Comparison

Pearler vs ING Banking

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

Head to head
About

Pearler

This app simplifies investing for long-term financial independence. Discover your style with shares, LICs, and ETFs, or use template portfolios. Build wealth with automated investing and track your progress towards your goals.

Highlights
  • Share, LIC, and ETF investing
  • Low trading fees
  • Template portfolios
  • Set-and-forget Autoinvest
  • Financial goal tracking
  • Community insights
Features
Read full description

Build financial independence, no matter where you are on the investing journey. Pearler can help you get there – it’s investing made simple again. Pearler is a share trading app designed to help you invest smart to build financial independence. We don’t have all the answers (nobody does), but we’re on a mission to help you find your own. With the Pearler app, you can: • Discover your investing style through shares trading, LICs and ETF investing • Avoid hidden fees and simply pay low fees per trade • Choose assets to invest in or use a template portfolio to get you started • Build wealth while you sleep with a set-and-forget Autoinvest strategy • Track your progress towards financial independence or any other financial goal • Follow Finfluencers to learn and help you find your investing path Get rich slow – that’s the Pearler mantra. Real investing should be about going the distance. Investing should be boring. That’s why Pearler is built for long-term investors, not traders. No FOMO, no get-rich-quick stock tips, just insights from a community you can trust. With Pearler, you don’t do the journey alone. Plus, you can earn investment credits for referring your friends! Ready to build your wealth? Download the Pearler app for free and start your journey today. IMPORTANT THAT YOU READ The information is prepared by Pearler Investments Pty Ltd t/a Pearler (ABN 32 625 120 649) (Pearler) who is an authorised representative (AFS Representative No. 1281540) of Sanlam Private Wealth Pty Ltd (ABN 18 136 960 775, AFSL 337927) (Sanlam). At Pearler, we strive to make investing for your long-term goals easier and fun but we only provide general information and/ or general advice. We have not taken into consideration any of your personal circumstances, objectives, financial situation or needs nor do we use your preferences or search history to tailor your user experience. Any information is of a general nature only and does not consider your personal circumstances, objectives, financial situation or needs. Before acting on the information, you should consider its appropriateness, having regard to your personal circumstances, objectives, financial situation and needs. You may also wish to consider seeking appropriate financial, taxation and/or legal advice. All investments carry risk. You may lose some or all of your money invested. Except as expressly disclosed otherwise, the performance of an investment or the repayment of capital is not guaranteed. Please view our Financial Services Guide (https://pearler.com/financial-services-guide) before deciding to use or invest on Pearler.

About

ING Banking

A redesigned mobile banking application offering a faster, simpler, and more intuitive way to manage your finances. It provides easy access to balances, quick money transfers, and robust security features for peace of mind.

Highlights
  • Check balance at a glance
  • Move money in seconds
  • Manage accounts easily
  • Biometric login
  • Real-time alerts
  • 24/7 security
Features
Read full description

ING Banking - Do Your Thing is ING Australia's new mobile banking app for everyday banking, savings and account management. Moving from the legacy app? While we roll out this latest app, some products and features are not available just yet. You can still manage your products via online banking from your mobile browser where you need to. Opened your first account? You’re in the right place. Home to Savings Booster, our latest ING app is built to support your everyday banking - and it’s ready to roll with enhanced protection features. We’re actively working on a few improvements and regular updates are on the way to keep things running smoothly. Here’s what you can expect: • Instant notifications, a newly added mobile pin, and even more security features on the way • Transfer money in seconds and manage your accounts with just a few taps • Biometric login, real-time alerts, and advanced security features keep your money safe and your mind at ease • Whether you're at home or on the move, the ING app is your 24/7 banking companion. A few things to know: Normal data charges apply. Please check with your mobile phone service provider for details. Using your mobile to bank with ING is subject to certain limitations as not all internet banking features are available. ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823. Australian Credit Licence 229823. You can read our Terms of Use and Target Market Determinations at ing.com.au. Got questions? Visit the ING Help Hub at https://helphub.ing.com.au

Screenshots

Pearler4 screens
ING Banking4 screens

Verdict

The call

The clearest difference is rating: Pearler at 5.0 against ING Banking's 3.0. Pearler also leads on review sentiment (25% vs 2%) and update cadence (every 5 days vs fortnightly). On price, ratings volume, 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.

ReceptionRating · Positive reviews · Number of ratings

Pearler holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 4 and 2 respectively. Written reviews point the same way: 25% of Pearler's written reviews are positive against 2% of ING Banking's.

UpkeepUpdate frequency

Pearler ships an update every 5 days, ING Banking fortnightly. Both last shipped on October 24, 2026.

Scorecard3 real differences · 7 level
Pearler versus ING Banking: the parameters behind the verdict, then further details
ParameterPearlerING Banking
PriceFreeFree
Rating5.0 (4 ratings) — better3.0 (2 ratings)
Positive reviews24.8% of reviews — better2.3% of reviews
Number of ratings4 — better2
Update frequencyEvery 5 days — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.416.0 — better
Further details — not scored
Size125 MB248 MB
Age rating4+4+
DeveloperPearler InvestmentsING Bank (Australia) Limited

Customer experience

Pearler

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews125 reviews
Positive24.8%
Neutral17.6%
Negative57.6%

ING Banking

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews86 reviews
Positive2.3%
Neutral3.5%
Negative94.2%

Bugs and requests

Pearler

Reported bugs

20 issues
  • Login failures and authentication errors
  • Buttons not responding or not clickable
  • App crashes during purchases and transactions
  • Verification email code input not working
  • Address field not accepting input
Show 15 more
  • File upload rejecting documents (too large or wrong format)
  • Blank screens when switching between apps
  • Password reset loop - multiple resets required
  • Face ID and biometric sign-in not working
  • App freezing on loading screens
  • Back button functionality broken
  • Text overlapping and pixelated graphics
  • Net wealth graph showing incorrect or broken data
  • Verification process rejecting correct information
  • Automatic investments not executing as scheduled
  • Incorrect capital growth calculations for US stocks
  • Cannot find sell functionality after UI updates
  • Account reactivation blocked by email already registered error
  • Chat support feature causing app crashes
  • Inactive buttons until screen is reset

Requested features

15 requests
  • Complete UI/UX overhaul with modern design
  • Dark mode option
  • Back button that returns to previous screen, not top level
  • Daily/YTD/annual returns data display
  • Ability to see stock price trends and daily changes
Show 10 more
  • Watch list for stocks not yet owned
  • Customizable dashboard with less information clutter
  • Native mobile app instead of web wrapper
  • Reduce frequency of mandatory updates
  • Better customer service and support options
  • Faster fund transfer and transaction processing
  • Ability to schedule ASX purchases for later dates
  • Better accessibility for vision-impaired users
  • Option to choose between old and new dashboard designs
  • Restore lifetime earnings display without paywall

ING Banking

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Pearler

No in-app purchases

None

ING Banking

No in-app purchases

Questions

Is Pearler free?
Pearler is free to download, with no in-app purchases.
Is ING Banking free?
ING Banking is free to download, with no in-app purchases.
Which has better reviews, Pearler or ING Banking?
Pearler is rated higher. Pearler averages 5.0 out of 5 from 4 ratings, while ING Banking averages 3.0 from 2 ratings.
Do Pearler or ING Banking have ads?
Neither Pearler nor ING Banking shows ads.
Which is updated more often, Pearler or ING Banking?
Pearler ships an update every 5 days, and ING Banking fortnightly. Most recently, Pearler was updated on October 24, 2026 and ING Banking on October 24, 2026.

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