# Westpac vs Xero Verify

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.

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

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.

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

## The numbers

| Metric | Westpac | Xero Verify |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (343 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews)** | [1.4 (205 ratings)](https://appshunter.io/ios/app/xero-verify/id1510862201/reviews) |
| Number of ratings | **343** | 205 |
| Positive reviews | **33.2% of reviews** | 14.7% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 247 MB | 10 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) | [Xero Ltd](https://appshunter.io/developer/441878596) |

## 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


### Xero Verify

[App page](https://appshunter.io/ios/app/xero-verify/id1510862201)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


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