# Westpac vs Smartly

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.

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

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.

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

## The numbers

| Metric | Westpac | Smartly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (343 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews) | **[4.8 (35 ratings)](https://appshunter.io/ios/app/smartly/id1590031328/reviews)** |
| Number of ratings | **343** | 35 |
| Positive reviews | **33.2% of reviews** | 31.9% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 247 MB | 24 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Westpac Banking Corporation](https://appshunter.io/developer/299111814) | [SmartPayroll](https://appshunter.io/developer/975779688) |

## 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


### Smartly

[App page](https://appshunter.io/ios/app/smartly/id1590031328)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Notifications don't work
- App size increased
- Biometrics enrollment repeated
- Password reset issues
- Login button unresponsive

**Requested features**

- 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


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