Comparison

Westpac vs Xero Verify

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

Are you banking with the best app in town? Australia’s Best Banking App three years running* - 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: *This claim is based on The Forrester Digital Experience Review™ of 4 Australian mobile banking apps in Q3 2025. 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

Xero Verify

Enhance your business's online security with this official authentication app. It adds an extra layer of protection to your account, preventing unauthorized access even if your password is compromised. Enjoy fast and secure logins with push notifications or offline verification codes.

Highlights
  • Push notification authentication
  • Generate offline verification codes
  • QR code setup
  • Secure Xero account logins
  • Multi-factor authentication
Features
Read full description

This is the official authentication app developed by Xero Ltd. It's free to use, and Xero will never charge you for it. At Xero, protecting your data is fundamental to everything we do. Just one easily guessed password can stop your business in its tracks. So Xero has put an extra deadbolt on the door to help keep your data secure. This is why Xero uses MFA to secure logins. It significantly reduces the risk of someone gaining access to your account, even if they've managed to obtain your email and password through a phishing attack or malware. The Xero Verify app is simple to use. You can receive push notifications for fast authentication, instead of having to open the app and enter a code into Xero when you login. Simply accept the notification on your device's home screen - it's that easy. Features: * Sign into your Xero account using push notifications on your device (if enabled). * Generate six digit verification codes, even if you don't have a network or mobile connection. * Use Xero Verify to authenticate your Xero account (it can't be used on other products outside Xero) * Easy set up using QR code Permission notice: Camera: Needed to add accounts using QR codes Push notifications: Accept to receive push notifications Follow Xero on Twitter: https://twitter.com/xero/ Join the Xero Facebook Fan page: https://www.facebook.com/Xero.Accounting Privacy policy: https://www.xero.com/about/legal/privacy/ Terms of use: https://www.xero.com/about/legal/terms/

Screenshots

Westpac4 screens
Xero Verify3 screens

Verdict

The call

The clearest difference is rating: Westpac at 4.6 against Xero Verify's 1.4. Westpac also leads on review sentiment (33% vs 15%). Xero Verify's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, ratings volume, update cadence and in-app purchases 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 1.4. Both are backed by a comparable volume of ratings — 343 and 205 respectively. Written reviews point the same way: 33% of Westpac's written reviews are positive against 15% of Xero Verify's.

UpkeepUpdate frequency

Westpac ships an update fortnightly, Xero Verify every 3 weeks. The most recent releases landed on September 23, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
Westpac versus Xero Verify: the parameters behind the verdict, then further details
ParameterWestpacXero Verify
PriceFreeFree
Rating4.6 (343 ratings) — better1.4 (205 ratings)
Positive reviews33.2% of reviews — better14.7% of reviews
Number of ratings343 — better205
Update frequencyFortnightly — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size247 MB10 MB
Age rating4+4+
DeveloperWestpac Banking CorporationXero Ltd

Customer experience

Westpac

All ratings343 ratings
Positive90.7%
Neutral3.2%
Negative6.1%
Written reviews645 reviews
Positive33.2%
Neutral11.0%
Negative55.8%

Xero Verify

All ratings205 ratings
Positive11.2%
Neutral0.5%
Negative88.3%
Written reviews252 reviews
Positive14.7%
Neutral2.0%
Negative83.3%

User reviews

Westpac

From 343 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

Xero Verify

From 205 App Store ratings

What we love

  • 🚀 Seamless integration
  • 🔒 Robust security
  • 👍 Easy to use
  • 🚀 Quick authentication

Room to improve

  • 🐛 Unreliable performance
  • 🔒 Forced MFA requirement
  • 📱 Unnecessary separate app
  • ⏱️ Time-consuming setup
  • 🔑 Difficult to recover from lost credentials

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

Xero Verify

Reported bugs

3 issues
  • Codes not working
  • Repeated login issues
  • Sync problems between app and web

Requested features

3 requests
  • Option to use SMS/email for 2FA
  • Integrate with existing authenticator apps
  • Provide more flexible security settings

In-app purchases

None

Westpac

No in-app purchases

None

Xero Verify

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is Xero Verify free?
Xero Verify is free to download, with no in-app purchases.
Which has better reviews, Westpac or Xero Verify?
Westpac is rated higher. Westpac averages 4.6 out of 5 from 343 ratings, while Xero Verify averages 1.4 from 205 ratings.
Do Westpac or Xero Verify have ads?
Westpac shows ads; Xero Verify does not.
Which is updated more often, Westpac or Xero Verify?
Westpac ships an update fortnightly, and Xero Verify every 3 weeks. Most recently, Westpac was updated on September 23, 2026 and Xero Verify on September 24, 2026.

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