Comparison

MLC vs UniSuper

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

Head to head
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.

About

UniSuper

Manage your retirement savings and investments conveniently from your mobile device. Track your balance, make contributions, view investment performance, and update your personal and insurance details.

Highlights
  • Check super balance and contributions
  • Make extra contributions
  • View investment returns and options
  • Manage retirement income payments
  • Review insurance cover
  • Update personal details
  • Download statements
Features
Read full description

Use the app to: • Check your current super balance and recent contributions • Make extra contributions to boost your retirement income • View your investment returns and options • View your recent and upcoming retirement income payments • Change your retirement income details • Review or change your insurance cover • Update your personal details • View and download your statements … and more. Getting started with the app Members already registered for online access, can use their existing details to log in to the app. For new members not yet registered, download the app to sign up.

Screenshots

MLC4 screens
UniSuper4 screens

Verdict

The call

The clearest difference is review sentiment: UniSuper at 67% against MLC's 30%. UniSuper also leads on update cadence (every 3 weeks vs every 2 months). 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

MLC ships an update every 2 months, UniSuper every 3 weeks. The most recent releases landed on September 2, 2026 and September 29, 2026 respectively.

Scorecard2 real differences · 8 level
MLC versus UniSuper: the parameters behind the verdict, then further details
ParameterMLCUniSuper
PriceFreeFree
Rating—4.9 (53 ratings) — better
Positive reviews30.2% of reviews66.7% of reviews — better
Number of ratings—53 — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size49 MB33 MB
Age rating4+4+
DeveloperIOOF Service Co Pty LtdUniSuper

Customer experience

MLC

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

UniSuper

All ratings53 ratings
Positive98.1%
Neutral1.9%
Negative0.0%
Written reviews90 reviews
Positive66.7%
Neutral5.6%
Negative27.8%

Bugs and requests

MLC

Not enough reviews yet to summarise bugs or requests.

UniSuper

Reported bugs

12 issues
  • Login button stuck on login page indefinitely
  • App crashes immediately after fingerprint verification
  • Login fails with incorrect password error despite correct credentials
  • App logs out user every time it's opened
  • Blank screen after logout preventing re-login
Show 7 more
  • Investment balance updates not syncing with website
  • Contact us email function logs user out
  • Autofill from password managers not working properly
  • Version update notification appearing despite being on latest version
  • App compatibility issues causing crashes on some devices
  • PIN and biometric settings reset after each update
  • Connection errors claiming no internet despite active connection

Requested features

12 requests
  • Dark mode app icon and Liquid Glass support
  • Investment allocation changes directly in app
  • Historical investment valuations and data
  • Detailed transaction history in app
  • Investment portfolio graphing and comparison tools
Show 7 more
  • Customizable dashboard layout
  • Lump sum withdrawal requests from app
  • Multi-account login support
  • Option to remove Face ID and use PIN only
  • Better inbox/notification visibility
  • Unit prices display for investments
  • Daily account balance graphs and trends

In-app purchases

None

MLC

No in-app purchases

None

UniSuper

No in-app purchases

Questions

Is MLC free?
MLC is free to download, with no in-app purchases.
Is UniSuper free?
UniSuper is free to download, with no in-app purchases.
Do MLC or UniSuper have ads?
Neither MLC nor UniSuper shows ads.
Which is updated more often, MLC or UniSuper?
MLC ships an update every 2 months, and UniSuper every 3 weeks. Most recently, MLC was updated on September 2, 2026 and UniSuper on September 29, 2026.

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