Comparison

St.George Mobile Banking vs Macquarie Authenticator

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

Head to head
About

St.George Mobile Banking

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
Read full description

St.George: Simple and secure banking at your fingertips. Open an everyday banking or savings account in 3 minutes. Make payments • Make fast and secure payments & transfers or schedule them for the future • Apple Pay - Pay with your mobile • Digital Card† - Boost your card security by using the dynamic CVV on your credit or debit card • Verify^ - Adding a new payee? We’ll check the account details you’ve entered have been commonly used Track your spending • ‘Categories’* - Track your spending habits • Set up notifications so you’re notified when your money comes and goes • Expense Splitter - Paid for a shared expense? Keep track of who’s paid you back • 24/7 Fraud monitoring detects any unusual purchase activity on your card Everyday banking tools • Quick Balance - see your account balance at a glance and transfer money between accounts • Activate, lock** or cancel your card • Contact Us from the App to skip security questions~ • ATM & Branch finder – locate your nearest St.George, Bank of Melbourne, BankSA or Westpac ATM or branch Need Help? If you are having issues with our app, delete and re-install it. If issues persist please call us on 13 33 30 (8am – 8pm Mon – Sat). †The terms and conditions applicable to your product also apply to the use of your digital card. Internet and Phone Banking Terms and Conditions also apply. You may not always be able to access your digital card. ^St.George Verify screening is based on the payment information available in our systems, at the time you add your payee details. As we are unable to validate the account details with the recipient bank, we can’t confirm whether the name and account details are an exact match. St.George Verify applies to Internet Banking and Mobile Banking only. It may be affected by such things as system outages or limitations, scheduled maintenance or other factors beyond our control, and may not be available at all times. *This tool provides general information and is intended to be a guide only. Available on savings, transactions and credit card accounts. **Locking your card will temporarily stop new transactions on your card for up to 15 days or until reactivated. The card will automatically reactivate after 15 days if you don’t unlock the card or report the card lost or stolen. ~Standard SMS, call or data charges apply. Read the Terms & Conditions at stgeorge.com.au before making a decision and consider whether the product or service is right for you. Fees and charges may apply. iPhone, iPad, iPod touch and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a Service mark of Apple Inc. St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL Australian credit licence 233714.

About

Macquarie Authenticator

Enhance your account security with this app, offering push notifications for transaction approval or denial and generating one-time passcodes for authentication. It provides a faster, more secure alternative to SMS, especially when traveling internationally.

Highlights
  • Push notifications for transaction approval/denial
  • Generate one-time rolling codes
  • Offline authentication with rolling codes
  • Manage pending tasks
  • PIN, fingerprint, and facial recognition unlock
Features
Read full description

Protect your Macquarie account with Macquarie Authenticator. Our two-factor authentication app is designed to maximise your security, while also providing a beautiful banking experience.​ Separate security, seamless experience Macquarie Authenticator works seamlessly with the Macquarie Mobile Banking app. Approve or deny requests in an instant, directly through your notifications, for stronger security that feels like a single, seamless flow. More secure than SMS  Unlike with SMS, you can see exactly what you’re approving. We send detailed alerts directly to your secure app, not your phone number. You’re in control Verify important transaction details upfront, such as the amount, recipient and location, so you can approve or deny transactions with confidence.

Screenshots

St.George Mobile Banking4 screens
Macquarie Authenticator3 screens

Verdict

The call

The clearest difference is monetization model: Macquarie Authenticator at free against St.George Mobile Banking's free with in-app purchases. Macquarie Authenticator also leads on update cadence (every 4 weeks vs every 3 months). St.George Mobile Banking's advantage is ratings volume (15 vs 2). On price, rating, review sentiment and ads 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

On the App Store both sit at effectively the same score — 2.9 for St.George Mobile Banking against 3.0 for Macquarie Authenticator. That said, the two scores are not equally well evidenced: St.George Mobile Banking has 15 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 20% of St.George Mobile Banking's written reviews are positive against 15% of Macquarie Authenticator's.

