Comparison

Macquarie Authenticator vs Westpac One

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

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.

Highlights
  • One-time passcode generation
  • Multi-factor authentication
  • Multiple profile linking
  • Biometric or PIN sign-in
  • Portable mobile security
Read 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

Macquarie Authenticator3 screens
Westpac One4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

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.

Scorecard2 real differences · 8 level
Macquarie Authenticator versus Westpac One: the parameters behind the verdict, then further details
ParameterMacquarie AuthenticatorWestpac One
PriceFreeFree
Rating3.0 (2 ratings) — better—
Positive reviews14.8% of reviews50.0% of reviews — better
Number of ratings2 — better—
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size220 MB47 MB
Age rating4+17+
DeveloperMacquarie Bank LimitedWestpac Banking Corporation

Customer experience

Macquarie Authenticator

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

Westpac One

Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Macquarie Authenticator

No in-app purchases

None

Westpac One

No in-app purchases

Questions

Is Macquarie Authenticator free?
Macquarie Authenticator is free to download, with no in-app purchases.
Is Westpac One free?
Westpac One is free to download, with no in-app purchases.
Do Macquarie Authenticator or Westpac One have ads?
Neither Macquarie Authenticator nor Westpac One shows ads.
Which is updated more often, Macquarie Authenticator or Westpac One?
Macquarie Authenticator ships an update every 3 weeks, and Westpac One every 3 months. Most recently, Macquarie Authenticator was updated on November 2, 2026 and Westpac One on October 30, 2026.

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