# Macquarie Authenticator vs Ubank

The clearest difference is rating: Ubank at 4.6 against Macquarie Authenticator's 3.0. Ubank also leads on review sentiment (44% vs 15%) and ratings volume (167 vs 2). Macquarie Authenticator's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Ubank holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: Ubank has 167 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 15% of Macquarie Authenticator's written reviews are positive against 44% of Ubank's.

Macquarie Authenticator ships an update every 3 weeks, Ubank fortnightly. Both last shipped on October 26, 2026.

## The numbers

| Metric | Macquarie Authenticator | Ubank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews) | **[4.6 (167 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** |
| Number of ratings | 2 | **167** |
| Positive reviews | 14.8% of reviews | **43.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 220 MB | 134 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) |

## What reviewers say

### Macquarie Authenticator

[App page](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749)

Enhance your account security with this app, offering push notifications for transaction approval or denial and generating one-time passcodes for authentication. It provides a faster, more secure alternative to SMS, especially when traveling internationally.

**Highlights:** Push notifications for transaction approval/denial, Generate one-time rolling codes, Offline authentication with rolling codes, Manage pending tasks, PIN, fingerprint, and facial recognition unlock

**Features:** Vision Pro support

**In-app purchases:** none


### Ubank

[App page](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099)

Manage your finances with a digital bank offering tools for spending, saving, and earning. Features include no monthly fees, bonus interest on savings, spending insights, and bill planning. Easily link external accounts and set savings goals.

**Highlights:** No monthly fees, Bonus interest on savings, Spending insights and pay cycle sync, Bill planner and separate bills account, Shared accounts for partners, Savings targets and autosave, Link external bank accounts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Simple and easy banking
- 🔒 Secure and trustworthy
- 👍 User-friendly app and website
- 💰 Competitive interest rates
- 🤝 Shared accounts feature

**What reviewers complain about**

- 🐛 Buggy app with frequent crashes and login issues
- 🔒 Restrictive ID requirements for account opening
- 🤔 Confusing changes to account structure and transaction rules
- 🕰️ Slow customer support and unresponsive to issues
- 💳 Inability to pay directly from savings accounts

**Reported bugs**

- Passkey login frequently not working
- Account balance not updating correctly
- Inability to delete old passkeys
- Swipe back gesture not functioning
- App freezing on splash screen

**Requested features**

- Custom expense categorization
- Apple Watch app or home screen widgets
- Improved transaction history and balance tracking
- Seamless integration with other bank accounts
- More transparency around interest rate changes


## Frequently asked questions

### Is Macquarie Authenticator free?

Macquarie Authenticator is free to download, with no in-app purchases.

### Is Ubank free?

Ubank is free to download, with no in-app purchases.

### Which has better reviews, Macquarie Authenticator or Ubank?

Ubank is rated higher. Macquarie Authenticator averages 3.0 out of 5 from 2 ratings, while Ubank averages 4.6 from 167 ratings.

### Do Macquarie Authenticator or Ubank have ads?

Neither Macquarie Authenticator nor Ubank shows ads.

### Which is updated more often, Macquarie Authenticator or Ubank?

Macquarie Authenticator ships an update every 3 weeks, and Ubank fortnightly. Most recently, Macquarie Authenticator was updated on October 26, 2026 and Ubank on October 26, 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.*