Macquarie Authenticator vs GIO App
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.
GIO App
Easily manage supported insurance policies on the go. Update personal and payment details, make renewals, and check policy documents. Track claims, receive status updates, and get important notifications like renewals and weather alerts.
- Manage insurance policies
- Update personal details
- Make renewal payments
- Check policy documents
- Track home and motor claims
- Receive status updates
- Policy notifications and weather alerts
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The GIO App is now available. The GIO App makes it easy to check and manage supported insurance policies, quickly and easily. • Update your personal details, such as address and payment details. • Make renewal payments. • Check policy documents. • Track home and motor claims, and receive status updates as they progress. • Receive important policy notifications thing like upcoming renewal. • Get notified for weather alert including hail in your area so you are better prepared. Download the app today and discover how much simpler managing your insurance can be. Apple logo and iPhone are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Screenshots
Verdict
The clearest difference is rating: GIO App at 5.0 against Macquarie Authenticator's 3.0. GIO App also leads on review sentiment (29% vs 15%). Macquarie Authenticator's advantage is monetization model (free vs ad-supported) and iOS requirement (16.0 vs 18.6). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
GIO App holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 1 respectively. Written reviews point the same way: 15% of Macquarie Authenticator's written reviews are positive against 29% of GIO App's.
Macquarie Authenticator ships an update every 3 weeks, GIO App every 5 weeks. The most recent releases landed on October 13, 2026 and October 15, 2026 respectively.
| Parameter | Macquarie Authenticator | GIO App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 14.8% of reviews | 28.6% of reviews — better |
| Number of ratings | 2 — better | 1 |
| Update frequency | Every 3 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 18.6 |
| Further details — not scored | ||
| Size | 220 MB | 246 MB |
| Age rating | 4+ | 4+ |
| Developer | Macquarie Bank Limited | AAI Limited |
Customer experience
Macquarie Authenticator
GIO App
In-app purchases
Macquarie Authenticator
No in-app purchases
GIO App
No in-app purchases
Questions
Is Macquarie Authenticator free?
Is GIO App free?
Which has better reviews, Macquarie Authenticator or GIO App?
Do Macquarie Authenticator or GIO App have ads?
Which is updated more often, Macquarie Authenticator or GIO App?
Other comparisons
