North vs Qantas Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
North
Manage your super, pension, and investments conveniently from your mobile device. Track account balances, view performance, access statements, and update personal details securely.
- Secure login (password, PIN, fingerprint, face recognition)
- Track super, pension, and investment accounts
- View account balance history
- Monitor investment holdings and performance
- Access latest statements and correspondence
- View and update personal/bank details
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The North app provides you with easy access to super, pension and investments on the go and in one place. With the North app you can: - Log in securely using your password or PIN, or security features supported by your device such as fingerprint and face recognition - Keep track of your super, pension and investment accounts - View your account balance history and insurance current level of cover - Monitor your investment holdings, performance and transactions - Find your latest statements and correspondence - View your nominated beneficiaries; and - Update your personal and bank details The North mobile app is available for MyNorth, North, Summit, Generations and ipac iAccess clients. For more information, visit northonline.com.au/mobileapp or contact the North Service Centre on 1800 667 841. T&Cs apply.
Qantas Pay
Manage your money and earn Qantas Points on everyday spending, both at home and abroad. Load funds in multiple currencies, lock in exchange rates, and enjoy no foreign transaction fees. Securely access your accounts and track your transactions with ease.
- Earn Qantas Points on spending
- Load and hold 17 currencies
- Lock in foreign exchange rates
- No foreign transaction fees
- No account fees
- Add card to Apple Wallet
- Secure login with Face ID/fingerprint
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With Qantas Pay, you can earn Qantas Points on your own money at home and overseas. Lock in rates on 16 foreign currencies or load Australian dollars to spend worldwide - anywhere Mastercard® is accepted. Qantas Pay opens up a whole new world of points earning potential. Earn Qantas Points for simply loading your money and spending at home and overseas. • Earn 1 point per AU$1 equivalent loaded in foreign currency. • Earn 1 point per AU$1 spent overseas. • Earn 1 point per AU$4 when using your card at home - plus earn bonus points when spending on Qantas Flights, Marketplace and Wine. Plus, with Qantas Pay you can enjoy no foreign transaction fees and no account fees. Start planning your next adventure and discover how points make it possible with Qantas Pay. Manage your money with the Qantas Pay app • View your balances, transactions, statements and more. • Load funds by bank transfer, BPAY and debit card, or by using Apple Pay. • Hold up to 17 currencies. • Instantly add your Qantas Pay card to your Apple Wallet to shop in-store or online. • Instantly transfer funds between currencies and to other Qantas Pay cards. • Get help locking your card when you need it. • Change your card PIN. • View offers available to you when you use your Qantas Pay card. We take security seriously We take the safety of your data seriously, with advanced processes and systems in place to protect your information. And while logging in is as easy as using Face ID or your fingerprint, there’s extra authentication when you need a little extra peace of mind. Don’t have Qantas Pay? It only takes a few minutes to start enjoying all the great benefits Qantas Pay offers. Download the app and follow the prompts to sign up for free now. Any questions? Visit qantasmoney.com/qantas-pay T&CS apply. See full terms and conditions at www.qantasmoney.com/qantas-pay. Issuer: EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider PDS, FSG and TMD.
Screenshots
Verdict
The clearest difference is review sentiment: Qantas Pay at 43% against North's 16%. Qantas Pay also leads on update cadence (monthly vs every 2 months). North's advantage is iOS requirement (13.0 vs 17.0). 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.
North ships an update every 2 months, Qantas Pay monthly. The most recent releases landed on November 3, 2026 and November 8, 2026 respectively.
| Parameter | North | Qantas Pay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.6 (21 ratings) — better |
| Positive reviews | 16.3% of reviews | 42.9% of reviews — better |
| Number of ratings | — | 21 — better |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 99 MB | 132 MB |
| Age rating | 4+ | 4+ |
| Developer | NMMT | Qantas Airways Limited |
Customer experience
North
Qantas Pay
Bugs and requests
North
Not enough reviews yet to summarise bugs or requests.
Qantas Pay
Reported bugs
26 issues- Add Money interface buggy, flashing, error messages
- Funds disappear (not in bank, not in Qantas pay)
- Cannot log into the app
- Face ID logins no longer works after update
- App currently can't log in, Touch ID does nothing
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- Keyboard does not appear on iPad
- App keeps asking for manual login
- Login screen freezes
- Verification code screen disappears after leaving app
- Money deducted from bank but not appeared on card
- Current balance not updating correctly
- App is not available intermittently
- Cannot use login methods
- App logs in with Face ID/passcode before, now asks for 2FA
- Exchanging between currencies keeps throwing up errors
- Cannot load money, amount disappears
- Did not get bonus points
- App is shockingly poor, unfinished and badly designed
- Instant transfer via direct debit flawed
- Cannot remove security blocks
- Clunky, refuses to let user past PIN code entry on iPad
- Continues to reload before putting password
- Keyboard to enter details does not appear
- App requires full re-Auth each time it launches
- Debit card and Apple Pay top-up fails
- App experiences problems, no way to check balance or add money
Requested features
23 requests- Add Indonesia to exchange currencies
- Faster cash-outs
- Higher FF points earn for domestic spending
- More currency options
- Add PayID for instant top-ups
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- Add Google Pay option
- Add timestamps to transaction ledger
- Add running balances to transaction ledger
- Add transaction categories
- Display Qantas Points Earned per transaction
- View card details virtually in-app
- Display card offers in Qantas Pay app
- Faster Qantas Points balance syncing
- Earn Qantas Points on QPay balances
- Change card agreement to 'Debit'
- Add charts for each currency
- Bring back PIN number for app login
- Put back passcode for app login
- Improve security features
- Add more basic security features like banks offer
- More features needed
- Improve usability and reliability
- Add dark mode
In-app purchases
North
No in-app purchases
Qantas Pay
No in-app purchases
