Comparison

Macquarie Authenticator vs Xero Verify

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

Xero Verify

Enhance your business's online security with this official authentication app. It adds an extra layer of protection to your account, preventing unauthorized access even if your password is compromised. Enjoy fast and secure logins with push notifications or offline verification codes.

Highlights
  • Push notification authentication
  • Generate offline verification codes
  • QR code setup
  • Secure Xero account logins
  • Multi-factor authentication
Features
Read full description

This is the official authentication app developed by Xero Ltd. It's free to use, and Xero will never charge you for it. At Xero, protecting your data is fundamental to everything we do. Just one easily guessed password can stop your business in its tracks. So Xero has put an extra deadbolt on the door to help keep your data secure. This is why Xero uses MFA to secure logins. It significantly reduces the risk of someone gaining access to your account, even if they've managed to obtain your email and password through a phishing attack or malware. The Xero Verify app is simple to use. You can receive push notifications for fast authentication, instead of having to open the app and enter a code into Xero when you login. Simply accept the notification on your device's home screen - it's that easy. Features: * Sign into your Xero account using push notifications on your device (if enabled). * Generate six digit verification codes, even if you don't have a network or mobile connection. * Use Xero Verify to authenticate your Xero account (it can't be used on other products outside Xero) * Easy set up using QR code Permission notice: Camera: Needed to add accounts using QR codes Push notifications: Accept to receive push notifications Follow Xero on Twitter: https://twitter.com/xero/ Join the Xero Facebook Fan page: https://www.facebook.com/Xero.Accounting Privacy policy: https://www.xero.com/about/legal/privacy/ Terms of use: https://www.xero.com/about/legal/terms/

Screenshots

Macquarie Authenticator3 screens
Xero Verify3 screens

Verdict

The call

The clearest difference is rating: Macquarie Authenticator at 3.0 against Xero Verify's 1.4. Xero Verify's advantage is ratings volume (205 vs 2). 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

Macquarie Authenticator holds the better App Store score, 3.0 against 1.4. That said, the two scores are not equally well evidenced: Xero Verify has 205 ratings behind it against 2, so its average is the more settled of the two. Written reviews split almost evenly too, at 15% and 15% positive.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. Both last shipped on October 17, 2026.

Scorecard2 real differences · 8 level
Macquarie Authenticator versus Xero Verify: the parameters behind the verdict, then further details
ParameterMacquarie AuthenticatorXero Verify
PriceFreeFree
Rating3.0 (2 ratings) — better1.4 (205 ratings)
Positive reviews14.8% of reviews — better14.7% of reviews
Number of ratings2205 — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size220 MB10 MB
Age rating4+4+
DeveloperMacquarie Bank LimitedXero Ltd

Customer experience

Macquarie Authenticator

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

Xero Verify

All ratings205 ratings
Positive11.2%
Neutral0.5%
Negative88.3%
Written reviews252 reviews
Positive14.7%
Neutral2.0%
Negative83.3%

Bugs and requests

Macquarie Authenticator

Not enough reviews yet to summarise bugs or requests.

Xero Verify

Reported bugs

3 issues
  • Codes not working
  • Repeated login issues
  • Sync problems between app and web

Requested features

3 requests
  • Option to use SMS/email for 2FA
  • Integrate with existing authenticator apps
  • Provide more flexible security settings

In-app purchases

None

Macquarie Authenticator

No in-app purchases

None

Xero Verify

No in-app purchases

Questions

Is Macquarie Authenticator free?
Macquarie Authenticator is free to download, with no in-app purchases.
Is Xero Verify free?
Xero Verify is free to download, with no in-app purchases.
Which has better reviews, Macquarie Authenticator or Xero Verify?
Macquarie Authenticator is rated higher. Macquarie Authenticator averages 3.0 out of 5 from 2 ratings, while Xero Verify averages 1.4 from 205 ratings.
Do Macquarie Authenticator or Xero Verify have ads?
Neither Macquarie Authenticator nor Xero Verify shows ads.
Which is updated more often, Macquarie Authenticator or Xero Verify?
Macquarie Authenticator ships an update every 3 weeks, and Xero Verify every 3 weeks. Most recently, Macquarie Authenticator was updated on October 17, 2026 and Xero Verify on October 17, 2026.

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