Comparison

St.George Mobile Banking vs Westpac

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

Westpac

Manage your finances with a secure and smart banking application. It offers tools for everyday banking, money management, and insights to boost your financial confidence. Seamlessly switch between personal and business accounts.

Highlights
  • Secure banking
  • Smart tools
  • Money management
  • Financial insights
  • Personal and business banking
  • Easy payments
Features
Read full description

Make the most of your money with the Westpac App. Secure, smart, and packed with handy tools for everyday banking. With the latest security features and payments made simple, you can bank with confidence. You'll also have access to money management tools and insights, designed to make it easier to plan, keep track of things and increase your money confidence. Business banking? Switch seamlessly from personal to business banking in the App, so you can manage your money in one place. Things you should know: Read the Westpac Online Banking Terms and Conditions at westpac.com.au/westpacliveterms before making a decision and consider whether the product is right for you. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. ©Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Screenshots

St.George Mobile Banking4 screens
Westpac4 screens

Verdict

The call

The clearest difference is rating: Westpac at 4.6 against St.George Mobile Banking's 2.9. Westpac also leads on update cadence (every 2 weeks vs every 3 months) and ratings volume (356 vs 15). St.George Mobile Banking's advantage is ads (none vs shown). On price, in-app purchases, monetization model and device support 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

Westpac holds the better App Store score, 4.6 against 2.9. That said, the two scores are not equally well evidenced: Westpac has 356 ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 19% of St.George Mobile Banking's written reviews are positive against 33% of Westpac's.

UpkeepUpdate frequency

St.George Mobile Banking ships an update every 3 months, Westpac every 2 weeks. Both last shipped on October 29, 2026.

Scorecard5 real differences · 5 level
St.George Mobile Banking versus Westpac: the parameters behind the verdict, then further details
ParameterSt.George Mobile BankingWestpac
PriceFreeFree
Rating2.9 (15 ratings)4.6 (356 ratings) — better
Positive reviews19.3% of reviews32.9% of reviews — better
Number of ratings15356 — better
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size83 MB264 MB
Age rating4+4+
DeveloperSt.George Bank LimitedWestpac Banking Corporation

Customer experience

St.George Mobile Banking

All ratings15 ratings
Positive40.0%
Neutral20.0%
Negative40.0%
Written reviews187 reviews
Positive19.3%
Neutral5.3%
Negative75.4%

Westpac

All ratings356 ratings
Positive90.4%
Neutral3.4%
Negative6.2%
Written reviews689 reviews
Positive32.9%
Neutral10.6%
Negative56.5%

User reviews

St.George Mobile Banking

From 15 App Store ratings

What we love

  • ✅ 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

Room to improve

  • 🐛 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)

Westpac

From 356 App Store ratings

What we love

  • 🚀 Quick and efficient
  • 🔒 Secure banking
  • 👍 User-friendly interface
  • 💡 Convenient features like cardless cash withdrawals

Room to improve

  • 🐛 Crashes and freezes
  • 🔑 Login issues due to customer ID format limitations
  • 🕰️ Slow performance and loading times
  • 🤖 Unreliable chatbot/virtual assistant
  • 💤 Frequent log-outs and loss of saved login details

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

Westpac

Reported bugs

4 issues
  • Inability to log in due to customer ID format issues
  • Transactions not displaying correctly or in the right order
  • Repeated crashes and freezes, especially after updates
  • Quick balance feature not working reliably

Requested features

5 requests
  • Dark mode option
  • Improved transaction history and budgeting tools
  • Support for Apple Pay and other mobile payment options
  • Better notification system for account activity
  • Ability to customize app layout and features

In-app purchases

None

St.George Mobile Banking

No in-app purchases

None

Westpac

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 Westpac free?
Westpac is free to download, with no in-app purchases.
Which has better reviews, St.George Mobile Banking or Westpac?
Westpac is rated higher. St.George Mobile Banking averages 2.9 out of 5 from 15 ratings, while Westpac averages 4.6 from 356 ratings.
Do St.George Mobile Banking or Westpac have ads?
Westpac shows ads; St.George Mobile Banking does not.
Which is updated more often, St.George Mobile Banking or Westpac?
St.George Mobile Banking ships an update every 3 months, and Westpac every 2 weeks. Most recently, St.George Mobile Banking was updated on October 29, 2026 and Westpac on October 29, 2026.

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