Comparison

Westpac vs ANZ Digital Key

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

ANZ Digital Key

Securely log in and approve transactions for specific ANZ digital channels using biometric authentication or a PIN. This free app offers a faster and more convenient way to manage your banking securely.

Highlights
  • Biometric login (Face ID, Fingerprint ID)
  • PIN authentication
  • Secure transaction approval
  • Faster banking access
  • Enhanced channel security
Read full description

At ANZ we’re committed to helping you bank simply, safely, securely and conveniently. ANZ Digital Key (ADK) allows you to log on and perform approval activities via Face ID, Fingerprint ID or a PIN in certain ANZ Digital Channels. It enhances the channel security capabilities, providing a free, faster and more convenient method for customers to securely transact with ANZ. For customers completing ANZ's identity verification (eKYC) process, ANZ Digital Key may be used to securely read the microchip in supported ePassports using your phone's NFC (Near-Field Communication) capability. ADK is applicable to specific ANZ customers and ANZ Digital Channels. Please note: 1. To use this app: a) Your ANZ Digital Services User ID must be authorised to use ADK. b) Your device must be running iOS 16.4 or later. 2. It is advisable to have protective software, such as antivirus, installed on your device for security purposes. 3. ADK may require access to the following device resources: a) Camera - For scanning QR codes and enabling Face ID. b) Biometrics - For Fingerprint ID or Face ID. c) Notifications - To receive push notifications. d) NFC - To securely read the microchip in supported ePassports when completing ANZ's identity verification (eKYC) process. For further information about staying safe when banking online, visit http://www.anz.com/onlinesecurity. For further information about ANZ Digital Key, please contact your ANZ representative. Customer service contact details can also be found at http://anz.com/servicecentres. ANZ Digital Key is provided by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ("ANZBGL"). iPhone and iPad are trademarks of Apple Inc.

Screenshots

Westpac4 screens
ANZ Digital Key4 screens

Verdict

The call

The clearest difference is rating: Westpac at 4.6 against ANZ Digital Key's 4.0. Westpac also leads on update cadence (fortnightly vs every 5 months) and ratings volume (355 vs 4). ANZ Digital Key's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). 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.

ReceptionRating · Positive reviews · Number of ratings

Westpac holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Westpac has 355 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 33% of Westpac's written reviews are positive against 25% of ANZ Digital Key's.

UpkeepUpdate frequency

Westpac ships an update fortnightly, ANZ Digital Key every 5 months. The most recent releases landed on September 26, 2026 and September 10, 2026 respectively.

Scorecard6 real differences · 4 level
Westpac versus ANZ Digital Key: the parameters behind the verdict, then further details
ParameterWestpacANZ Digital Key
PriceFreeFree
Rating4.6 (355 ratings) — better4.0 (4 ratings)
Positive reviews33.4% of reviews — better25.0% of reviews
Number of ratings355 — better4
Update frequencyFortnightly — betterEvery 5 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better16.4
Further details — not scored
Size265 MB55 MB
Age rating4+4+
DeveloperWestpac Banking CorporationANZ Banking Group Limited

Customer experience

Westpac

All ratings355 ratings
Positive91.0%
Neutral3.1%
Negative5.9%
Written reviews656 reviews
Positive33.4%
Neutral10.8%
Negative55.8%

ANZ Digital Key

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews4 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

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

ANZ Digital Key

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Westpac

No in-app purchases

None

ANZ Digital Key

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is ANZ Digital Key free?
ANZ Digital Key is free to download, with no in-app purchases.
Which has better reviews, Westpac or ANZ Digital Key?
Westpac is rated higher. Westpac averages 4.6 out of 5 from 355 ratings, while ANZ Digital Key averages 4.0 from 4 ratings.
Do Westpac or ANZ Digital Key have ads?
Westpac shows ads; ANZ Digital Key does not.
Which is updated more often, Westpac or ANZ Digital Key?
Westpac ships an update fortnightly, and ANZ Digital Key every 5 months. Most recently, Westpac was updated on September 26, 2026 and ANZ Digital Key on September 10, 2026.

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