# ING Australia Banking vs Macquarie Authenticator

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.

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. Both last shipped on September 26, 2026.

## The numbers

| Metric | ING Australia Banking | Macquarie Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (16 ratings)](https://appshunter.io/ios/app/ing-australia-banking/id427100193/reviews) | **[3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews)** |
| Number of ratings | **16** | 2 |
| Positive reviews | **16.8% of reviews** | 14.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 4 weeks** |
| Monetization | Free | Free |
| Size | 92 MB | 185 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ING Bank (Australia) Limited](https://appshunter.io/developer/349621761) | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) |

## What reviewers say

### ING Australia Banking

[App page](https://appshunter.io/ios/app/ing-australia-banking/id427100193)

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:** macOS Compatibility, Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 Reliable
- 💰 Great interest rates
- 🚀 Fast transactions
- 👍 Simple and clean design

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⚠️ Lack of notifications
- 🤔 Limited features compared to competitors
- 🔒 Poor security and fraud protection
- 🙄 Forced updates and login issues

**Reported bugs**

- App crashing on login
- Inability to access account details
- Delayed or missing transaction updates
- Compatibility issues with new devices
- Unreliable app performance

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is ING Australia Banking free?

ING Australia Banking 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 or Macquarie Authenticator?

Macquarie Authenticator is rated higher. ING Australia Banking averages 2.6 out of 5 from 16 ratings, while Macquarie Authenticator averages 3.0 from 2 ratings.

### Do ING Australia Banking or Macquarie Authenticator have ads?

Neither ING Australia Banking nor Macquarie Authenticator shows ads.

### Which is updated more often, ING Australia Banking or Macquarie Authenticator?

ING Australia Banking ships an update monthly, and Macquarie Authenticator every 4 weeks. Most recently, ING Australia Banking was updated on September 26, 2026 and Macquarie Authenticator on September 26, 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.*