# Westpac vs GIO App

The clearest difference is ads: GIO App at none against Westpac's shown. GIO App also leads on rating (5.0 vs 4.6) and monetization model (ad-supported vs free with in-app purchases). Westpac's advantage is ratings volume (355 vs 1) and update cadence (fortnightly vs every 5 weeks). 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.

GIO App holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Westpac has 355 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 33% of Westpac's written reviews are positive against 29% of GIO App's, so the app with the better star average is not the one people write more warmly about.

Westpac ships an update fortnightly, GIO App every 5 weeks. The most recent releases landed on October 16, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Westpac | GIO App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (355 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/gio-app/id1580340581/reviews)** |
| Number of ratings | **355** | 1 |
| Positive reviews | **33.4% of reviews** | 28.6% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 265 MB | 246 MB |
| Requires iOS | **16.0** | 18.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Westpac Banking Corporation](https://appshunter.io/developer/299111814) | [AAI Limited](https://appshunter.io/developer/666174181) |

## 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


### GIO App

[App page](https://appshunter.io/ios/app/gio-app/id1580340581)

Easily manage supported insurance policies on the go. Update personal and payment details, make renewals, and check policy documents. Track claims, receive status updates, and get important notifications like renewals and weather alerts.

**Highlights:** Manage insurance policies, Update personal details, Make renewal payments, Check policy documents, Track home and motor claims, Receive status updates, Policy notifications and weather alerts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Westpac free?

Westpac is free to download, with no in-app purchases.

### Is GIO App free?

GIO App is free to download, with no in-app purchases.

### Which has better reviews, Westpac or GIO App?

GIO App is rated higher. Westpac averages 4.6 out of 5 from 355 ratings, while GIO App averages 5.0 from 1 ratings.

### Do Westpac or GIO App have ads?

Westpac shows ads; GIO App does not.

### Which is updated more often, Westpac or GIO App?

Westpac ships an update fortnightly, and GIO App every 5 weeks. Most recently, Westpac was updated on October 16, 2026 and GIO App on October 15, 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.*