Comparison

MLC vs ING Banking

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

ING Banking

A redesigned mobile banking application offering a faster, simpler, and more intuitive way to manage your finances. It provides easy access to balances, quick money transfers, and robust security features for peace of mind.

Highlights
  • Check balance at a glance
  • Move money in seconds
  • Manage accounts easily
  • Biometric login
  • Real-time alerts
  • 24/7 security
Features
Read full description

ING Banking - Do Your Thing is ING Australia's new mobile banking app for everyday banking, savings and account management. Moving from the legacy app? While we roll out this latest app, some products and features are not available just yet. You can still manage your products via online banking from your mobile browser where you need to. Opened your first account? You’re in the right place. Home to Savings Booster, our latest ING app is built to support your everyday banking - and it’s ready to roll with enhanced protection features. We’re actively working on a few improvements and regular updates are on the way to keep things running smoothly. Here’s what you can expect: • Instant notifications, a newly added mobile pin, and even more security features on the way • Transfer money in seconds and manage your accounts with just a few taps • Biometric login, real-time alerts, and advanced security features keep your money safe and your mind at ease • Whether you're at home or on the move, the ING app is your 24/7 banking companion. A few things to know: Normal data charges apply. Please check with your mobile phone service provider for details. Using your mobile to bank with ING is subject to certain limitations as not all internet banking features are available. ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823. Australian Credit Licence 229823. You can read our Terms of Use and Target Market Determinations at ing.com.au. Got questions? Visit the ING Help Hub at https://helphub.ing.com.au

Screenshots

MLC4 screens
ING Banking4 screens

Verdict

The call

The clearest difference is review sentiment: MLC at 30% against ING Banking's 2%. ING Banking's advantage is update cadence (fortnightly 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, ING Banking fortnightly. The most recent releases landed on October 1, 2026 and October 13, 2026 respectively.

Scorecard2 real differences · 8 level
MLC versus ING Banking: the parameters behind the verdict, then further details
ParameterMLCING Banking
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews30.2% of reviews — better2.3% of reviews
Number of ratings—1 — better
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better16.0
Further details — not scored
Size49 MB248 MB
Age rating4+4+
DeveloperIOOF Service Co Pty LtdING Bank (Australia) Limited

Customer experience

MLC

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

ING Banking

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews86 reviews
Positive2.3%
Neutral3.5%
Negative94.2%

In-app purchases

None

MLC

No in-app purchases

None

ING Banking

No in-app purchases

Questions

Is MLC free?
MLC is free to download, with no in-app purchases.
Is ING Banking free?
ING Banking is free to download, with no in-app purchases.
Do MLC or ING Banking have ads?
Neither MLC nor ING Banking shows ads.
Which is updated more often, MLC or ING Banking?
MLC ships an update every 2 months, and ING Banking fortnightly. Most recently, MLC was updated on October 1, 2026 and ING Banking on October 13, 2026.

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