# Westpac vs AMI

The clearest difference is ads: AMI at none against Westpac's shown. AMI also leads on monetization model (free vs free with in-app purchases). Westpac's advantage is review sentiment (33% vs 12%) and ratings volume (356 vs 10). On price, rating, update cadence and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.6 for Westpac against 4.5 for AMI. That said, the two scores are not equally well evidenced: Westpac has 356 ratings behind it against 10, so its average is the more settled of the two. Written reviews are what separate them: 33% of Westpac's written reviews are positive against 12% of AMI's.

Westpac ships an update every 2 weeks, AMI monthly. The most recent releases landed on October 20, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Westpac | AMI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (356 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews)** | [4.5 (10 ratings)](https://appshunter.io/ios/app/ami/id997576572/reviews) |
| Number of ratings | **356** | 10 |
| Positive reviews | **33.4% of reviews** | 11.7% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 264 MB | 78 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Westpac Banking Corporation](https://appshunter.io/developer/299111814) | [IAG New Zealand Limited](https://appshunter.io/developer/785110129) |

## 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


### AMI

[App page](https://appshunter.io/ios/app/ami/id997576572)

Manage your insurance policies, make claims, and get new quotes quickly and easily. Access all your policy documents and payment options in one convenient place, anytime, anywhere. Features faster login options for seamless access.

**Highlights:** 24/7 insurance management, Faster login (PIN/Face ID), Online claim submission and tracking, Payment management, View policy information and documents, Get new quotes in 2 minutes

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

**In-app purchases:** none

**What reviewers like**

- 👍 Great service (occasional)
- 👍 Super convenient (occasional)
- 👍 Refreshed app works great (recent)
- 👍 App is fine once logged in (occasional)

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 Slow loading times
- 🐛 Clunky and difficult navigation
- 🐛 Frequent logouts
- 🐛 Login issues (access denied, blank screen, errors)

**Reported bugs**

- App crashes on opening or loading policies
- Login errors (access denied, blank screen, 'Oops' message, 'cannot decode raw data')
- App redirects to website instead of functioning
- Unable to download new or updated versions
- Constant logging out

**Requested features**

- Support Face ID or similar biometric login
- Streamline the login process
- Display numeric keyboard for verification
- Do not reset login preferences on update
- Send 2FA codes to autofill


## Frequently asked questions

### Is Westpac free?

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

### Is AMI free?

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

### Which has better reviews, Westpac or AMI?

Westpac is rated higher. Westpac averages 4.6 out of 5 from 356 ratings, while AMI averages 4.5 from 10 ratings.

### Do Westpac or AMI have ads?

Westpac shows ads; AMI does not.

### Which is updated more often, Westpac or AMI?

Westpac ships an update every 2 weeks, and AMI monthly. Most recently, Westpac was updated on October 20, 2026 and AMI on October 13, 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.*