Comparison

BNZ Mobile vs HSBC Australia

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

Head to head
About

BNZ Mobile

Manage your finances conveniently on the go. Check balances, transfer funds, pay bills, and top up prepaid mobile services. Securely access your accounts with PIN, password, or biometric login.

Highlights
  • View account balances and transaction history
  • Transfer money between accounts
  • Pay bills and credit cards
  • Top up prepaid mobile services
  • Set up push notifications and alerts
  • Biometric login (Touch ID/Face ID)
Features
Read full description

Manage your money on the go with the BNZ app. Check your account balances, transfer money, top up your prepay mobile, and more.   KNOW YOUR MONEY • View account balances and transaction history  • Set goals and follow your progress  • Personalise your accounts with images  • Set up push notifications for money in and out, and account balance alerts  • Turn on instant balances to view account balances without logging in  • View your accounts in list or grid view  MANAGE YOUR MONEY • Transfer money between your accounts • Pay your bills, credit card, or IRD • Make one-off payments • Open and close accounts instantly with YouMoney • Link accounts to your Eftpos, Flexi Debit Visa, or credit card  • Add/edit payees and view payment history • Set up, edit and delete automatic payments EXTRA SERVICES • Top up One NZ, Spark, Skinny and 2degrees prepaid mobile • Get Apple Pay and pay with your phone GET IN TOUCH • Message our virtual assistant  • Find the nearest BNZ branches and ATMs  • View our contact phone numbers  • Request a call  APPLY ONLINE • Apply for a Flexi Debit Visa or credit card  • Apply for loans or insurances  • Join the BNZ KiwiSaver Scheme  SECURE BANKING • Set up a personal 5-digit PIN or  • Log in with your Internet Banking password  • Touch ID and Face ID login are available on supported devices  iOS REQUIREMENTS • To get the app for the first time you'll need iOS 17 or above. • If you’ve downloaded the app before you’ll need iOS 15 or above. IMPORTANT INFORMATION • Always remember to log out and update your device to the newest version of iOS  • Never store your BNZ access number or password on your device  • Never allow other people to access your mobile device using Touch ID, Face ID, or device password  • Mobile data is required to access the BNZ app  • Use of the BNZ app is subject to the Internet Banking Terms and Conditions (bnz.co.nz/internetbankingtcs)  • The Activity feature is available with a personal BNZ credit card or transaction account, including joint transaction accounts  • Non-personal accounts like family trust or business accounts won’t show in the Activity feature  When you’re in the BNZ app, we collect information about behaviour like how you type, scroll, and swipe. This helps us spot any activity that isn’t yours to detect and prevent fraud.   To find out how we collect and use your information, read our Master Privacy Policy at bnz.co.nz/privacy.  GET STARTED • If you’re registered for BNZ Personal Internet Banking, install this app to get started.   • If you’re not registered for BNZ Personal Internet Banking, install this app and register at bnz.co.nz/registernow or call 0800 999 269 (+64 4 494 7153 from overseas - international toll charges apply).

About

HSBC Australia

Manage your Australian banking needs with a secure and user-friendly mobile app. Perform transactions, manage credit cards, and access global account summaries. Open new accounts and trade on international markets.

Highlights
  • Open new accounts
  • Manage credit cards
  • Pay bills
  • Lock/unlock cards
  • Set spend limits
  • Global account view
  • Trade international shares
Features
Read full description

Enjoy faster banking with a simple and seamless design that leaves you more time to explore your world. Take a closer look today: - This brand new app has been made specifically for Australian banking needs. - Built with enhanced security, log on with convenience using Face ID, Touch ID or a Digital Secure Key. - Products and services – You can make Domestic & International payments with your mobile device. - Credit Card functions - You can pay bills, lock/unlock cards, set spend limits & configure other personalised controls - Set up notifications and avoid late fees. - Update your personal details on the go through the app. - Travelling or have overseas accounts? You can use and download the app wherever you are in the world. Easily manage your HSBC Australia accounts, and view account summaries of your international accounts with our global view functionality. Please note, if you would like to access or manage your international account, please use the specific country’s app (if available), or select the relevant country through the old HSBC app. Whether you’re new to online banking or an existing user, getting started is easy. - New online banking users can download and register through the HSBC Australia Mobile Banking App. - Existing users can use their existing details. If you have your Digital Secure Key activated, your security settings will automatically transfer across to the new app. Ready to make the move? Download the new HSBC Australia Mobile Banking App now. * Important note: This App is provided by HSBC Bank Australia. Please do not download this App if you are not an existing customer of HSBC Australia. HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595

