Milford vs Westpac One
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Milford
Manage your investments with ease. Track your balance, view personalized performance, and see where your money is invested. Access transaction history, reports, and statements all in one place.
- View account balance
- Personalized performance tracking
- Investment allocation overview
- Transaction history
- Access reports and statements
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Milford's Mobile App makes it easy to keep track of your investments. You can see your balance, personalised performance and where your money is invested. You can also easily view your transaction history and access reports and statements.
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
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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 update cadence: Milford at every 6 weeks against Westpac One's every 3 months. Westpac One's advantage is review sentiment (50% vs 40%). 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.
Milford ships an update every 6 weeks, Westpac One every 3 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | Milford | Westpac One |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) — better | — |
| Positive reviews | 40.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 5 — better | — |
| Update frequency | Every 6 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.4 | 16.0 — better |
| Further details — not scored | ||
| Size | 115 MB | 47 MB |
| Age rating | 4+ | 17+ |
| Developer | Milford Asset Management Limited | Westpac Banking Corporation |
Customer experience
Milford
Westpac One
Bugs and requests
Milford
Reported bugs
65 issues- App not opening, white screen
- Portal broken
- Always crashing
- Terrible 2 factor implementation
- Facial recognition removed every few logins
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- PIN incorrect after facial recognition issues
- All information lost after PIN issues
- No biometric security
- Account performance takes forever to load
- Gap on left side of hamburger menu
- Profile icon but can't change photo
- Way too many updates
- Constantly in maintenance
- App crashes when it opens
- Haven't been able to log in for a month
- Always crashing
- Always getting new updates
- Needs much improvement
- Logged out completely, need full username/password
- Face ID/PIN doesn't work
- Tools & Calculators menu item disappearing
- Forecast My Balance calculator full of bugs
- Never been able to access information
- Stuck with setup login details
- Not possible to logout and login with alternative details
- Unused friendly
- Updates every week
- Frustrating frequent updates
- Minor changes with frequent updates
- Many bugs
- Customer experience not highest priority
- Often under maintenance
- No customer feedback mechanisms
- App is the weakest link
- Have to kill app after maintenance mode
- Frequent updates make app unusable
- Forces auto updates mid-transaction
- Disappointing
- Doesn't do landscape orientation on iPad
- iPad version no longer works in wide screen mode
- Widescreen mode no longer works on iPad
- Error occurred, won't let you log in
- Collects data from iOS clipboard
- Lazy programming or data collection tactic
- App crashes five to ten seconds after loading
- Continuously glitches
- Forgets password after a few days
- Fingerprint ID doesn't work
- Hard to use when you can't log in
- Requires login every day
- No username and password saved
- Hunt for username and password again every day
- Very annoying login
- Periodically requires random username re-entry
- Keeps losing login details
- Crash a couple times lately
- Logs out session
- Prompts to set up 4 digit pin plus Touch ID
- Not prompting for authenticator code
- Allowed to log in with only credentials without authenticator code
- Security issue, could log in without MFA
- Authenticator no longer asked for
- Blank home screen
- No transaction or account data pulled through
- Crashes when tapping several links
Requested features
8 requests- Passkey option
- Dark mode
- Landscape orientation on iPad
- Wide screen mode on iPad
- Customer feedback mechanisms in the app
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- Live feed for copy changes
- Option to choose Authenticator app type
- Switch preference to SMS OTP
Westpac One
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Milford
No in-app purchases
Westpac One
No in-app purchases









