Comparison

Westpac vs Bendigo Bank

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 securely and efficiently with this banking app. It offers tools for everyday banking, money management, and insights to help you plan and increase your financial confidence. Seamlessly switch between personal and business accounts.

Highlights
  • Secure everyday banking
  • Money management tools
  • Financial insights
  • Personal and business account switching
  • Cardless cash withdrawals
Features
Read full description

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.

About

Bendigo Bank

Manage your everyday banking, payments, and card controls securely and conveniently. Check balances, transfer funds, pay bills, and protect your cards with advanced security features.

Highlights
  • Check balance at a glance
  • View transaction history
  • Instant Proof of Account PDF
  • Send money with PayID and Osko
  • Approve multi-signature payments
  • Full card controls (block, report lost/stolen)
  • Secure login with Face ID/Touch ID/PIN
Features
Read full description

Bendigo Bank is making banking easy and secure for everyone. New to us? Join in minutes. Already a customer? Log in for simple and fast banking at your fingertips. Your everyday banking, sorted • Check your balance at a glance without logging in. • View your transaction history and download statements anytime. • See merchant logos for clear and easy-to-understand transaction details. • Instantly get a Proof of Account PDF when you need it. • Create new EasySaver accounts and Term Deposits on the go. • Approve multi-signature payments on the go directly from your phone. Pay people & bills, fast • Send money to anyone instantly with PayID and Osko. • Set up recurring payments for regular bills. • Pay your bills easily, and manage them with BPAY View. Pay on the go with Apple Pay • Add your card to Apple Wallet straight from the app. • Start spending with Apple Pay even before your physical card arrives. • Make secure mobile payments on the go. Full card controls • Activate your new card and use it immediately. • Misplaced your card? Temporarily block it while you search. • Instantly report a card lost or stolen, and we'll arrange a new one fast. • Set spending blocks for categories like gambling or liquor transactions. • Toggle your card controls on or off at your convenience. Secure & verified activity • Log in securely with Face ID, Touch ID, or a four-digit PIN. • Verify every critical action, from new logins to payments and security changes directly from your phone using Multi-Factor Authentication (MFA). Need help? Visit bendigobank.com.au/help/ebanking, call us on 1300 236 344, or drop into your nearest Bendigo Bank branch.

Screenshots

Westpac4 screens
Bendigo Bank4 screens

Verdict

The call

The clearest difference is ads: Bendigo Bank at none against Westpac's shown. Bendigo Bank also leads on review sentiment (55% vs 34%) and monetization model (free vs ad-supported). Westpac's advantage is ratings volume (357 vs 67). On price, rating, update cadence and in-app purchases 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

On the App Store both sit at effectively the same score — 4.6 for Westpac against 4.7 for Bendigo Bank. That said, the two scores are not equally well evidenced: Westpac has 357 ratings behind it against 67, so its average is the more settled of the two. Written reviews are what separate them: 34% of Westpac's written reviews are positive against 55% of Bendigo Bank's.

UpkeepUpdate frequency

Westpac ships an update every 3 weeks, Bendigo Bank fortnightly. Both last shipped on November 10, 2026.

Scorecard4 real differences · 6 level
Westpac versus Bendigo Bank: the parameters behind the verdict, then further details
ParameterWestpacBendigo Bank
PriceFreeFree
Rating4.6 (357 ratings)4.7 (67 ratings) — better
Positive reviews33.7% of reviews55.5% of reviews — better
Number of ratings357 — better67
Update frequencyEvery 3 weeksFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.4 — better
Further details — not scored
Size269 MB37 MB
Age rating4+4+
DeveloperWestpac Banking CorporationBendigo and Adelaide Bank Ltd

Customer experience

Westpac

All ratings357 ratings
Positive90.5%
Neutral3.4%
Negative6.2%
Written reviews713 reviews
Positive33.7%
Neutral10.5%
Negative55.8%

Bendigo Bank

All ratings67 ratings
Positive92.5%
Neutral1.5%
Negative6.0%
Written reviews476 reviews
Positive55.5%
Neutral8.0%
Negative36.6%

User reviews

Westpac

From 357 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

Bendigo Bank

From 67 App Store ratings

What we love

  • 👍 Easy to use app
  • 🚀 Straightforward and efficient
  • 🔒 Good security features
  • 💳 Ability to manage multiple accounts
  • 🏦 Reliable and trustworthy bank

Room to improve

  • 🐛 Frequent app crashes and login issues
  • ⏱️ Slow app performance and long load times
  • 🔒 Overly complex security measures
  • 📱 Limited functionality compared to other banking apps
  • 🔕 Lack of transaction notifications and alerts

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

Bendigo Bank

Reported bugs

4 issues
  • App freezing and crashing on login
  • Security upgrades causing account lockouts
  • Inability to access online banking on certain devices
  • Unreliable app availability due to frequent maintenance

Requested features

5 requests
  • Push notifications for transactions
  • Advanced budgeting and savings tools
  • Dark mode option
  • Ability to use app on multiple devices
  • Improved transaction details and categorization

In-app purchases

None

Westpac

No in-app purchases

None

Bendigo Bank

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is Bendigo Bank free?
Bendigo Bank is free to download, with no in-app purchases.
Which has better reviews, Westpac or Bendigo Bank?
Bendigo Bank is rated higher. Westpac averages 4.6 out of 5 from 357 ratings, while Bendigo Bank averages 4.7 from 67 ratings.
Do Westpac or Bendigo Bank have ads?
Westpac shows ads; Bendigo Bank does not.
Which is updated more often, Westpac or Bendigo Bank?
Westpac ships an update every 3 weeks, and Bendigo Bank fortnightly. Most recently, Westpac was updated on November 10, 2026 and Bendigo Bank on November 10, 2026.

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