Macquarie Authenticator vs Unloan
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.
Unloan
Manage your home loan digitally with a low interest rate and no ongoing fees. Track payments, optimize your loan with insights, and set up automated repayments. Securely access your account anytime, anywhere.
- Low interest rate home loan
- No ongoing fees
- Automatic loyalty discount
- Manage home loan on the go
- Secure login with FaceID/fingerprint
- Track upcoming payments
- Loan and property insights
- Automated loan repayments
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We're Unloan, an Australian digital home loan provider built and owned by the Commonwealth Bank of Australia. We're multi award-winning and recognised for delivering outstanding value to customers. Our home loan is designed to help you save more, with a low interest rate, no ongoing fees and an automatic loyalty discount. - Everything you need anywhere, anytime. Manage your home loan on the go and view your account balances from the palm of your hand. - Secure and easy to use. Log in quickly with FaceID or fingerprint. - Never miss an update. Keep track of your upcoming payments. - Optimise your home loan with loan and property insights. Track and grow your interest savings, understand your equity position, and pay down your loan faster. - Automated and easy payments. Use Unloan AutoPay to set loan repayments. There’s plenty more on the way. Stay tuned for more features that will help you stay in control of your home loan. Have an idea or got feedback? Tell us what you want in the app or email us at hello@unloan.com.au. Proud winners of: Canstar Outstanding Value Award 2023, 2024 & 2025 Finder Value Home Loan 2025 & 2026, Refinance Variable Home Loan 2026, Owner Occupier P&I Variable 2026 Mozo Low Cost Home Loan 2024 & 2025 Money Magazine Best Value Flexible Home Loan and Best Value Investment Loan 2025 WeMoney Excellent Rates and Fees 2024 & 2025, Best for Value 2025
Screenshots
Verdict
The clearest difference is review sentiment: Unloan at 75% against Macquarie Authenticator's 15%. Macquarie Authenticator's advantage is update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model 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.
Macquarie Authenticator ships an update every 3 weeks, Unloan every 2 months. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.
| Parameter | Macquarie Authenticator | Unloan |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | 14.8% of reviews | 75.0% of reviews — better |
| Number of ratings | 2 — better | — |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 220 MB | 82 MB |
| Age rating | 4+ | 17+ |
| Developer | Macquarie Bank Limited | Commonwealth Bank of Australia |
Customer experience
Macquarie Authenticator
Unloan
In-app purchases
Macquarie Authenticator
No in-app purchases
Unloan
No in-app purchases
Questions
Is Macquarie Authenticator free?
Is Unloan free?
Do Macquarie Authenticator or Unloan have ads?
Which is updated more often, Macquarie Authenticator or Unloan?
Other comparisons
