Comparison

Westpac vs MLC

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

MLC

Manage your superannuation, pension, or investment accounts with ease. Securely access your balances, view transactions, update personal details, and track contributions. Find and consolidate lost super, and get notified of payments.

Highlights
  • View account balances
  • Secure login (PIN, Touch ID, Face ID)
  • Check transactions and beneficiaries
  • Review insurance cover
  • Track super contributions
  • Find and consolidate super
  • Update personal details
Features
Read full description

With the MLC app you can: • View your MLC MasterKey super, pension, or investment balances—quickly and simply. • Get secure and easy access, using a PIN, Touch ID or Face ID (only available on compatible devices). • Check transactions, nominated beneficiaries, and your current mix of investment options. • Get notified when you receive a super payment. • Review insurance cover within your super account. • Keep an eye on your super contributions. • Find and consolidate your super. • View your regular investments and withdrawals, distributions, transactions and investment options in your MasterKey investment account. • Update your personal details. • View our super fund details such as our Fund ABN, Product USI, address, and complying fund statement. • Use the app to easily send your super account details to your employer when you change jobs. • View your balance over financial years as a handy, interactive graph. • Get easy access to help and support within the app. Already have MLC online access? Download the app now. You'll need to be registered for MLC online access. Not registered? Simply go to mlc.com.au or call us on 132 652. Please note: • The app doesn’t include information on MLC Wrap, MLC Navigator or products such as standalone insurance. • This app isn’t intended for use by financial advisers.

Screenshots

Westpac4 screens
MLC4 screens

Verdict

The call

The clearest difference is ads: MLC at none against Westpac's shown. MLC also leads on monetization model (free vs free with in-app purchases). Westpac's advantage is update cadence (every 2 weeks vs every 2 months). On price, review sentiment, in-app purchases 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.

UpkeepUpdate frequency

Westpac ships an update every 2 weeks, MLC every 2 months. Both last shipped on October 29, 2026.

Scorecard3 real differences · 7 level
Westpac versus MLC: the parameters behind the verdict, then further details
ParameterWestpacMLC
PriceFreeFree
Rating4.6 (356 ratings) — better—
Positive reviews32.9% of reviews — better30.2% of reviews
Number of ratings356 — better—
Update frequencyEvery 2 weeks — betterEvery 2 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 MB49 MB
Age rating4+4+
DeveloperWestpac Banking CorporationIOOF Service Co Pty Ltd

Customer experience

Westpac

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

MLC

Written reviews43 reviews
Positive30.2%
Neutral18.6%
Negative51.2%

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

MLC

From App Store reviews

What we love

  • 👍 Easy to use
  • 👍 Great for checking balance
  • 👍 Simple and convenient
  • 👍 Access super 24/7
  • 👍 Face recognition login works (sometimes)

Room to improve

  • 🐛 Login button not working
  • 🐛 App crashes frequently
  • 🐛 Face ID issues
  • 🐛 No keyboard presented for login
  • 🐛 App stuck on login page

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

MLC

Reported bugs

11 issues
  • Login button does not work
  • App crashes
  • Face ID/Face recognition signing in issues
  • App stuck on login page
  • Update does not work
Show 6 more
  • Keyboard not presented for login
  • Back button not working
  • White screen on launch
  • Cannot accept terms and conditions
  • App cycles to App Store after update
  • Login details incorrect despite website working

Requested features

11 requests
  • Include rate of return for previous and current year
  • Show balance after every transaction
  • Option to view data by calendar year
  • Add graphs for visualization
  • Manage investments from the app
Show 6 more
  • Improve UI color scheme
  • Add more features like changing portfolio and insurance numbers
  • Update login photo
  • Allow online withdrawal of funds
  • Face recognition login on every login
  • App rotation and better iPad screen utilization

In-app purchases

None

Westpac

No in-app purchases

None

MLC

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is MLC free?
MLC is free to download, with no in-app purchases.
Do Westpac or MLC have ads?
Westpac shows ads; MLC does not.
Which is updated more often, Westpac or MLC?
Westpac ships an update every 2 weeks, and MLC every 2 months. Most recently, Westpac was updated on October 29, 2026 and MLC on October 29, 2026.

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