# Macquarie Authenticator vs AAMI App

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.

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

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.

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.

## The numbers

| Metric | Macquarie Authenticator | AAMI App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews) | **[4.7 (29 ratings)](https://appshunter.io/ios/app/aami-app/id1510690149/reviews)** |
| Number of ratings | 2 | **29** |
| Positive reviews | 14.8% of reviews | **17.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 5 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 185 MB | 249 MB |
| Requires iOS | **16.0** | 18.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) | [AAI Limited](https://appshunter.io/developer/666174181) |

## 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


### AAMI App

[App page](https://appshunter.io/ios/app/aami-app/id1510690149)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy-to-use interface and navigation
- 📱 Convenient access to policies and claims
- 🚀 Quick online claim process
- 💼 Comprehensive coverage options
- 🎯 Accessible policy information at a glance

**What reviewers complain about**

- 🐛 App crashes frequently and unexpectedly
- ❌ Multiple policies not displaying correctly
- ⚠️ Persistent login and authentication issues
- 📵 Chat and messaging system unresponsive
- 🔧 Unable to update account details via app

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*