UpkeepUpdate frequency

St.George Mobile Banking ships an update every 3 months, Macquarie Authenticator every 4 weeks. The most recent releases landed on September 22, 2026 and September 26, 2026 respectively.

Scorecard3 real differences · 7 level
St.George Mobile Banking versus Macquarie Authenticator: the parameters behind the verdict, then further details
ParameterSt.George Mobile BankingMacquarie Authenticator
PriceFreeFree
Rating2.9 (15 ratings)3.0 (2 ratings) — better
Positive reviews20.2% of reviews — better14.8% of reviews
Number of ratings15 — better2
Update frequencyEvery 3 monthsEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size83 MB185 MB
Age rating4+4+
DeveloperSt.George Bank LimitedMacquarie Bank Limited

Customer experience

St.George Mobile Banking

All ratings15 ratings
Positive40.0%
Neutral20.0%
Negative40.0%
Written reviews168 reviews
Positive20.2%
Neutral6.0%
Negative73.8%

Macquarie Authenticator

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews108 reviews
Positive14.8%
Neutral4.6%
Negative80.6%

Bugs and requests

St.George Mobile Banking

Reported bugs

28 issues
  • 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
Show 23 more
  • SSL errors on connection
  • Password field caps at 13 characters despite longer password set
  • Quick login feature doesn't work
  • App logs out unexpectedly
  • Biometric authentication forgets settings
  • Cannot paste passwords in login field
  • Connection error messages despite active internet
  • App crashes after iOS updates
  • Features show blank pages (travel notifications, account details, ID verification)
  • Advanced repayment tracking not updating
  • Credit card rewards points slow to display
  • Cardless withdrawal option removed/broken
  • Digital card feature not functional
  • Widget disappeared after iOS 18 update
  • New customer signup redirect broken
  • Account creation errors on website
  • Incompatible with iPhone 15 Pro Max
  • Transaction receipt shows account balance (privacy issue)
  • Mortgage payment status not tracked
  • App crashes on iPad Pro with iOS 18.1.1
  • Worldwide Wallet access issues while traveling
  • Server outages announced as fixed before actually resolved
  • Bad URL errors on app and website

Requested features

16 requests
  • 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)
Show 11 more
  • Improve password security standards (allow special characters, longer length)
  • Create offset accounts within app (no phone call required)
  • Real-time transaction notifications
  • Better PayID transfer limit explanations
  • Improve statement generation (instant access, custom date ranges)
  • Add Apple Pay and Fitbit Pay support
  • Redesign app from ground up for modern UX
  • Implement zero-trust security model
  • Add MFA (Multi-Factor Authentication) support
  • Better fraud department accessibility
  • Improve debit card linking clarity for multiple accounts

Macquarie Authenticator

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

St.George Mobile Banking

No in-app purchases

None

Macquarie Authenticator

No in-app purchases

Questions

Is St.George Mobile Banking free?
St.George Mobile Banking is free to download, with no in-app purchases.
Is Macquarie Authenticator free?
Macquarie Authenticator is free to download, with no in-app purchases.
Which has better reviews, St.George Mobile Banking or Macquarie Authenticator?
Macquarie Authenticator is rated higher. St.George Mobile Banking averages 2.9 out of 5 from 15 ratings, while Macquarie Authenticator averages 3.0 from 2 ratings.
Do St.George Mobile Banking or Macquarie Authenticator have ads?
Neither St.George Mobile Banking nor Macquarie Authenticator shows ads.
Which is updated more often, St.George Mobile Banking or Macquarie Authenticator?
St.George Mobile Banking ships an update every 3 months, and Macquarie Authenticator every 4 weeks. Most recently, St.George Mobile Banking was updated on September 22, 2026 and Macquarie Authenticator on September 26, 2026.

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