MLC vs Quatro

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.

Quatro splits your spending into four honest quadrants: Q1 Committed — No choice here. Rent, insurance, the non-negotiables. Q2 Needs — You need it, but how much varies. Groceries, petrol, utilities. Q3 Recurring — You keep choosing this, month after month. Subscriptions, gym, habits. Q4 One-off — Completely avoidable. You chose it anyway. Coffees, impulse buys, nights out. The number that matters is always visible: your Cuttable total — everything in Q3 and Q4 combined. That's the spending that's actually in your hands. No bank sync. No automatic imports. You enter what you spend, you see where it goes, you decide what to cut. Weekly or monthly view. Navigate back through past periods. See the last 3 periods at a glance on the home screen. Quatro+ unlocks Insights (yearly chart, monthly breakdown, top categories), Widgets to keep your Cuttable number on your home screen, Transactions to browse and search your full history, and Export to share it as CSV. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/