# Westpac vs MLC

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.

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

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

## The numbers

| Metric | Westpac | MLC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (356 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews)** | — |
| Number of ratings | **356** | — |
| Positive reviews | **32.9% of reviews** | 30.2% 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** |
| Size | 264 MB | 49 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Westpac Banking Corporation](https://appshunter.io/developer/299111814) | [IOOF Service Co Pty Ltd](https://appshunter.io/developer/1453139490) |

## 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


### MLC

[App page](https://appshunter.io/ios/app/mlc/id1409473189)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Login button does not work
- App crashes
- Face ID/Face recognition signing in issues
- App stuck on login page
- Update does not work

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*