Comparison

Plenti vs IOOF

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

Head to head
About

Plenti

Invest in consumer loans and earn attractive returns with flexible terms. This platform makes investing simple, allowing you to start with as little as $10. Join thousands of investors and grow your money faster.

Highlights
  • Invest in personal, car, and green loans
  • $10 minimum investment
  • Flexible investment terms (1 month - 7 years)
  • Provision Fund protection
  • Automatic reinvestment options
  • Quick online registration (5 minutes)
Features
Read full description

Plenti investors make their money go further, faster through flexible investment options. Join over 20,000 investors already registered with Plenti. * Earn attractive returns investing in consumer loans * $10 minimum investment * Flexible investment terms When it comes to money, every decision counts. That’s why we’re on a mission to help everyone to make the right choices – about the choices that count. We’ve built a new world of lending that seeks to make investing faster and simpler for all. * Investing is as simple as 1,2,3* 1. Register for an account online in 5 minutes 2. Download the app and login to your account 3. Transfer in funds and start investing in loans WHY INVESTORS CHOOSE PLENTI *Attractive asset class* We give everyday Australians the opportunity to earn stable, attractive returns offered by investing in personal loans, car loans and green loans. Previously, only banks and institutions had access to the consumer credit asset class. *Provision Fund protection* The Provision Fund helps protect your returns. While it’s no guarantee, no investor has lost a cent of interest or principal as due.^ *Flexible investment options* Choose to invest in lending markets with indicative terms from 1 month – 7 years. As borrowers repay their loans, you’ll receive regular payments which you can choose to automatically reinvest. READY TO GET STARTED? Visit www.plenti.com.au/investing to find out more about investing with Plenti and register for an account. Signing up only takes five minutes. Or email us at contact@plenti.com.au if you have any questions about investing. IMPORTANT INFORMATION As with every investment, investing with Plenti is not without risk. Plenti RE Limited ABN 57 166 646 635 holds Australian financial services licence number 449176, Australian credit licence number 449176 and is a member of the Australian Financial Complaints Authority (AFCA). This information should not be taken as financial product advice and has been prepared as general information only without consideration for your particular investment objectives, financial circumstances or particular needs. You should read the Product Disclosure Statement on www.plenti.com.au/pds before making any decision about your investment choices. ^ The Provision Fund is not a guarantee and your capital is at risk.

About

IOOF

Manage your Super or Pension accounts with secure 24/7 access. View balances, transactions, and performance. Make changes to investments, beneficiaries, and personal details. Download reports and forms easily.

Highlights
  • Secure 24/7 account access
  • View balance and transactions
  • Track investment performance
  • Update investments and beneficiaries
  • Download reports and forms
  • Find and combine super accounts
Features
Read full description

The IOOF app makes it easy to view your Super or Pension account while enjoying secure access 24/7, using a passcode, fingerprint or facial recognition.   With the IOOF app you can: • Check your balance, view your transactions and performance • Find and combine your super • Review and make changes to your investments, beneficiaries, personal details, communications preferences and more. • Download communications and generate numerous reports. • Download a choice of fund form to easily provide to your employer when you change jobs, or find out how to make additional after-tax contributions. • Visualise your balance over time with an interactive graph or access reports for your individual investments.   Please note, an active account is required to access the IOOF app.

Screenshots

Plenti4 screens
IOOF4 screens

Verdict

The call

The clearest difference is update cadence: Plenti at every 3 weeks against IOOF's every 2 months. Plenti also leads on monetization model (free vs ad-supported). IOOF's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 17.5). On price, review sentiment, ads and in-app purchases 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

Plenti ships an update every 3 weeks, IOOF every 2 months. The most recent releases landed on October 15, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 4 level
Plenti versus IOOF: the parameters behind the verdict, then further details
ParameterPlentiIOOF
PriceFreeFree
Positive reviews12.8% of reviews — better11.5% of reviews
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.515.0 — better
Further details — not scored
Size38 MB119 MB
Age rating17+4+
DeveloperPlenti Pty LimitedInsignia Financial Ltd

Customer experience

Plenti

Written reviews47 reviews
Positive12.8%
Neutral4.3%
Negative83.0%

IOOF

Written reviews26 reviews
Positive11.5%
Neutral0.0%
Negative88.5%

In-app purchases

None

Plenti

No in-app purchases

None

IOOF

No in-app purchases

Questions

Is Plenti free?
Plenti is free to download, with no in-app purchases.
Is IOOF free?
IOOF is free to download, with no in-app purchases.
Do Plenti or IOOF have ads?
Neither Plenti nor IOOF shows ads.
Which is updated more often, Plenti or IOOF?
Plenti ships an update every 3 weeks, and IOOF every 2 months. Most recently, Plenti was updated on October 15, 2026 and IOOF on October 14, 2026.

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