# ANZ Transactive vs Smartly

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.

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

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.

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

## The numbers

| Metric | ANZ Transactive | Smartly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (7 ratings)](https://appshunter.io/ios/app/anz-transactive-global/id1404684767/reviews) | **[4.8 (35 ratings)](https://appshunter.io/ios/app/smartly/id1590031328/reviews)** |
| Number of ratings | 7 | **35** |
| Positive reviews | 23.1% of reviews | **31.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 51 MB | 24 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ANZ Banking Group Limited](https://appshunter.io/developer/351748977) | [SmartPayroll](https://appshunter.io/developer/975779688) |

## What reviewers say

### ANZ Transactive

[App page](https://appshunter.io/ios/app/anz-transactive-global/id1404684767)

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)

**In-app purchases:** none


### Smartly

[App page](https://appshunter.io/ios/app/smartly/id1590031328)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Intuitive design
- 👍 Straightforward
- 👍 Good for tracking shifts
- 👍 Great for employees

**What reviewers complain about**

- 🐛 Constantly logs out
- 🐛 Frequent login issues
- 🐛 App crashes/freezes
- 🐛 Slow performance
- 🐛 Poor accessibility

**Reported bugs**

- Notifications don't work
- App size increased
- Biometrics enrollment repeated
- Password reset issues
- Login button unresponsive

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*