Macquarie Authenticator vs ING Banking
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.
ING Banking
A redesigned mobile banking application offering a faster, simpler, and more intuitive way to manage your finances. It provides easy access to balances, quick money transfers, and robust security features for peace of mind.
- Check balance at a glance
- Move money in seconds
- Manage accounts easily
- Biometric login
- Real-time alerts
- 24/7 security
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ING Banking - Do Your Thing is ING Australia's new mobile banking app for everyday banking, savings and account management. Moving from the legacy app? While we roll out this latest app, some products and features are not available just yet. You can still manage your products via online banking from your mobile browser where you need to. Opened your first account? You’re in the right place. Home to Savings Booster, our latest ING app is built to support your everyday banking - and it’s ready to roll with enhanced protection features. We’re actively working on a few improvements and regular updates are on the way to keep things running smoothly. Here’s what you can expect: • Instant notifications, a newly added mobile pin, and even more security features on the way • Transfer money in seconds and manage your accounts with just a few taps • Biometric login, real-time alerts, and advanced security features keep your money safe and your mind at ease • Whether you're at home or on the move, the ING app is your 24/7 banking companion. A few things to know: Normal data charges apply. Please check with your mobile phone service provider for details. Using your mobile to bank with ING is subject to certain limitations as not all internet banking features are available. ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823. Australian Credit Licence 229823. You can read our Terms of Use and Target Market Determinations at ing.com.au. Got questions? Visit the ING Help Hub at https://helphub.ing.com.au
Screenshots
Verdict
The clearest difference is rating: ING Banking at 5.0 against Macquarie Authenticator's 3.0. Macquarie Authenticator's advantage is review sentiment (15% vs 2%). 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.
ING Banking 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 complicate that: 15% of Macquarie Authenticator's written reviews are positive against 2% of ING Banking's, so the app with the better star average is not the one people write more warmly about.
Macquarie Authenticator ships an update every 4 weeks, ING Banking fortnightly. Both last shipped on September 26, 2026.
| Parameter | Macquarie Authenticator | ING Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 14.8% of reviews — better | 2.4% of reviews |
| Number of ratings | 2 — better | 1 |
| Update frequency | Every 4 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 185 MB | 242 MB |
| Age rating | 4+ | 4+ |
| Developer | Macquarie Bank Limited | ING Bank (Australia) Limited |
Customer experience
Macquarie Authenticator
ING Banking
In-app purchases
Macquarie Authenticator
No in-app purchases
ING Banking
No in-app purchases
Questions
Is Macquarie Authenticator free?
Is ING Banking free?
Which has better reviews, Macquarie Authenticator or ING Banking?
Do Macquarie Authenticator or ING Banking have ads?
Which is updated more often, Macquarie Authenticator or ING Banking?
Other comparisons
