# Macquarie Authenticator vs Xero Verify

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.

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

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.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 17, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Macquarie Authenticator | Xero Verify |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews)** | [1.4 (205 ratings)](https://appshunter.io/ios/app/xero-verify/id1510862201/reviews) |
| Number of ratings | 2 | **205** |
| Positive reviews | **14.8% of reviews** | 14.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 220 MB | 10 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) | [Xero Ltd](https://appshunter.io/developer/441878596) |

## 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


### Xero Verify

[App page](https://appshunter.io/ios/app/xero-verify/id1510862201)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Seamless integration
- 🔒 Robust security
- 👍 Easy to use
- 🚀 Quick authentication

**What reviewers complain about**

- 🐛 Unreliable performance
- 🔒 Forced MFA requirement
- 📱 Unnecessary separate app
- ⏱️ Time-consuming setup
- 🔑 Difficult to recover from lost credentials

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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 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.*