Comparison

ING Australia Banking (Legacy) vs Macquarie Authenticator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ING Australia Banking (Legacy)

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.

Highlights
  • 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
Features
Read full description

Heads up! This is the previous ING banking app. Looking for Savings Booster? Savings Booster is available in the new ING Banking app. You can download our upgraded app by searching ‘ING Banking - Do Your Thing”. We're rolling it out in stages as additional products and features become available. A few things to know: Normal data charges apply. Please check with your mobile phone service provider for details. 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. You can read our Terms of Use and Target Market Determinations at ing.com.au. Got questions? Visit the ING Help Hub at https://helphub.ing.com.au

About

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.

Highlights
  • 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
Features
Read full description

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

ING Australia Banking (Legacy)1 screens
Macquarie Authenticator3 screens

Verdict

The call

The clearest difference is rating: Macquarie Authenticator at 3.0 against ING Australia Banking (Legacy)'s 2.5. ING Australia Banking (Legacy)'s advantage is ratings volume (17 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

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

Macquarie Authenticator holds the better App Store score, 3.0 against 2.5. That said, the two scores are not equally well evidenced: ING Australia Banking (Legacy) has 17 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 18% of ING Australia Banking (Legacy)'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.

UpkeepUpdate frequency

ING Australia Banking (Legacy) ships an update monthly, Macquarie Authenticator every 3 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
ING Australia Banking (Legacy) versus Macquarie Authenticator: the parameters behind the verdict, then further details
ParameterING Australia Banking (Legacy)Macquarie Authenticator
PriceFreeFree
Rating2.5 (17 ratings)3.0 (2 ratings) — better
Positive reviews17.7% of reviews — better14.8% of reviews
Number of ratings17 — better2
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size92 MB220 MB
Age rating4+4+
DeveloperING Bank (Australia) LimitedMacquarie Bank Limited

Customer experience

ING Australia Banking (Legacy)

All ratings17 ratings
Positive35.3%
Neutral0.0%
Negative64.7%
Written reviews581 reviews
Positive17.7%
Neutral12.9%
Negative69.4%

Macquarie Authenticator

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews108 reviews
Positive14.8%
Neutral4.6%
Negative80.6%

Bugs and requests

ING Australia Banking (Legacy)

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

None

ING Australia Banking (Legacy)

No in-app purchases

None

Macquarie Authenticator

No in-app purchases

Questions

Is ING Australia Banking (Legacy) free?
ING Australia Banking (Legacy) is free to download, with no in-app purchases.
Is Macquarie Authenticator free?
Macquarie Authenticator is free to download, with no in-app purchases.
Which has better reviews, ING Australia Banking (Legacy) or Macquarie Authenticator?
Macquarie Authenticator is rated higher. ING Australia Banking (Legacy) averages 2.5 out of 5 from 17 ratings, while Macquarie Authenticator averages 3.0 from 2 ratings.
Do ING Australia Banking (Legacy) or Macquarie Authenticator have ads?
Neither ING Australia Banking (Legacy) nor Macquarie Authenticator shows ads.
Which is updated more often, ING Australia Banking (Legacy) or Macquarie Authenticator?
ING Australia Banking (Legacy) ships an update monthly, and Macquarie Authenticator every 3 weeks. Most recently, ING Australia Banking (Legacy) was updated on October 24, 2026 and Macquarie Authenticator on October 25, 2026.

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