# St.George Mobile Banking vs MLC

The clearest difference is monetization model: MLC at free against St.George Mobile Banking's free with in-app purchases. MLC also leads on review sentiment (30% vs 20%). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

St.George Mobile Banking ships an update every 3 months, MLC every 2 months. The most recent releases landed on September 26, 2026 and September 2, 2026 respectively.

## The numbers

| Metric | St.George Mobile Banking | MLC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (15 ratings)](https://appshunter.io/ios/app/stgeorge-mobile-banking/id294380705/reviews)** | — |
| Number of ratings | **15** | — |
| Positive reviews | 20.2% of reviews | **30.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 83 MB | 49 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [St.George Bank Limited](https://appshunter.io/developer/294380708) | [IOOF Service Co Pty Ltd](https://appshunter.io/developer/1453139490) |

## What reviewers say

### St.George Mobile Banking

[App page](https://appshunter.io/ios/app/stgeorge-mobile-banking/id294380705)

Manage your finances securely and conveniently from your mobile device. Open accounts, make payments, track spending with categorization, and access everyday banking tools like card management and a branch locator.

**Highlights:** Open accounts in minutes, Fast and secure payments, Schedule future transfers, Track spending by category, Set up spending notifications, Activate, lock, or cancel cards, ATM and branch finder

**Features:** macOS Compatibility, Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- ✅ Basic banking functions work reliably (transfers, bill payments)
- 🔒 Secure and trustworthy for core operations
- 👍 Easy navigation for simple tasks
- 💼 Useful for overseas banking
- ⏱️ Convenient mobile banking access

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- 🔄 Constant forced logouts
- ⚠️ Outdated and clunky user interface
- 🔐 Poor password security standards (max 12 characters, no special characters)
- ❌ Password manager incompatible (cannot paste passwords)

**Reported bugs**

- App freezes and requires reinstallation
- Face ID fails intermittently and resets frequently
- Login fails with 'cancelled' message after entering credentials
- Spinning wheel of death (loading indefinitely)
- Blank white screens when accessing features

**Requested features**

- Update widget for iOS 18 compatibility
- Restore quick balance home screen widget
- Add digital card to Apple Wallet support
- Implement savings goals and tracking features
- Add password manager support (allow paste functionality)


### MLC

[App page](https://appshunter.io/ios/app/mlc/id1409473189)

Manage your superannuation, pension, or investment accounts with ease. Securely access your balances, view transactions, update personal details, and track contributions. Find and consolidate lost super, and get notified of payments.

**Highlights:** View account balances, Secure login (PIN, Touch ID, Face ID), Check transactions and beneficiaries, Review insurance cover, Track super contributions, Find and consolidate super, Update personal details

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is St.George Mobile Banking free?

St.George Mobile Banking is free to download, with no in-app purchases.

### Is MLC free?

MLC is free to download, with no in-app purchases.

### Do St.George Mobile Banking or MLC have ads?

Neither St.George Mobile Banking nor MLC shows ads.

### Which is updated more often, St.George Mobile Banking or MLC?

St.George Mobile Banking ships an update every 3 months, and MLC every 2 months. Most recently, St.George Mobile Banking was updated on September 26, 2026 and MLC on September 2, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*