North vs XNLO
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.
XNLO
Manage your digital assets with a non-custodial wallet that integrates with an AI ecosystem. View balances, send/receive assets across networks, and track activity from your phone. It's built for a clean experience today with future AI agent capabilities.
- Non-custodial wallet
- Send and receive assets
- Multi-chain access
- Wallet activity and balance view
- Access to NLO ecosystem
- Foundation for AI agent experiences
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NLO is a money app and a self custody wallet in one. Add money in your local currency, keep it in your own wallet, and withdraw to your bank whenever you want. No branch visits, no waiting, no minimum balance. SET UP IN YOUR OWN LANGUAGE NLO detects your country and currency the moment you open it, and the whole app is available in twelve languages including English, Hindi, Bengali, Tamil, Telugu, Marathi, Gujarati, Arabic, Spanish, Indonesian, Portuguese and Chinese. ADD MONEY THE WAY YOU ALREADY PAY Choose from bank transfer, debit and credit cards, and the local payment methods people use where you live. Payments are processed by our payment partners and usually arrive within minutes. YOUR MONEY STAYS YOURS NLO is self custody. Your keys are created on your device, encrypted by your device, and never leave it. Not even we can access your funds. A secret recovery phrase lets you restore your wallet on any device. ONE WALLET, MANY NETWORKS Hold and move assets across Ethereum, Base, BNB Chain, Arbitrum, Polygon, Avalanche and more, from a single balance. Send, receive and swap in a few taps. TRADE ON QUANTUM DEX Live prices, clear charts and real pool data. Buy or sell with any token you hold, on any supported network, with fees shown before you confirm. BUILT TO BE SAFE A PIN is required every time you open the app. Add Face ID or Touch ID if you prefer. NLO locks itself when you switch away, and your recovery phrase is shown only to you. INVITE ONLY FOR NOW We are opening NLO gradually so we can support every new person properly. Join the queue inside the app, or use an invite code from someone already using NLO to come straight in. New places open every Friday. The value of digital assets can go down as well as up. You alone control your wallet and your recovery phrase. If the phrase is lost it cannot be recovered by anyone, including NLO.
Screenshots
Verdict
The clearest difference is update cadence: XNLO at every 9 days against North's every 2 months. North's advantage is iOS requirement (13.0 vs 16.0). 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, XNLO every 9 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.
| Parameter | North | XNLO |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | 16.3% of reviews | — |
| Number of ratings | — | 1 — better |
| Update frequency | Every 2 months | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 99 MB | 53 MB |
| Age rating | 4+ | 17+ |
| Developer | NMMT | LayerOneX |
Customer experience
North
XNLO
In-app purchases
North
No in-app purchases
XNLO
No in-app purchases









