# Westpac vs Beem

The clearest difference is ads: Beem at none against Westpac's shown. Beem also leads on review sentiment (58% vs 33%). Westpac's advantage is update cadence (every 2 weeks vs every 2 months). On price, rating, ratings volume and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Beem holds the better App Store score, 4.7 against 4.6. Both are backed by a comparable volume of ratings — 356 and 154 respectively. Written reviews point the same way: 33% of Westpac's written reviews are positive against 58% of Beem's.

Westpac ships an update every 2 weeks, Beem every 2 months. The most recent releases landed on November 1, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | Westpac | Beem |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (356 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews) | **[4.7 (154 ratings)](https://appshunter.io/ios/app/beem-digital-wallet/id1363864739/reviews)** |
| Number of ratings | **356** | 154 |
| Positive reviews | 33.4% of reviews | **57.6% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 264 MB | 98 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Westpac Banking Corporation](https://appshunter.io/developer/299111814) | [Beem It](https://appshunter.io/developer/1363864738) |

## What reviewers say

### Westpac

[App page](https://appshunter.io/ios/app/westpac/id299111811)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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


### Beem

[App page](https://appshunter.io/ios/app/beem-digital-wallet/id1363864739)

Manage your money, split bills, and earn rewards all in one secure digital wallet. Pay, request, and transfer funds easily with contacts, and store loyalty and gift cards. Offers cashback and integrated BPAY for bill payments.

**Highlights:** Send and request money, Split bills with contacts, Earn cashback rewards, Store loyalty cards, Integrated BPAY for bills, Send digital gift cards

**Features:** Siri integration, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy payments
- 💳 Convenient for splitting bills and expenses
- 🤝 Great for friend groups and co-living
- 💰 No bank fees for transfers
- 🤖 Simple and intuitive interface

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Overly strict verification process
- 🔄 Repeated security checks for payments
- 💳 Issues with adding and verifying cards
- 🤔 Unclear expense splitting calculations

**Reported bugs**

- App not loading or freezing after updates
- Payments not showing up or getting lost
- Inability to remove or change linked cards
- Account verification issues and lockouts
- Loyalty card feature not functioning properly

**Requested features**

- Add search function to find past transactions
- Allow admins to close payment groups
- Integrate receipt/bill upload for expenses
- Provide option to change payment split ratios
- Add support for international users and cards


## Frequently asked questions

### Is Westpac free?

Westpac is free to download, with no in-app purchases.

### Is Beem free?

Beem is free to download, with no in-app purchases.

### Which has better reviews, Westpac or Beem?

Beem is rated higher. Westpac averages 4.6 out of 5 from 356 ratings, while Beem averages 4.7 from 154 ratings.

### Do Westpac or Beem have ads?

Westpac shows ads; Beem does not.

### Which is updated more often, Westpac or Beem?

Westpac ships an update every 2 weeks, and Beem every 2 months. Most recently, Westpac was updated on November 1, 2026 and Beem on October 29, 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.*