BNZ Mobile vs CrystalPayroll
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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)
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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).
CrystalPayroll
Streamline your payroll processes with a clear, simple, and efficient system. This application offers comprehensive features to manage your payroll effectively.
- Clear payroll system
- Simple payroll management
- Efficient payroll processing
- Comprehensive payroll features
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Crystal Payroll is packed with all the features you need to ensure your payroll system works as clearly, simply and efficiently as possible.
Screenshots
Verdict
The clearest difference is review sentiment: BNZ Mobile at 73% against CrystalPayroll's 0%. BNZ Mobile also leads on rating (4.9 vs 1.0) and update cadence (fortnightly vs every 5 months). CrystalPayroll's advantage is iOS requirement (12.0 vs 18.0). On price, ads, in-app purchases and monetization model 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.
BNZ Mobile holds the better App Store score, 4.9 against 1.0. That said, the two scores are not equally well evidenced: BNZ Mobile has 633 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 73% of BNZ Mobile's written reviews are positive against 0% of CrystalPayroll's.
BNZ Mobile ships an update fortnightly, CrystalPayroll every 5 months. The most recent releases landed on October 15, 2026 and October 2, 2026 respectively.
| Parameter | BNZ Mobile | CrystalPayroll |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (633 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 73.5% of reviews — better | 0.0% of reviews |
| Number of ratings | 633 — better | 1 |
| Update frequency | Fortnightly — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 18.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 187 MB | 7 MB |
| Age rating | 4+ | 4+ |
| Developer | Bank of New Zealand | Crystal Payroll Ltd |
Customer experience
BNZ Mobile
CrystalPayroll
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
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- 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
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- 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
CrystalPayroll
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BNZ Mobile
No in-app purchases
CrystalPayroll
No in-app purchases
Questions
Is BNZ Mobile free?
Is CrystalPayroll free?
Which has better reviews, BNZ Mobile or CrystalPayroll?
Do BNZ Mobile or CrystalPayroll have ads?
Which is updated more often, BNZ Mobile or CrystalPayroll?
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