Comparison

Westpac vs Smartly

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

Smartly

This app allows employees to manage their payroll information, including viewing payslips, applying for leave, and submitting timesheets. Employers must set up employee accounts for access. It simplifies payroll management for both employees and businesses.

Highlights
  • View payslips
  • Apply for leave
  • Submit timesheets
  • Track leave balances
  • Assign hours to jobs
  • Email PDF payslips
Features
Read full description

The Smartly mobile app is for employees who work for a business that uses Smartly to manage their payroll. As an employee you can check your pay history and apply for leave as well as submit timesheets. To login, your employer needs to set you up in the payroll site and give you your username. You’ll then get an email to create your password and you’ll be good to go! FEATURES Pay details - View your payslips (up to 3 months). - Email yourself a PDF version of your payslip. - See a countdown to your next pay. Managing leave requests - Apply for leave (including special leave types). - View any upcoming leave, plus leave history and balances. - Managers can add, edit, approveor decline leave requests for their team. - View future leave balances when applying for leave. Submitting timesheets - Enter time and rate per hour. - Create multiple time entries for each day. - Managers can add, edit, approve or decline time for their team. - Remembers the last timesheet entry and prefills the same hours. - Copy a previous weeks timesheet to save time. Labour costing - Assign hours worked to different jobs or departments. ABOUT SMARTLY We know that payroll can be a headache. So, at Smartly we make it simple for businesses to pay their people on time, accurately and in-line with regulation. Faff-free payroll, happy staff, no headaches. Too easy!

Screenshots

Westpac4 screens
Smartly4 screens

Verdict

The call

The clearest difference is ads: Smartly at none against Westpac's shown. Smartly also leads on monetization model (free vs free with in-app purchases) and rating (4.8 vs 4.6). Westpac's advantage is ratings volume (343 vs 35) and update cadence (fortnightly vs monthly). On price, review sentiment, 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

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

Smartly holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Westpac has 343 ratings behind it against 35, so its average is the more settled of the two. Written reviews complicate that: 33% of Westpac's written reviews are positive against 32% of Smartly's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Westpac ships an update fortnightly, Smartly monthly. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
Westpac versus Smartly: the parameters behind the verdict, then further details
ParameterWestpacSmartly
PriceFreeFree
Rating4.6 (343 ratings)4.8 (35 ratings) — better
Positive reviews33.2% of reviews — better31.9% of reviews
Number of ratings343 — better35
Update frequencyFortnightly — betterMonthly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size247 MB24 MB
Age rating4+4+
DeveloperWestpac Banking CorporationSmartPayroll

Customer experience

Westpac

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

Smartly

All ratings35 ratings
Positive97.1%
Neutral0.0%
Negative2.9%
Written reviews69 reviews
Positive31.9%
Neutral14.5%
Negative53.6%

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

Smartly

From 35 App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Intuitive design
  • 👍 Straightforward
  • 👍 Good for tracking shifts
  • 👍 Great for employees

Room to improve

  • 🐛 Constantly logs out
  • 🐛 Frequent login issues
  • 🐛 App crashes/freezes
  • 🐛 Slow performance
  • 🐛 Poor accessibility

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

Smartly

Reported bugs

39 issues
  • Notifications don't work
  • App size increased
  • Biometrics enrollment repeated
  • Password reset issues
  • Login button unresponsive
Show 34 more
  • Keeps logging out
  • App crashes or freezes
  • Date selection hard
  • App crashes or freezes regularly
  • Issues with shifts past midnight
  • Cannot log in
  • App freezes when adding timesheet
  • Timesheet tab buffering
  • App doesn't function
  • Cannot approve timesheets
  • Randomly logs out users
  • App crashes every fortnight
  • Slow to respond to taps
  • App freezes on loading screen
  • Cannot add timesheet when logged in
  • Timesheet tab buffering and error
  • App won't function
  • Cannot approve timesheets
  • Randomly logs out
  • App crashes every fortnight
  • Slow to respond
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen
  • Login issues
  • App doesn't remember login
  • Constant lag and freezing
  • Screens don't allow scrolling
  • New timesheet layout doesn't let you copy hours
  • App needs to be repeatedly reinstalled
  • App doesn't open
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen

Requested features

10 requests
  • Ability to put in start time without finish time
  • Reminder for missing finish time
  • More detailed app
  • Web portal access for employees
  • Ability to handle working past midnight without two entries
Show 5 more
  • Export staff on leave to Outlook calendar
  • Ability to put time to time in lieu
  • Previous week preloaded
  • Auto-save start and finish times from previous day
  • Notifications

In-app purchases

None

Westpac

No in-app purchases

None

Smartly

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is Smartly free?
Smartly is free to download, with no in-app purchases.
Which has better reviews, Westpac or Smartly?
Smartly is rated higher. Westpac averages 4.6 out of 5 from 343 ratings, while Smartly averages 4.8 from 35 ratings.
Do Westpac or Smartly have ads?
Westpac shows ads; Smartly does not.
Which is updated more often, Westpac or Smartly?
Westpac ships an update fortnightly, and Smartly monthly. Most recently, Westpac was updated on September 23, 2026 and Smartly on September 21, 2026.

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