# Macquarie Authenticator vs Qantas Pay

The clearest difference is rating: Qantas Pay at 4.5 against Macquarie Authenticator's 3.0. Qantas Pay also leads on review sentiment (42% vs 15%) and ratings volume (19 vs 2). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Qantas Pay holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: Qantas Pay has 19 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 15% of Macquarie Authenticator's written reviews are positive against 42% of Qantas Pay's.

Macquarie Authenticator ships an update every 3 weeks, Qantas Pay monthly. The most recent releases landed on October 17, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Macquarie Authenticator | Qantas Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews) | **[4.5 (19 ratings)](https://appshunter.io/ios/app/qantas-pay/id6479733294/reviews)** |
| Number of ratings | 2 | **19** |
| Positive reviews | 14.8% of reviews | **41.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 220 MB | 132 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) | [Qantas Airways Limited](https://appshunter.io/developer/394287136) |

## 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


### Qantas Pay

[App page](https://appshunter.io/ios/app/qantas-pay/id6479733294)

Manage your money and earn Qantas Points on everyday spending, both at home and abroad. Load funds in multiple currencies, lock in exchange rates, and enjoy no foreign transaction fees. Securely access your accounts and track your transactions with ease.

**Highlights:** Earn Qantas Points on spending, Load and hold 17 currencies, Lock in foreign exchange rates, No foreign transaction fees, No account fees, Add card to Apple Wallet, Secure login with Face ID/fingerprint

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Macquarie Authenticator free?

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

### Is Qantas Pay free?

Qantas Pay is free to download, with no in-app purchases.

### Which has better reviews, Macquarie Authenticator or Qantas Pay?

Qantas Pay is rated higher. Macquarie Authenticator averages 3.0 out of 5 from 2 ratings, while Qantas Pay averages 4.5 from 19 ratings.

### Do Macquarie Authenticator or Qantas Pay have ads?

Neither Macquarie Authenticator nor Qantas Pay shows ads.

### Which is updated more often, Macquarie Authenticator or Qantas Pay?

Macquarie Authenticator ships an update every 3 weeks, and Qantas Pay monthly. Most recently, Macquarie Authenticator was updated on October 17, 2026 and Qantas Pay on October 18, 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.*