Screenshots

BNZ Mobile4 screens
HSBC Australia4 screens

Verdict

The call

BNZ Mobile and HSBC Australia both sit at 4.9 stars, but that hides the real split: 73% of BNZ Mobile's written reviews are positive against 44% of HSBC Australia's. BNZ Mobile also leads on update cadence (fortnightly vs monthly). HSBC Australia's advantage is iOS requirement (16.0 vs 18.0). On price, rating, ratings volume 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

On the App Store both sit at effectively the same score — 4.9 for BNZ Mobile against 4.8 for HSBC Australia. Both are backed by a comparable volume of ratings — 642 and 795 respectively. Written reviews are what separate them: 73% of BNZ Mobile's written reviews are positive against 44% of HSBC Australia's.

UpkeepUpdate frequency

BNZ Mobile ships an update fortnightly, HSBC Australia monthly. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
BNZ Mobile versus HSBC Australia: the parameters behind the verdict, then further details
ParameterBNZ MobileHSBC Australia
PriceFreeFree
Rating4.9 (642 ratings) — better4.8 (795 ratings)
Positive reviews73.4% of reviews — better43.6% of reviews
Number of ratings642795 — better
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.016.0 — better
Further details — not scored
Size188 MB595 MB
Age rating4+4+
DeveloperBank of New ZealandHSBC Global Services (UK) Limited

Customer experience

BNZ Mobile

All ratings642 ratings
Positive97.5%
Neutral1.4%
Negative1.1%
Written reviews308 reviews
Positive73.4%
Neutral4.9%
Negative21.8%

HSBC Australia

All ratings791 ratings
Positive95.3%
Neutral1.6%
Negative3.0%
Written reviews298 reviews
Positive43.6%
Neutral10.4%
Negative46.0%

User reviews

BNZ Mobile

From 642 App Store ratings

What we love

  • 🚀 Amazing help
  • 👍 Easy to use
  • 👍 Great app
  • 🔒 Excellent security service
  • 👍 Professional and incredibly helpful

Room to improve

  • 🔒 Surveillance
  • 🐛 Constantly logs out
  • 🐛 Maintenance
  • 🐛 Annoying login requirement
  • 🔒 Privacy nightmare

HSBC Australia

From 795 App Store ratings

What we love

  • 🚀 Quick transfers
  • 🔒 Secure app
  • 👍 Easy to use
  • 👍 Intuitive interface
  • 👍 Convenient for traveling

Room to improve

  • 🐛 Frequent login issues
  • 🐛 Unreliable live chat
  • 🐛 Buggy search function
  • 🐛 Inconsistent account updates
  • 🐛 Difficult to increase limits

Bugs and requests

BNZ Mobile

Reported bugs

7 issues
  • App no longer opens
  • Decimal entry not working
  • Accounts get reordered randomly after changes
  • Instant balances unavailable after logout
  • Notifications not working as expected
Show 2 more
  • App crashes on certain screens
  • Face ID not working after updates

Requested features

9 requests
  • Dynamic CVV card details in the app
  • Ability to customize account order and icons
  • KiwiSaver performance and returns in the app
  • Ability to set up a term PIE from the app
  • Notifications for app maintenance
Show 4 more
  • Option to hide accounts and KiwiSaver from the home screen
  • Customizable transaction history date range
  • Proof of payment document generation
  • Ability to manually enter top-up amounts

HSBC Australia

Reported bugs

4 issues
  • App crashes during use
  • Unable to access app while overseas
  • Repeated verification requests
  • Inconsistent account syncing

Requested features

5 requests
  • Add PayID support
  • Improve transaction search
  • Provide real-time balance updates
  • Enable account customization
  • Introduce push notifications

In-app purchases

None

BNZ Mobile

No in-app purchases

None

HSBC Australia

No in-app purchases

Questions

Is BNZ Mobile free?
BNZ Mobile is free to download, with no in-app purchases.
Is HSBC Australia free?
HSBC Australia is free to download, with no in-app purchases.
Which has better reviews, BNZ Mobile or HSBC Australia?
BNZ Mobile is rated higher. BNZ Mobile averages 4.9 out of 5 from 642 ratings, while HSBC Australia averages 4.8 from 795 ratings.
Do BNZ Mobile or HSBC Australia have ads?
Neither BNZ Mobile nor HSBC Australia shows ads.
Which is updated more often, BNZ Mobile or HSBC Australia?
BNZ Mobile ships an update fortnightly, and HSBC Australia monthly. Most recently, BNZ Mobile was updated on October 29, 2026 and HSBC Australia on October 30, 2026.

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