Comparison

Macquarie Authenticator vs MyCard AU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

MyCard AU

Manage your credit card account securely on your mobile device. Access balances, transaction history, reward points, and digital card details. Make payments, activate cards, and chat with support.

Highlights
  • Biometric login (Touch ID/Face ID)
  • Account balance and transaction history
  • View reward points
  • Digital card access
  • Add card to Apple Pay
  • Activate card and reset PIN
  • Temporarily lock/unlock card
  • Download account statements
Features
Read full description

Manage your card and account on the go with the MyCard App. Secure login • Access your account using biometric login (Touch ID or Face ID) Easy access to the important stuff • Our home screen puts everything you need at your fingertips. Check your account balance, track your transaction history, and view your reward points – without navigating through multiple screens. • Once you’re logged in, your card details can be viewed directly from the home screen for when you need them in a hurry. • Chat with our team of agents via our Mobile App or Online. Account management • Begin spending straight away with your digital card before the physical one arrives. • Add your card to Apple Pay for secure, contactless payments with just a tap of your device. • Activate your card, reset your PIN or temporarily lock or unlock a lost card. • Stay organised with your account statements, which you can view and download in the app. • View your minimum repayment amount and make repayments in the way that you prefer. Download and get started in just a few minutes. MyCard is issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). Apple Pay, Face ID and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Screenshots

Macquarie Authenticator3 screens
MyCard AU4 screens

Verdict

The call

The clearest difference is rating: Macquarie Authenticator at 3.0 against MyCard AU's 1.0. Macquarie Authenticator also leads on review sentiment (15% vs 1%) and monetization model (free vs ad-supported). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Macquarie Authenticator holds the better App Store score, 3.0 against 1.0. Both are backed by a comparable volume of ratings — 2 and 2 respectively. Written reviews point the same way: 15% of Macquarie Authenticator's written reviews are positive against 1% of MyCard AU's.

UpkeepUpdate frequency

Macquarie Authenticator ships an update every 3 weeks, MyCard AU every 4 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Macquarie Authenticator versus MyCard AU: the parameters behind the verdict, then further details
ParameterMacquarie AuthenticatorMyCard AU
PriceFreeFree
Rating3.0 (2 ratings) — better1.0 (2 ratings)
Positive reviews14.8% of reviews — better1.4% of reviews
Number of ratings22
Update frequencyEvery 3 weeks — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad — betteriPhone
Requires iOS16.016.0
Further details — not scored
Size220 MB103 MB
Age rating4+4+
DeveloperMacquarie Bank LimitedNAB

Customer experience

Macquarie Authenticator

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews108 reviews
Positive14.8%
Neutral4.6%
Negative80.6%

MyCard AU

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews71 reviews
Positive1.4%
Neutral7.0%
Negative91.5%

In-app purchases

None

Macquarie Authenticator

No in-app purchases

None

MyCard AU

No in-app purchases

Questions

Is Macquarie Authenticator free?
Macquarie Authenticator is free to download, with no in-app purchases.
Is MyCard AU free?
MyCard AU is free to download, with no in-app purchases.
Which has better reviews, Macquarie Authenticator or MyCard AU?
Macquarie Authenticator is rated higher. Macquarie Authenticator averages 3.0 out of 5 from 2 ratings, while MyCard AU averages 1.0 from 2 ratings.
Do Macquarie Authenticator or MyCard AU have ads?
Neither Macquarie Authenticator nor MyCard AU shows ads.
Which is updated more often, Macquarie Authenticator or MyCard AU?
Macquarie Authenticator ships an update every 3 weeks, and MyCard AU every 4 weeks. Most recently, Macquarie Authenticator was updated on October 29, 2026 and MyCard AU on October 30, 2026.

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