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.
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.
- 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
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | St.George Mobile Banking | Macquarie Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (15 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 20.2% of reviews — better | 14.8% of reviews |
| Number of ratings | 15 — better | 2 |
| Update frequency | Every 3 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, Apple Watch — better | iPhone, iPad |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 83 MB | 185 MB |
| Age rating | 4+ | 4+ |
| Developer | St.George Bank Limited | Macquarie Bank Limited |
Customer experience
St.George Mobile Banking
Macquarie Authenticator
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
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- 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)
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- 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
St.George Mobile Banking
No in-app purchases
Macquarie Authenticator
No in-app purchases
Questions
Is St.George Mobile Banking free?
Is Macquarie Authenticator free?
Which has better reviews, St.George Mobile Banking or Macquarie Authenticator?
Do St.George Mobile Banking or Macquarie Authenticator have ads?
Which is updated more often, St.George Mobile Banking or Macquarie Authenticator?
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