Latitude App vs Macquarie Authenticator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Latitude App | Macquarie Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (162 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 49.2% of reviews — better | 14.8% of reviews |
| Number of ratings | 162 — better | 2 |
| Update frequency | Fortnightly — better | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 16 | 16.0 |
| Further details — not scored | ||
| Size | 198 MB | 185 MB |
| Age rating | 4+ | 4+ |
| Developer | Latitude Financial Services Australia Holdings Pty Ltd | Macquarie Bank Limited |
Customer experience
Latitude App
Macquarie Authenticator
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
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- Simplify the app interface and navigation
Macquarie Authenticator
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Latitude App
No in-app purchases
Macquarie Authenticator
No in-app purchases
Questions
Is Latitude App free?
Is Macquarie Authenticator free?
Which has better reviews, Latitude App or Macquarie Authenticator?
Do Latitude App or Macquarie Authenticator have ads?
Which is updated more often, Latitude App or Macquarie Authenticator?
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