Macquarie Authenticator vs Wealthra

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.

Your complete financial picture — one app. Wealthra brings together your bank accounts, investments, superannuation, bills, and goals into a single dashboard. Built specifically for Australians — not a US app with a currency toggle. Connect your banks securely via Open Banking (CDR-compliant through Basiq) and watch your transactions flow in automatically. No more manual spreadsheets or logging into five different apps. DASHBOARD & NET WORTH See your full financial position at a glance. Track net worth over time across all accounts, investments, property, and liabilities. View household totals for couples and families. SMART TRANSACTIONS Every transaction is automatically categorised using intelligent rules and AI. Split transactions, add tags, attach receipts, and search across all your accounts instantly. Bulk edit and organise with ease. BUDGETS THAT WORK Create budgets by category with flexible frequencies — weekly, fortnightly, or monthly. See real-time spending progress and get alerts before you overspend. Forecast your cash flow ahead. AUTOMATED RULES Set up rules to automatically categorise, tag, and organise transactions as they arrive. Priority-based rule engine with AI suggestions means less manual work over time. AI FINANCIAL COACH Get personalised insights about your spending patterns. Ask questions, receive budget suggestions, and get smart alerts tailored to your financial behaviour. INVESTMENTS & SUPER Track shares, ETFs, managed funds, crypto, and property in one portfolio view. Monitor superannuation balances, see allocation breakdowns, and track dividend income. BNPL TRACKING Keep on top of Afterpay, Zip, Klarna, and other buy now pay later commitments. See upcoming instalments, total obligations, and how BNPL impacts your budget. BILLS & GOALS Never miss a bill again with upcoming payment tracking. Set savings goals, monitor progress, and plan for the future with scenario modelling. REPORTS & DOCUMENTS Generate spending reports, income summaries, and tax-time breakdowns. Store receipts and documents with OCR search — everything organised when you need it. SECURITY FIRST Bank-level encryption (AES-256). Multi-factor authentication. CDR-compliant read-only bank access — we can never move your money. Your data is never sold. BUILT FOR AUSTRALIA Australian dollar formatting, fortnightly pay cycles, superannuation tracking, and terminology that makes sense. Supports all major Australian banks via Open Banking. Free to start. Powerful when you need it.