# Macquarie Authenticator vs GIO App

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.

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.

## The numbers

| Metric | Macquarie Authenticator | GIO App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/gio-app/id1580340581/reviews)** |
| Number of ratings | **2** | 1 |
| Positive reviews | 14.8% of reviews | **28.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 220 MB | 246 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


### GIO App

[App page](https://appshunter.io/ios/app/gio-app/id1580340581)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Macquarie Authenticator free?

Macquarie Authenticator is free to download, with no in-app purchases.

### Is GIO App free?

GIO App is free to download, with no in-app purchases.

### Which has better reviews, Macquarie Authenticator or GIO App?

GIO App is rated higher. Macquarie Authenticator averages 3.0 out of 5 from 2 ratings, while GIO App averages 5.0 from 1 ratings.

### Do Macquarie Authenticator or GIO App have ads?

Neither Macquarie Authenticator nor GIO App shows ads.

### Which is updated more often, Macquarie Authenticator or GIO App?

Macquarie Authenticator ships an update every 3 weeks, and GIO App every 5 weeks. Most recently, Macquarie Authenticator was updated on October 13, 2026 and GIO App on October 15, 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.*