Macquarie Authenticator vs The Card Network
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.
The Card Network
Instantly claim and add your digital card to your mobile device's wallet using a provided link. Once added, your new card is ready for immediate use.
- Claim digital card instantly
- Add card to mobile wallet
- Secure card management
- Instant card activation
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If you have received a text message from us, use the link to log in and claim your digital card instantly. Once you have downloaded The Card Network App you can add your new card to your mobile device’s wallet. You are then ready to use your new card, simple.
Screenshots
Verdict
Macquarie Authenticator and The Card Network are too close to call on the numbers: across 8 compared parameters — price, review sentiment, update cadence and ads among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
Both ship on a similar rhythm, roughly every 3 weeks. Both last shipped on October 25, 2026.
| Parameter | Macquarie Authenticator | The Card Network |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | 14.8% of reviews — better | 9.8% of reviews |
| Number of ratings | 2 — better | — |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 220 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Macquarie Bank Limited | The Card Network |
Customer experience
Macquarie Authenticator
The Card Network
Bugs and requests
Macquarie Authenticator
Not enough reviews yet to summarise bugs or requests.
The Card Network
Reported bugs
17 issues- Invalid request format error on card loading
- Mobile number not found despite correct entry
- Phone number starting with 0 rejected
- SMS verification codes not being received
- Infinite loading circles on card information screen
Show 12 moreShow fewer
- App crashes when adding new cards
- App crashes immediately on launch (iOS 26)
- Oops EAID is null notification
- Hide card button non-functional
- Cards not appearing in Apple Wallet after addition
- Card balance showing as zero despite funds
- HTTP error 2 on SMS confirmation
- Duplicate request modal errors
- App flash-closes after iOS update
- Card declined despite sufficient balance
- Failed Apple Pay integration
- View card information stuck loading indefinitely
Requested features
11 requests- Delete or archive fully used cards
- Organize/sort cards by type and balance
- Display last 4 digits on card front
- Support for non-Apple Pay wallets
- Direct card number access for online purchases
Show 6 moreShow fewer
- Vertical card swiping instead of horizontal
- Transaction history visibility
- Ability to combine remaining balances
- Clear merchant location information
- Video message preservation after activation
- Support for physical card registration without SMS link
In-app purchases
Macquarie Authenticator
No in-app purchases
The Card Network
No in-app purchases
Questions
Is Macquarie Authenticator free?
Is The Card Network free?
Do Macquarie Authenticator or The Card Network have ads?
Which is updated more often, Macquarie Authenticator or The Card Network?
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