# St.George Mobile Banking vs Macquarie Authenticator

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.

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. Both last shipped on September 26, 2026.

## The numbers

| Metric | St.George Mobile Banking | Macquarie Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (15 ratings)](https://appshunter.io/ios/app/stgeorge-mobile-banking/id294380705/reviews) | **[3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews)** |
| Number of ratings | **15** | 2 |
| Positive reviews | **20.2% of reviews** | 14.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 83 MB | 185 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [St.George Bank Limited](https://appshunter.io/developer/294380708) | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) |

## 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)


### Macquarie Authenticator

[App page](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749)

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:** 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 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 26, 2026 and Macquarie Authenticator on September 26, 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.*