Comparison

Latitude App 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

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

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

Latitude App4 screens
Macquarie Authenticator3 screens

Verdict

The call

The clearest difference is rating: Latitude App at 4.6 against Macquarie Authenticator's 3.0. Latitude App also leads on review sentiment (49% vs 15%) and ratings volume (162 vs 2). On price, update cadence, 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

Latitude App holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: Latitude App has 162 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 49% of Latitude App's written reviews are positive against 15% of Macquarie Authenticator's.

UpkeepUpdate frequency

Latitude App ships an update fortnightly, Macquarie Authenticator every 4 weeks. The most recent releases landed on September 24, 2026 and September 26, 2026 respectively.

Scorecard3 real differences · 7 level
Latitude App versus Macquarie Authenticator: the parameters behind the verdict, then further details
ParameterLatitude AppMacquarie Authenticator
PriceFreeFree
Rating4.6 (162 ratings) — better3.0 (2 ratings)
Positive reviews49.2% of reviews — better14.8% of reviews
Number of ratings162 — better2
Update frequencyFortnightly — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS1616.0
Further details — not scored
Size198 MB185 MB
Age rating4+4+
DeveloperLatitude Financial Services Australia Holdings Pty LtdMacquarie Bank Limited

Customer experience

Latitude App

All ratings162 ratings
Positive91.4%
Neutral1.9%
Negative6.8%
Written reviews372 reviews
Positive49.2%
Neutral8.9%
Negative41.9%

Macquarie Authenticator

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

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

Macquarie Authenticator

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Latitude App

No in-app purchases

None

Macquarie Authenticator

No in-app purchases

Questions

Is Latitude App free?
Latitude App 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, Latitude App or Macquarie Authenticator?
Latitude App is rated higher. Latitude App averages 4.6 out of 5 from 162 ratings, while Macquarie Authenticator averages 3.0 from 2 ratings.
Do Latitude App or Macquarie Authenticator have ads?
Neither Latitude App nor Macquarie Authenticator shows ads.
Which is updated more often, Latitude App or Macquarie Authenticator?
Latitude App ships an update fortnightly, and Macquarie Authenticator every 4 weeks. Most recently, Latitude App was updated on September 24, 2026 and Macquarie Authenticator on September 26, 2026.

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