1363864738) | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) |

## What reviewers say

### Beem

[App page](https://appshunter.io/ios/app/beem-digital-wallet/id1363864739)

Manage your money, split bills, and earn rewards all in one secure digital wallet. Pay, request, and transfer funds easily with contacts, and store loyalty and gift cards. Offers cashback and integrated BPAY for bill payments.

**Highlights:** Send and request money, Split bills with contacts, Earn cashback rewards, Store loyalty cards, Integrated BPAY for bills, Send digital gift cards

**Features:** Siri integration, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy payments
- 💳 Convenient for splitting bills and expenses
- 🤝 Great for friend groups and co-living
- 💰 No bank fees for transfers
- 🤖 Simple and intuitive interface

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Overly strict verification process
- 🔄 Repeated security checks for payments
- 💳 Issues with adding and verifying cards
- 🤔 Unclear expense splitting calculations

**Reported bugs**

- App not loading or freezing after updates
- Payments not showing up or getting lost
- Inability to remove or change linked cards
- Account verification issues and lockouts
- Loyalty card feature not functioning properly

**Requested features**

- Add search function to find past transactions
- Allow admins to close payment groups
- Integrate receipt/bill upload for expenses
- Provide option to change payment split ratios
- Add support for international users and cards


### Macquarie Authenticator

[App page](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Beem free?

Beem 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, Beem or Macquarie Authenticator?

Beem is rated higher. Beem averages 4.7 out of 5 from 152 ratings, while Macquarie Authenticator averages 3.0 from 2 ratings.

### Do Beem or Macquarie Authenticator have ads?

Neither Beem nor Macquarie Authenticator shows ads.

### Which is updated more often, Beem or Macquarie Authenticator?

Beem ships an update every 2 months, and Macquarie Authenticator every 3 weeks. Most recently, Beem was updated on October 17, 2026 and Macquarie Authenticator on October 17, 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.*