Comparison

Westpac vs Bank First App

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

Bank First App

Manage your bank accounts securely on the go. Transfer funds instantly, pay bills, track savings goals, and manage your cards. Access transaction history, update contact details, and customize your banking experience.

Highlights
  • Secure login with biometrics
  • Instant money transfers (Osko)
  • Bill payments (BPAY)
  • Savings goal tracking
  • Card management (lock, unlock, replace)
  • Transaction history
  • Account nickname customization
Features
Read full description

Features include: • Quick and secure access with a PIN, pattern, Touch ID or Face ID. • Transfer money instantly using Osko. • Make one-off or set up recurring payments and pay bills via BPAY. • Manage your payees and two-to-sign payments. • Manage your daily transfer limits across Osko, BPAY and external transfers. • Share your bank account details and let others know you’ve paid them via SMS or email. • View interest rates for your savings, term deposit and loan accounts. • Update your contact details. • Manage your finances and settings via the profile menu. • Create nicknames for all your accounts. • Let us know if you’re travelling overseas. • Set a savings goal and track your progress. • See full transaction history (up to 18 months). • Set a quick balance for your favourite account which can be viewed before logging in. • View all our latest product information. • Access tools and calculators to help you manage your money. • Customise your home screen. • Manage your card for Australian and/or international transactions. • Change the PIN on your Bank First cards. • Lock, unlock your Bank First card and order a replacement. • Replace lost or stolen cards directly from the app. Things you should know: • This app is available for Bank First Members only. • Mobile data downloading or internet usage charges may apply, check with your internet service providers or your mobile phone service provider. • Whilst we endeavour to, the app is not compatible with all devices and operating systems. • To view our full terms and conditions visit bankfirst.com.au/help/internet-banking-terms-and-conditions We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.

Screenshots

Westpac4 screens
Bank First App4 screens

Verdict

The call

The clearest difference is ads: Bank First App at none against Westpac's shown. Bank First App also leads on monetization model (free vs free with in-app purchases). Westpac's advantage is update cadence (every 2 weeks vs every 5 months) and review sentiment (33% vs 8%). 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, Bank First App every 5 months. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

Scorecard4 real differences · 6 level
Westpac versus Bank First App: the parameters behind the verdict, then further details
ParameterWestpacBank First App
PriceFreeFree
Rating4.6 (356 ratings) — better—
Positive reviews33.4% of reviews — better8.0% of reviews
Number of ratings356 — better—
Update frequencyEvery 2 weeks — betterEvery 5 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size264 MB108 MB
Age rating4+4+
DeveloperWestpac Banking CorporationVictoria Teachers Limited

Customer experience

Westpac

All ratings356 ratings
Positive90.4%
Neutral3.4%
Negative6.2%
Written reviews706 reviews
Positive33.4%
Neutral10.6%
Negative55.9%

Bank First App

Written reviews75 reviews
Positive8.0%
Neutral10.7%
Negative81.3%

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

Bank First App

From App Store reviews

What we love

  • 👍 Generally reliable (historically)
  • 👍 Good design (some users)
  • 👍 Fresh new look (some users)

Room to improve

  • 🐛 Frequent crashes/freezes
  • 🐛 App won't open/launch
  • 🐛 Unreliable/unavailable often
  • 🐛 Login issues (PIN, Face ID, Touch ID)
  • 🐛 Session timed out issues

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

Bank First App

Reported bugs

17 issues
  • App crashes on launch
  • App freezes frequently
  • App unavailable for hours
  • Locked out of app
  • App won't open after update
Show 12 more
  • Self-promoting ads cannot be turned off
  • Cannot filter transaction types
  • Spinning animation on screen transitions
  • NPP Osko disappeared
  • Update forces browser version for landscape on iPad
  • Touch ID/Face ID not working
  • PIN errors after session timeout
  • Quick balance setup glitches
  • Token not accepted/invalid
  • Numeric-only keypad for password
  • Cannot see typing during transfers
  • Face ID update reverts to PIN entry, then crashes

Requested features

10 requests
  • Ability to nickname/rename accounts
  • Ability to reorder accounts
  • Hide own accounts from screen
  • Download statements as PDF
  • View amount to clear credit card balance
Show 5 more
  • Dark mode option
  • More detailed transaction info on click
  • Beta testing before release
  • Remove self-promoting ads
  • Allow users to rearrange accounts

In-app purchases

None

Westpac

No in-app purchases

None

Bank First App

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is Bank First App free?
Bank First App is free to download, with no in-app purchases.
Do Westpac or Bank First App have ads?
Westpac shows ads; Bank First App does not.
Which is updated more often, Westpac or Bank First App?
Westpac ships an update every 2 weeks, and Bank First App every 5 months. Most recently, Westpac was updated on November 1, 2026 and Bank First App on November 2, 2026.

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