Macquarie Authenticator vs Westpac One
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
Read full descriptionHide 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.
Westpac One
This app provides enhanced security for online banking by generating one-time passcodes for multi-factor authentication. It allows linking multiple profiles and offers personalized sign-in options like biometrics or a PIN for convenient access on your mobile device.
- One-time passcode generation
- Multi-factor authentication
- Multiple profile linking
- Biometric or PIN sign-in
- Portable mobile security
Read full descriptionHide full description
Securely verify your identity and access Westpac digital banking services with the Westpac One app. Westpac One helps protect your organisation's banking activities with identity verification and strong authentication. Verify your identity and generate one-time passcodes (OTPs) to securely access eligible banking services. Features: • Digital identity verification – Verify your identity for eligible Westpac products and services. • Enhanced security – OTPs for multi-factor authentication to provide an extra layer of security. • Multiple profile linking – If you have more than one profile, you can link them all to one eToken. • Personalised access – Set up your biometrics or a 6-digit PIN to safely and easily sign in to the app. • Portable protection – eToken is conveniently with you on your mobile device when you need it. Activation of this app is by invitation only. If your organisation was not invited by Westpac to install the app, it may not work as intended. For information, contact your Administrator or call Corporate Help Desk on 1300 134 291 if you are in Australia, and (+61 2) 9155 7737 if you are overseas. This app requires iOS 16.0 or later. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. The Westpac Group, 275 Kent Street, Sydney, NSW 2000, AUSTRALIA.
Screenshots
Verdict
The clearest difference is review sentiment: Westpac One at 50% against Macquarie Authenticator's 15%. Macquarie Authenticator's advantage is update cadence (every 3 weeks vs every 3 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, Westpac One every 3 months. The most recent releases landed on November 2, 2026 and October 30, 2026 respectively.
| Parameter | Macquarie Authenticator | Westpac One |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | 14.8% of reviews | 50.0% of reviews — better |
| Number of ratings | 2 — better | — |
| Update frequency | Every 3 weeks — better | Every 3 months |
| 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 | 220 MB | 47 MB |
| Age rating | 4+ | 17+ |
| Developer | Macquarie Bank Limited | Westpac Banking Corporation |
Customer experience
Macquarie Authenticator
Westpac One
In-app purchases
Macquarie Authenticator
No in-app purchases
Westpac One
No in-app purchases
Questions
Is Macquarie Authenticator free?
Is Westpac One free?
Do Macquarie Authenticator or Westpac One have ads?
Which is updated more often, Macquarie Authenticator or Westpac One?
Other comparisons















