Westpac vs True Rewards
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Secure banking
- Smart tools
- Money management
- Financial insights
- Personal and business banking
- Easy payments
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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.
True Rewards
Manage your True Rewards Visa Gift Card and digital rewards on the go. Securely check your balance, view transaction history, and add your gift card to your digital wallet for easy spending anywhere Apple Pay is accepted.
- Check card balance
- View transaction history
- Add gift cards to Apple Wallet
- Secure gift card access
- Spend with Apple Pay
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Access your True Rewards Visa Gift Card and digital rewards instantly and securely. FEATURES: • Easily check your card balance • View transaction history • Add your gift cards to your Apple Wallet • Access your Gift Card securely • Spend anywhere Apple Pay is available If you've received an SMS to activate a Gift Card, use these details to login to the app and claim your gift card instantly. Happy spending!
Screenshots
Verdict
The clearest difference is ads: True Rewards at none against Westpac's shown. True Rewards also leads on monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 16.0). Westpac's advantage is review sentiment (33% vs 7%) and update cadence (every 2 weeks vs every 2 months). On price, 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
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, True Rewards every 2 months. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.
| Parameter | Westpac | True Rewards |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (356 ratings) — better | — |
| Positive reviews | 32.9% of reviews — better | 7.4% of reviews |
| Number of ratings | 356 — better | — |
| Update frequency | Every 2 weeks — better | Every 2 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 264 MB | 74 MB |
| Age rating | 4+ | 4+ |
| Developer | Westpac Banking Corporation | True Rewards Pty Ltd |
Customer experience
Westpac
True Rewards
User reviews
Westpac
From 356 App Store ratingsWhat 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
True Rewards
From App Store reviewsWhat we love
- 👍 Good customer service (rare instances)
- 🚀 Quick setup (rare instances)
Room to improve
- 🐛 App won't work
- 🐛 Cannot log in
- 🐛 App crashes/freezes
- 🐛 Activation screen issues
- 🐛 Gift card not usable
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
True Rewards
Reported bugs
37 issues- App won't work
- Cannot log in
- App crashes/freezes
- Activation screen issues
- Gift card not usable
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- Adding to wallet fails
- Slow to respond
- Server constantly crashing
- App won't open
- Spinning wheel of death
- Mobile number not found
- Useless support
- Card expired unexpectedly
- App won't install
- SMS card detail button broken
- Error displaying card token
- Login screen freezes
- Incompatible with older devices
- App always stops working inconvenient times
- Transactions declining
- Cannot access gift card
- Cannot activate gift card
- App keeps resetting
- App opens to activation screen with no way past
- Cannot use e-gift card
- Cannot download gift card to wallet
- Tried all suggestions, nothing works
- Takes 30 clicks to add card to wallet
- Only 1 out of 6 cards added successfully
- App won't get past activation screen
- No way past activation screen
- No SMS received for activation
- Not looking to activate a card
- App won't work for phone number
- Tried every way for phone number, nothing works
- Need more work into the app
- Did not pay $50 for nothing
In-app purchases
Westpac
No in-app purchases
True Rewards
No in-app purchases
Questions
Is Westpac free?
Is True Rewards free?
Do Westpac or True Rewards have ads?
Which is updated more often, Westpac or True Rewards?
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