Comparison

Westpac vs BT Panorama

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

Head to head
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.

About

BT Panorama

Access and manage your investment accounts on the go. View portfolio performance, trade securities, make payments, and get market insights. Secure login options and virtual assistant support are available.

Highlights
  • View portfolio balance and performance
  • Trade listed securities and managed funds
  • Make payments and schedule transactions
  • Access market information and ESG data
  • Secure login with biometrics
  • Virtual assistant support
Features
Read full description

The BT Panorama mobile app provides advisers, practice professionals, and investors with easy access to their accounts via mobile. Signing in to the app is fast and secure with Face ID, 4-digit passcode or fingerprint technology², or you can use your Panorama username and password. For BT Panorama advisers and practice professionals: The mobile app lets you take your business with you, with features including: · View a summary of your total funds under administration, active accounts, net flows and fees from the business overview dashboard · Search client accounts, and view what your clients view including total portfolio balance and performance details · Drill down into market information for shares and managed funds in your clients’ portfolios, for a quick snapshot of the latest prices, asset performance, ESG and key information · Buy, sell and track orders for term deposits, managed funds, managed portfolios and listed securities (where applicable) · View your clients' cash account summaries and make payments to existing accounts on their behalf, where authorised · View messages, consent and service request status, updates, product news and alert notifications · Ask Blue, BT’s virtual assistant or chat to a consultant For BT Panorama investors: Use the mobile app to access your account on the go, with features including: · View your total portfolio balance and performance by investment, which can include any term deposit, listed security, managed fund and managed portfolio investments · Drill down into market information for shares and managed funds in your portfolio for a quick snapshot of the latest prices, asset performance, ESG and key information · Make payments, deposits and schedule transactions, and add linked, payee and BPAY®³ accounts · Trade all investment types and track the progress of investment orders, where authorised · Apply filters to view transaction history and details · View and update personal details, where authorised · View important notices, messages, forms and requests, consent requests and alerts, and access the Benefits Now portal · Review and download your statements, reports and disclosure documents · Ask Blue, BT’s virtual assistant or chat to a consultant For BT super members: BT Super merged into the Mercer Super Trust on 1 April 2023. If you have any queries, contact Mercer Super on 1800 682 525 Mon to Fri 8am – 7pm (AEST) or https://www.mercersuper.com.au/contact-mercer-super/ This app is only available for BT Panorama advisers and BT Panorama investors. For more information: Advisers – call 1300 784 207 Investors – call 1300 881 716 Important: ¹ You must be an investor in Australia resident to use this app. ² Your phone must be able to support this technology. Requires iOS 14 or greater. Westpac Banking Corporation ABN 33 007 457 141 provides the facility for making payments by BPAY®³ and Pay Anyone (excluding payments to linked accounts). Refer to the BT Cash Management Account and BT Cash Management Account Saver and related Payment Services Terms and Conditions, for the terms and conditions applying to this facility. By installing the application, and each time you use the application, you acknowledge and accept the BT Panorama Mobile Application Terms and Conditions, and any amendments to them made available electronically through the BT Panorama Mobile Application. ³ Registered to BPAY® Pty Limited ABN 69 079 137 518

Screenshots

Westpac4 screens
BT Panorama4 screens

Verdict

The call

The clearest difference is ads: BT Panorama at none against Westpac's shown. BT Panorama also leads on monetization model (free vs free with in-app purchases). Westpac's advantage is update cadence (every 2 weeks vs every 4 months) and review sentiment (33% vs 23%). On price, in-app purchases, device support and iOS requirement 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.

UpkeepUpdate frequency

Westpac ships an update every 2 weeks, BT Panorama every 4 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
Westpac versus BT Panorama: the parameters behind the verdict, then further details
ParameterWestpacBT Panorama
PriceFreeFree
Rating4.6 (356 ratings) — better—
Positive reviews33.4% of reviews — better22.7% of reviews
Number of ratings356 — better—
Update frequencyEvery 2 weeks — betterEvery 4 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size264 MB52 MB
Age rating4+4+
DeveloperWestpac Banking CorporationBT Financial Group Pty Ltd

Customer experience

Westpac

All ratings356 ratings
Positive90.4%
Neutral3.4%
Negative6.2%
Written reviews671 reviews
Positive33.4%
Neutral10.9%
Negative55.7%

BT Panorama

Written reviews66 reviews
Positive22.7%
Neutral6.1%
Negative71.2%

User reviews

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

BT Panorama

From App Store reviews

What we love

  • 👍 Easy to use and navigate
  • 👍 Great app functionality
  • 👍 Good market information
  • 👍 Reliable for tracking balances
  • 👍 Powerful functionality

Room to improve

  • 🐛 Frequent login issues
  • 🐛 App crashes often
  • 🐛 Technical difficulties/maintenance
  • 🐛 Inaccessible frequently
  • 🐛 Updates cause problems

Bugs and requests

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

BT Panorama

Reported bugs

30 issues
  • Forced to update frequently
  • Facial recognition and PIN issues
  • App crashes when accessing certain areas
  • App shuts down when accessing beneficiaries
  • Login issues after updates
Show 25 more
  • Performance charts not working after update
  • No field to enter 2FA code
  • Quick sign-in goes in a loop after iOS upgrade
  • Biometrics not working
  • Cannot manually enter login credentials
  • App always under maintenance or inaccessible
  • Constant errors preventing login
  • Toggle for external investments not saved
  • Cannot setup quick sign-in
  • Facial recognition or quick code setup not working
  • Links to setup Face ID/PIN squashed
  • Locked out by an 'improvement'
  • Verification code repeatedly marked as wrong
  • App will not allow review of site
  • App always down for maintenance
  • App offline for extended periods
  • App constantly looping, requires delete/reinstall
  • Cannot reload app from App Store
  • Keeps losing quick login data
  • Not supported when things go wrong
  • Connection error when trying to access super
  • Stuck on 'getting account information'
  • Market movements take days to update
  • Occasionally wrong data
  • Search function for new investments is terrible

Requested features

5 requests
  • Display term deposits in maturity date order
  • 24/7 online chat support
  • Compare super performance against ASX 200
  • Face recognition login
  • Dark mode option

In-app purchases

None

Westpac

No in-app purchases

None

BT Panorama

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is BT Panorama free?
BT Panorama is free to download, with no in-app purchases.
Do Westpac or BT Panorama have ads?
Westpac shows ads; BT Panorama does not.
Which is updated more often, Westpac or BT Panorama?
Westpac ships an update every 2 weeks, and BT Panorama every 4 months. Most recently, Westpac was updated on October 24, 2026 and BT Panorama on October 22, 2026.

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