Plenti vs IOOF
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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)
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | Plenti | IOOF |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 12.8% of reviews — better | 11.5% of reviews |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 38 MB | 119 MB |
| Age rating | 17+ | 4+ |
| Developer | Plenti Pty Limited | Insignia Financial Ltd |
Customer experience
Plenti
IOOF
In-app purchases
Plenti
No in-app purchases
IOOF
No in-app purchases









