Comparison

Latitude App vs MLC

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

Head to head
About

Latitude App

Manage all your credit card accounts and finances in one secure mobile application. Access balances, view transactions, lock your card, and track spending. Offers promotions, rewards, and in-app messaging for a comprehensive financial overview.

Highlights
  • Access accounts with Touch ID/Face ID
  • Add card to Apple Wallet
  • Temporarily lock your card
  • View balances and transactions
  • Track spending
  • Receive push notifications
  • In-app messaging
Features
Read full description

Latitude’s mobile app brings all your finances together in one place. We’re always listening to your feedback and building the app around what matters to you. Credit card features currently include: • Access accounts with Touch ID or Face ID • Add your card to your Apple wallet • Temporarily lock your card • Fast access to all balances • View your statements • Check payment due date • View all transaction information • View and change personal details • Activate your new card • Set or change card PIN • Set up direct debit (Australia only) • Pay by bank transfer (Australia only) • Request a refund (Australia only) • Request a letter • Request account closure • Create a balance transfer • Receive push notifications • Track your spending • Split your credit limit (eligible customers only) • Add an additional card holder • Click to pay Other app features: • View our latest promotions • In app messaging • Receive digital letters • Enhanced secure login • Enhanced homepage • Spend Tracker (Latitude 28 Degrees Global Platinum Mastercard - New customers only) • Rewards with offers, discounts and perks You can view all the products below from your Latitude App: Australia products: • Latitude Gem Visa • Latitude GO Mastercard & GO Platinum Mastercard • Apple Financial Services (AFS) CreditLine • Latitude 28 Degrees Global Platinum Mastercard • Latitude Low Rate Mastercard • Latitude Infinity Rewards Visa • David Jones Premiere, Prestige and Icon Mastercard • Latitude Eco Mastercard • Latitude Mastercard • Care Credit • CreditLine • Buyer's Edge Gem Finance New Zealand products: • Gem Visa • Gem Essentials • Gem CreditLine

About

MLC

Manage your superannuation, pension, or investment accounts with ease. Securely access your balances, view transactions, update personal details, and track contributions. Find and consolidate lost super, and get notified of payments.

Highlights
  • View account balances
  • Secure login (PIN, Touch ID, Face ID)
  • Check transactions and beneficiaries
  • Review insurance cover
  • Track super contributions
  • Find and consolidate super
  • Update personal details
Features
Read full description

With the MLC app you can: • View your MLC MasterKey super, pension, or investment balances—quickly and simply. • Get secure and easy access, using a PIN, Touch ID or Face ID (only available on compatible devices). • Check transactions, nominated beneficiaries, and your current mix of investment options. • Get notified when you receive a super payment. • Review insurance cover within your super account. • Keep an eye on your super contributions. • Find and consolidate your super. • View your regular investments and withdrawals, distributions, transactions and investment options in your MasterKey investment account. • Update your personal details. • View our super fund details such as our Fund ABN, Product USI, address, and complying fund statement. • Use the app to easily send your super account details to your employer when you change jobs. • View your balance over financial years as a handy, interactive graph. • Get easy access to help and support within the app. Already have MLC online access? Download the app now. You'll need to be registered for MLC online access. Not registered? Simply go to mlc.com.au or call us on 132 652. Please note: • The app doesn’t include information on MLC Wrap, MLC Navigator or products such as standalone insurance. • This app isn’t intended for use by financial advisers.

Screenshots

Latitude App4 screens
MLC4 screens

Verdict

The call

The clearest difference is update cadence: Latitude App at fortnightly against MLC's every 2 months. Latitude App also leads on review sentiment (49% vs 30%). 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

Latitude App ships an update fortnightly, MLC every 2 months. Both last shipped on October 29, 2026.

Scorecard2 real differences · 8 level
Latitude App versus MLC: the parameters behind the verdict, then further details
ParameterLatitude AppMLC
PriceFreeFree
Rating4.6 (162 ratings) — better—
Positive reviews48.5% of reviews — better30.2% of reviews
Number of ratings162 — better—
Update frequencyFortnightly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS1615.1 — better
Further details — not scored
Size200 MB49 MB
Age rating4+4+
DeveloperLatitude Financial Services Australia Holdings Pty LtdIOOF Service Co Pty Ltd

Customer experience

Latitude App

All ratings162 ratings
Positive91.4%
Neutral1.9%
Negative6.8%
Written reviews377 reviews
Positive48.5%
Neutral8.8%
Negative42.7%

MLC

Written reviews43 reviews
Positive30.2%
Neutral18.6%
Negative51.2%

User reviews

Latitude App

From 162 App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 User-friendly app
  • 🚀 Convenient for payments
  • 👍 Great customer service
  • 🚀 Efficient and straightforward

Room to improve

  • 🐛 App crashes or doesn't work
  • 🐛 Login issues
  • 🐛 Unreliable app
  • 💰 Excessive fees and charges
  • 🐛 Delayed transaction updates

MLC

From App Store reviews

What we love

  • 👍 Easy to use
  • 👍 Great for checking balance
  • 👍 Simple and convenient
  • 👍 Access super 24/7
  • 👍 Face recognition login works (sometimes)

Room to improve

  • 🐛 Login button not working
  • 🐛 App crashes frequently
  • 🐛 Face ID issues
  • 🐛 No keyboard presented for login
  • 🐛 App stuck on login page

Bugs and requests

Latitude App

Reported bugs

4 issues
  • App crashes after update
  • Unable to log in or create account
  • Delayed or missing transaction updates
  • Inability to make payments or access account

Requested features

6 requests
  • Allow users to select which purchase to apply payments to
  • Provide notifications for upcoming payments
  • Add ability to lock/unlock card within the app
  • Show full transaction details and breakdown
  • Improve app stability and reliability
Show 1 more
  • Simplify the app interface and navigation

MLC

Reported bugs

11 issues
  • Login button does not work
  • App crashes
  • Face ID/Face recognition signing in issues
  • App stuck on login page
  • Update does not work
Show 6 more
  • Keyboard not presented for login
  • Back button not working
  • White screen on launch
  • Cannot accept terms and conditions
  • App cycles to App Store after update
  • Login details incorrect despite website working

Requested features

11 requests
  • Include rate of return for previous and current year
  • Show balance after every transaction
  • Option to view data by calendar year
  • Add graphs for visualization
  • Manage investments from the app
Show 6 more
  • Improve UI color scheme
  • Add more features like changing portfolio and insurance numbers
  • Update login photo
  • Allow online withdrawal of funds
  • Face recognition login on every login
  • App rotation and better iPad screen utilization

In-app purchases

None

Latitude App

No in-app purchases

None

MLC

No in-app purchases

Questions

Is Latitude App free?
Latitude App is free to download, with no in-app purchases.
Is MLC free?
MLC is free to download, with no in-app purchases.
Do Latitude App or MLC have ads?
Neither Latitude App nor MLC shows ads.
Which is updated more often, Latitude App or MLC?
Latitude App ships an update fortnightly, and MLC every 2 months. Most recently, Latitude App was updated on October 29, 2026 and MLC on October 29, 2026.

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