ING Australia Banking vs Macquarie Authenticator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ING Australia Banking
Manage your finances on the go with this banking app. Access digital cards, make secure online payments, and track savings. It offers real-time payments, card management, and account balance checks without logging in.
- Add cards to Apple Pay
- View cards digitally and securely
- Dynamic CVV for online transactions
- Round up transactions to save
- Real-time payments (NPP)
- Manage card PIN and limits
- Find Bank@Post locations
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Spend LESS time doing MORE. With the ING mobile app, you can bank anytime, anywhere. KEY FEATURES • Add your ING Visa debit and credit cards to Apple Pay • View your cards digitally and securely in the app • Make online transactions with peace of mind using a dynamic CVV • Round up your eligible transactions to help you save faster OTHER COOL STUFF • Make real-time payments with eligible accounts (NPP Payments) • Change your Pay Anyone limit • Benefits and rebates tracker • Choose to check the balances of favourite accounts without logging in • View and share your statements • Change your card PIN, place your card on/off hold, or report a lost/stolen card for your Orange Everyday account • Find the nearest Bank@Post location by suburb or postcode Terms of use and Security: Read about the terms of use governing your use of this mobile application plus ING security policy and information. * For the curious part of you Normal data charges apply. Please check with your mobile phone service provider for details. iPhone and iPod Touch are trademarks of Apple Inc., registered in the U.S. and other countries. Using your mobile to bank with ING ~is subject to certain limitations as not all internet banking features are available. ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823. Australian Credit Licence 229823.
Macquarie Authenticator
Enhance your account security with this app, offering push notifications for transaction approval or denial and generating one-time passcodes for authentication. It provides a faster, more secure alternative to SMS, especially when traveling internationally.
- Push notifications for transaction approval/denial
- Generate one-time rolling codes
- Offline authentication with rolling codes
- Manage pending tasks
- PIN, fingerprint, and facial recognition unlock
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Protect your Macquarie account with Macquarie Authenticator. Our two-factor authentication app is designed to maximise your security, while also providing a beautiful banking experience. Separate security, seamless experience Macquarie Authenticator works seamlessly with the Macquarie Mobile Banking app. Approve or deny requests in an instant, directly through your notifications, for stronger security that feels like a single, seamless flow. More secure than SMS Unlike with SMS, you can see exactly what you’re approving. We send detailed alerts directly to your secure app, not your phone number. You’re in control Verify important transaction details upfront, such as the amount, recipient and location, so you can approve or deny transactions with confidence.
Screenshots
Verdict
The clearest difference is rating: Macquarie Authenticator at 3.0 against ING Australia Banking's 2.6. ING Australia Banking's advantage is ratings volume (16 vs 2). On price, review sentiment, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Macquarie Authenticator holds the better App Store score, 3.0 against 2.6. That said, the two scores are not equally well evidenced: ING Australia Banking has 16 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 17% of ING Australia Banking's written reviews are positive against 15% of Macquarie Authenticator's, so the app with the better star average is not the one people write more warmly about.
ING Australia Banking ships an update monthly, Macquarie Authenticator every 4 weeks. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.
| Parameter | ING Australia Banking | Macquarie Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (16 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 16.8% of reviews — better | 14.8% of reviews |
| Number of ratings | 16 — better | 2 |
| Update frequency | Monthly | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 92 MB | 185 MB |
| Age rating | 4+ | 4+ |
| Developer | ING Bank (Australia) Limited | Macquarie Bank Limited |
Customer experience
ING Australia Banking
Macquarie Authenticator
Bugs and requests
ING Australia Banking
Reported bugs
5 issues- App crashing on login
- Inability to access account details
- Delayed or missing transaction updates
- Compatibility issues with new devices
- Unreliable app performance
Requested features
5 requests- Spending categorization and budgeting tools
- Notifications for transactions and account activity
- Ability to manage accounts and cards from the app
- Improved search and transaction history features
- Integration with other financial services
Macquarie Authenticator
Not enough reviews yet to summarise bugs or requests.
In-app purchases
ING Australia Banking
No in-app purchases
Macquarie Authenticator
No in-app purchases
Questions
Is ING Australia Banking free?
Is Macquarie Authenticator free?
Which has better reviews, ING Australia Banking or Macquarie Authenticator?
Do ING Australia Banking or Macquarie Authenticator have ads?
Which is updated more often, ING Australia Banking or Macquarie Authenticator?
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