Comparison

Westpac vs Pyng

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

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

Pyng

This app offers a secure and cost-effective payment solution by allowing users to pay directly from their bank accounts. It eliminates surcharges for both users and merchants, ensuring your money remains safe and under your control.

Highlights
  • Zero surcharges for users and merchants
  • Direct payment from bank account
  • Enhanced security through bank authentication
  • Set spending limits
  • QR code payment integration
Features
Read full description

A cheaper and better way to pay with Pyng Zero surcharges #PyngPromise - When you use Pyng, neither you or the merchant will need to pay a surcharge. Saving you a ton of money. Your money is 100% safe - Pyng is safer than a normal credit card as it’s all authenticated through your own bank account and doesn’t require you to transfer funds to us or anywhere else. Pay straight from your bank - Pay directly from your bank account giving you more control of how you spend. How it works 1. Install the app via the App Store 2. Link your bank account: Securely link your bank account through your own banking app or banking platform - you can set a limit on how much money Pyng can debit from your account at any point of time 3. Scan a QR code and it's as simple as that Your money stays safe Pyng protects your money with the best-in-class security systems that help minimize fraud. Most importantly, Pyng never touches your money - your money goes straight to the merchant reducing any risk of fraud and reducing any transaction costs.

Screenshots

Westpac4 screens
Pyng4 screens

Verdict

The call

The clearest difference is rating: Westpac at 4.6 against Pyng's 4.0. Westpac also leads on ratings volume (355 vs 4). Pyng's advantage is ads (none vs shown) and review sentiment (50% vs 33%). On price, update cadence, 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

Westpac holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Westpac has 355 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 33% of Westpac's written reviews are positive against 50% of Pyng'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, Pyng weekly. The most recent releases landed on October 18, 2026 and October 9, 2026 respectively.

Scorecard5 real differences · 5 level
Westpac versus Pyng: the parameters behind the verdict, then further details
ParameterWestpacPyng
PriceFreeFree
Rating4.6 (355 ratings) — better4.0 (4 ratings)
Positive reviews33.4% of reviews50.0% of reviews — better
Number of ratings355 — better4
Update frequencyFortnightlyWeekly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.6 — better
Further details — not scored
Size265 MB42 MB
Age rating4+12+
DeveloperWestpac Banking CorporationPyng Payments Pty Ltd

Customer experience

Westpac

All ratings355 ratings
Positive91.0%
Neutral3.1%
Negative5.9%
Written reviews671 reviews
Positive33.4%
Neutral10.9%
Negative55.7%

Pyng

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews16 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

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

Pyng

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Westpac

No in-app purchases

None

Pyng

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is Pyng free?
Pyng is free to download, with no in-app purchases.
Which has better reviews, Westpac or Pyng?
Westpac is rated higher. Westpac averages 4.6 out of 5 from 355 ratings, while Pyng averages 4.0 from 4 ratings.
Do Westpac or Pyng have ads?
Westpac shows ads; Pyng does not.
Which is updated more often, Westpac or Pyng?
Westpac ships an update fortnightly, and Pyng weekly. Most recently, Westpac was updated on October 18, 2026 and Pyng on October 9, 2026.

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