Comparison

MLC vs Providend

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

Providend

Features
Read full description

Overview We are a mid-sized ensemble, professional practice firm that focuses on doing the right thing. As an independent wealth adviser and fund management company licensed by MAS, we offer various solutions to assist you in the area of wealth management. Over the years, we have come to be known as a specialist in retirement planning—accumulating towards retirement and drawing-down in retirement. Many of our clients have private banking relationships but engage us as their trusted adviser for valuable 2nd opinion. Key features of this app are designed to help our clients: - Gain greater clarity with a dashboard clearly documenting your financial situation and activities with us - Have complete oversight and easily track your investments - Stay updated on the latest wealth and market insights as well as webinar invites Data confidentiality is of utmost importance to us and we have put in place the following security features to give our clients peace of mind: - Session timeout is internally controlled to provide both a user-friendly and secure user experience - Display of privacy protection view on top of its main interface when the app moves into the background - Biometric authentication using only credentials stored in the device's keychain - Data protection and data loss prevention - no client data is stored on the device - Limit human access – only provides role-based access control Contact us Email: communications@providend.com Website: www.providend.com Connect with us on social media Facebook: https://www.facebook.com/Providend Linkedin: https://www.linkedin.com/company/providend Youtube: https://www.youtube.com/c/ProvidendSG

Screenshots

MLC4 screens
Providend4 screens

Verdict

The call

The clearest difference is update cadence: MLC at every 2 months against Providend's every 21 months. MLC also leads on iOS requirement (15.1 vs 17.0). On price, ads, in-app purchases and device support 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, Providend every 21 months. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.

Scorecard2 real differences · 6 level
MLC versus Providend: the parameters behind the verdict, then further details
ParameterMLCProvidend
PriceFreeFree
Positive reviews30.2% of reviews—
Update frequencyEvery 2 months — betterEvery 21 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size49 MB12 MB
Age rating4+4+
DeveloperIOOF Service Co Pty LtdProvidend Limited

Bugs and requests

MLC

Reported bugs

11 issues
  • Login button does not work
  • App crashes
  • Face ID/Face recognition signing in issues
  • App stuck on login page
  • Update does not work
Show 6 more
  • Keyboard not presented for login
  • Back button not working
  • White screen on launch
  • Cannot accept terms and conditions
  • App cycles to App Store after update
  • Login details incorrect despite website working

Requested features

11 requests
  • Include rate of return for previous and current year
  • Show balance after every transaction
  • Option to view data by calendar year
  • Add graphs for visualization
  • Manage investments from the app
Show 6 more
  • Improve UI color scheme
  • Add more features like changing portfolio and insurance numbers
  • Update login photo
  • Allow online withdrawal of funds
  • Face recognition login on every login
  • App rotation and better iPad screen utilization

Providend

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MLC

No in-app purchases

None

Providend

No in-app purchases

Questions

Is MLC free?
MLC is free to download, with no in-app purchases.
Is Providend free?
Providend is free to download, with no in-app purchases.
Do MLC or Providend have ads?
Neither MLC nor Providend shows ads.
Which is updated more often, MLC or Providend?
MLC ships an update every 2 months, and Providend every 21 months. Most recently, MLC was updated on October 29, 2026 and Providend on October 27, 2026.

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