Comparison

Macquarie Authenticator vs AAMI App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

AAMI App

Manage your AAMI insurance policies conveniently from your smartphone. Update personal information, pay renewals, view policy documents, and track claims with real-time status updates. Receive important notifications about your policies.

Highlights
  • Manage supported insurance policies
  • Update personal and payment details
  • Pay policy renewals
  • View policy documents
  • Track home and motor claims
  • Receive policy notifications
Features
Read full description

The AAMI App is here! Got an AAMI insurance policy? Then this is for you! The AAMI App makes it easy to check and manage supported policies, right from your pocket. “What can I do with this app?!” you’re probably wondering. Good question! • Update your personal details, like your address and payment details. • Pay your renewal. • Check policy docs. • Track home and motor claims, with status updates as they progress. • Receive notifications about things like finalised claims and upcoming renewals. Sounds good, right? We’ve said it before, and we’ll say it again… Lucky you’re with AAMI!

Screenshots

Macquarie Authenticator3 screens
AAMI App4 screens

Verdict

The call

The clearest difference is rating: AAMI App at 4.7 against Macquarie Authenticator's 3.0. AAMI App also leads on ratings volume (29 vs 2). Macquarie Authenticator's advantage is monetization model (free vs ad-supported) and iOS requirement (16.0 vs 18.6). On price, review sentiment, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

AAMI App holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: AAMI App has 29 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 17% of AAMI App's.

UpkeepUpdate frequency

Macquarie Authenticator ships an update every 4 weeks, AAMI App every 5 weeks. The most recent releases landed on September 21, 2026 and September 25, 2026 respectively.

Scorecard4 real differences · 6 level
Macquarie Authenticator versus AAMI App: the parameters behind the verdict, then further details
ParameterMacquarie AuthenticatorAAMI App
PriceFreeFree
Rating3.0 (2 ratings)4.7 (29 ratings) — better
Positive reviews14.8% of reviews17.2% of reviews — better
Number of ratings229 — better
Update frequencyEvery 4 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.6
Further details — not scored
Size185 MB249 MB
Age rating4+4+
DeveloperMacquarie Bank LimitedAAI Limited

Customer experience

Macquarie Authenticator

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews108 reviews
Positive14.8%
Neutral4.6%
Negative80.6%

AAMI App

All ratings29 ratings
Positive93.1%
Neutral3.4%
Negative3.4%
Written reviews99 reviews
Positive17.2%
Neutral8.1%
Negative74.7%

Bugs and requests

Macquarie Authenticator

Not enough reviews yet to summarise bugs or requests.

AAMI App

Reported bugs

15 issues
  • App crashes when accessing driver rewards tab
  • Login failures and 'something went wrong' errors
  • Policies not displaying despite being added
  • Chat disconnects and loses conversation history
  • Claim information wiped when receiving calls/texts
Show 10 more
  • App logs out mid-claim without saving progress
  • Home page error preventing policy viewing
  • Contact information update functionality broken
  • Payment processing fails despite correct details
  • Incompatibility with iPhone 15
  • Weather alert notifications lose information after login
  • Trip tracking marks false hard braking/cornering
  • Slow server response times for claim retrieval
  • Photo upload errors on existing claims
  • iOS app requires force-close to access after rejection

Requested features

12 requests
  • Direct payment button for installments
  • Policy documents viewable within app
  • Ability to update address and contact details in app
  • Copy-paste functionality for claim numbers
  • Save progress when filing claims
Show 7 more
  • Consistent payment date change functionality
  • Email contact option for inquiries
  • Display all policies without errors
  • Offline access to policy information
  • Integration of all AAMI services in single app
  • Improved weather alert functionality
  • Better trip tracking accuracy for driver rewards

In-app purchases

None

Macquarie Authenticator

No in-app purchases

None

AAMI App

No in-app purchases

Questions

Is Macquarie Authenticator free?
Macquarie Authenticator is free to download, with no in-app purchases.
Is AAMI App free?
AAMI App is free to download, with no in-app purchases.
Which has better reviews, Macquarie Authenticator or AAMI App?
AAMI App is rated higher. Macquarie Authenticator averages 3.0 out of 5 from 2 ratings, while AAMI App averages 4.7 from 29 ratings.
Do Macquarie Authenticator or AAMI App have ads?
Neither Macquarie Authenticator nor AAMI App shows ads.
Which is updated more often, Macquarie Authenticator or AAMI App?
Macquarie Authenticator ships an update every 4 weeks, and AAMI App every 5 weeks. Most recently, Macquarie Authenticator was updated on September 21, 2026 and AAMI App on September 25, 2026.

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