Comparison

ANZ Transactive vs Smartly

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

Head to head
About

ANZ Transactive

Access corporate banking features for payments and trade on the go. Manage cash, view transactions, and approve requests securely with multi-factor authentication and biometric login.

Highlights
  • Secure multi-factor authentication
  • Real-time account balance viewing
  • Transaction history and details
  • Approve/reject transactions
  • Dynamic FX rates
  • Biometric login (Touch/Face ID)
Read full description

The ANZ Transactive – Global mobile app is a corporate mobile banking solution allowing clients access to the payments and trade functionality within ANZ Transactive – Global. The Mobile app offers a simple, convenient and secure mobile banking experience, allowing greater visibility and control of your core cash management and trade activities across Australia, New Zealand and parts of Asia and the Pacific. Compatible with iPhone* and iPad* mobile digital devices, ANZ Transactive – Global provides a range of features: • Utilise the same security credentials and permissions as your web-based ANZ Transactive – Global solution • Transact securely with multi-factor authentication technology combined with lock-out and time-out safeguards • View real-time account balances • View current and prior day account transactions • View Transaction details (Payments/Receivables), including funding and beneficiary/payer details, amounts, value date and audit history • View Loan facilities, including loan summary details, interest cycles and fees • View Commercial Cards, including Billing Entity details, Card/Transaction details • Approve and reject transactions (Payments/Receivables/Trade Instruments) • Obtain a dynamic FX rate for cross currency payments • View the status of Payments (including International Payment Tracking), Receivables and Trade transactions for up to 30 days • Use biometric technology to access the app via Touch/Face ID for iOS • For Australia User that requires operator assistance, user can be digitally identified and verified through ‘Contact Us’ feature ANZ Transactive - Global is provided in Australia, New Zealand, Cook Islands, Fiji, Hong Kong, India, Indonesia, Japan, Kiribati, Laos, Papua New Guinea, Philippines, Samoa, Singapore, Solomon Islands, Timor Leste, Tonga, United Kingdom, United States, Vanuatu and Vietnam by Australia and New Zealand Banking Group Limited (ACN 005 357 522) (“ANZ”) and not Apple Inc. Some product features may not be available in all countries * iPhone and iPad is a trademark of Apple Inc.

About

Smartly

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
Read full description

The Smartly mobile app is for employees who work for a business that uses Smartly to manage their payroll. As an employee you can check your pay history and apply for leave as well as submit timesheets. To login, your employer needs to set you up in the payroll site and give you your username. You’ll then get an email to create your password and you’ll be good to go! FEATURES Pay details - View your payslips (up to 3 months). - Email yourself a PDF version of your payslip. - See a countdown to your next pay. Managing leave requests - Apply for leave (including special leave types). - View any upcoming leave, plus leave history and balances. - Managers can add, edit, approveor decline leave requests for their team. - View future leave balances when applying for leave. Submitting timesheets - Enter time and rate per hour. - Create multiple time entries for each day. - Managers can add, edit, approve or decline time for their team. - Remembers the last timesheet entry and prefills the same hours. - Copy a previous weeks timesheet to save time. Labour costing - Assign hours worked to different jobs or departments. ABOUT SMARTLY We know that payroll can be a headache. So, at Smartly we make it simple for businesses to pay their people on time, accurately and in-line with regulation. Faff-free payroll, happy staff, no headaches. Too easy!

Screenshots

ANZ Transactive4 screens
Smartly4 screens

Verdict

The call

The clearest difference is rating: Smartly at 4.8 against ANZ Transactive's 2.7. Smartly also leads on update cadence (monthly vs every 3 months) and review sentiment (32% vs 23%). 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.

ReceptionRating · Positive reviews · Number of ratings

Smartly holds the better App Store score, 4.8 against 2.7. That said, the two scores are not equally well evidenced: Smartly has 35 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 23% of ANZ Transactive's written reviews are positive against 32% of Smartly's.

UpkeepUpdate frequency

ANZ Transactive ships an update every 3 months, Smartly monthly. The most recent releases landed on September 10, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
ANZ Transactive versus Smartly: the parameters behind the verdict, then further details
ParameterANZ TransactiveSmartly
PriceFreeFree
Rating2.7 (7 ratings)4.8 (35 ratings) — better
Positive reviews23.1% of reviews31.9% of reviews — better
Number of ratings735 — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.1 — better
Further details — not scored
Size51 MB24 MB
Age rating4+4+
DeveloperANZ Banking Group LimitedSmartPayroll

Customer experience

ANZ Transactive

All ratings7 ratings
Positive28.6%
Neutral14.3%
Negative57.1%
Written reviews13 reviews
Positive23.1%
Neutral0.0%
Negative76.9%

Smartly

All ratings35 ratings
Positive97.1%
Neutral0.0%
Negative2.9%
Written reviews69 reviews
Positive31.9%
Neutral14.5%
Negative53.6%

Bugs and requests

ANZ Transactive

Not enough reviews yet to summarise bugs or requests.

Smartly

Reported bugs

39 issues
  • Notifications don't work
  • App size increased
  • Biometrics enrollment repeated
  • Password reset issues
  • Login button unresponsive
Show 34 more
  • Keeps logging out
  • App crashes or freezes
  • Date selection hard
  • App crashes or freezes regularly
  • Issues with shifts past midnight
  • Cannot log in
  • App freezes when adding timesheet
  • Timesheet tab buffering
  • App doesn't function
  • Cannot approve timesheets
  • Randomly logs out users
  • App crashes every fortnight
  • Slow to respond to taps
  • App freezes on loading screen
  • Cannot add timesheet when logged in
  • Timesheet tab buffering and error
  • App won't function
  • Cannot approve timesheets
  • Randomly logs out
  • App crashes every fortnight
  • Slow to respond
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen
  • Login issues
  • App doesn't remember login
  • Constant lag and freezing
  • Screens don't allow scrolling
  • New timesheet layout doesn't let you copy hours
  • App needs to be repeatedly reinstalled
  • App doesn't open
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen

Requested features

10 requests
  • 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
Show 5 more
  • Export staff on leave to Outlook calendar
  • Ability to put time to time in lieu
  • Previous week preloaded
  • Auto-save start and finish times from previous day
  • Notifications

In-app purchases

None

ANZ Transactive

No in-app purchases

None

Smartly

No in-app purchases

Questions

Is ANZ Transactive free?
ANZ Transactive 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 Transactive or Smartly?
Smartly is rated higher. ANZ Transactive averages 2.7 out of 5 from 7 ratings, while Smartly averages 4.8 from 35 ratings.
Do ANZ Transactive or Smartly have ads?
Neither ANZ Transactive nor Smartly shows ads.
Which is updated more often, ANZ Transactive or Smartly?
ANZ Transactive ships an update every 3 months, and Smartly monthly. Most recently, ANZ Transactive was updated on September 10, 2026 and Smartly on September 21, 2026.

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