# Macquarie Authenticator vs Vault Payments

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.

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 22, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Macquarie Authenticator | Vault Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews) | [3.0 (2 ratings)](https://appshunter.io/ios/app/vault-payments/id1466020462/reviews) |
| Number of ratings | 2 | 2 |
| Positive reviews | 14.8% of reviews | **25.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 220 MB | 57 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) | [Vault Payment Solutions Group Pty Ltd](https://appshunter.io/developer/1466020461) |

## 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


### Vault Payments

[App page](https://appshunter.io/ios/app/vault-payments/id1466020462)

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.

**Highlights:** Utilize prepaid Mastercards, Add to Apple Wallet, Quick access, Easy management, Secure transactions

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Macquarie Authenticator free?

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

### Is Vault Payments free?

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

### Which has better reviews, Macquarie Authenticator or Vault Payments?

Macquarie Authenticator and Vault Payments are both rated 3.0 out of 5 on the App Store, from 2 and 2 ratings respectively.

### Do Macquarie Authenticator or Vault Payments have ads?

Neither Macquarie Authenticator nor Vault Payments shows ads.

### Which is updated more often, Macquarie Authenticator or Vault Payments?

Macquarie Authenticator ships an update every 3 weeks, and Vault Payments every 3 weeks. Most recently, Macquarie Authenticator was updated on October 22, 2026 and Vault Payments on October 19, 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.*