Macquarie Authenticator vs Vault Payments
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Macquarie Authenticator
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.
- 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
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Protect your Macquarie account with Macquarie Authenticator. Our two-factor authentication app is designed to maximise your security, while also providing a beautiful banking experience. Separate security, seamless experience Macquarie Authenticator works seamlessly with the Macquarie Mobile Banking app. Approve or deny requests in an instant, directly through your notifications, for stronger security that feels like a single, seamless flow. More secure than SMS Unlike with SMS, you can see exactly what you’re approving. We send detailed alerts directly to your secure app, not your phone number. You’re in control Verify important transaction details upfront, such as the amount, recipient and location, so you can approve or deny transactions with confidence.
Vault Payments
Manage and utilize prepaid Mastercards with ease. This application allows for quick and secure access to your prepaid cards, with the ability to add them directly to your Apple Wallet.
- Utilize prepaid Mastercards
- Add to Apple Wallet
- Quick access
- Easy management
- Secure transactions
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The Vault app enables you to quickly, easily and securely utilise prepaid Mastercards and add to wallet on your Apple devices.
Screenshots
Verdict
Macquarie Authenticator and Vault Payments both sit at 3.0 stars, but that hides the real split: 25% of Vault Payments's written reviews are positive against 15% of Macquarie Authenticator's. On price, rating, ratings volume and update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 3.0 for Macquarie Authenticator against 3.0 for Vault Payments. Both are backed by a comparable volume of ratings — 2 and 2 respectively. Written reviews are what separate them: 15% of Macquarie Authenticator's written reviews are positive against 25% of Vault Payments's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 17, 2026 and October 19, 2026 respectively.
| Parameter | Macquarie Authenticator | Vault Payments |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) | 3.0 (2 ratings) |
| Positive reviews | 14.8% of reviews | 25.0% of reviews — better |
| Number of ratings | 2 | 2 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 220 MB | 57 MB |
| Age rating | 4+ | 17+ |
| Developer | Macquarie Bank Limited | Vault Payment Solutions Group Pty Ltd |
Customer experience
Macquarie Authenticator
Vault Payments
In-app purchases
Macquarie Authenticator
No in-app purchases
Vault Payments
No in-app purchases
Questions
Is Macquarie Authenticator free?
Is Vault Payments free?
Which has better reviews, Macquarie Authenticator or Vault Payments?
Do Macquarie Authenticator or Vault Payments have ads?
Which is updated more often, Macquarie Authenticator or Vault Payments?
Other comparisons
