# BNZ Mobile vs CrystalPayroll

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.

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.

## The numbers

| Metric | BNZ Mobile | CrystalPayroll |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (633 ratings)](https://appshunter.io/ios/app/bnz-mobile/id443045792/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/crystalpayroll/id1541778408/reviews) |
| Number of ratings | **633** | 1 |
| Positive reviews | **73.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 months |
| Monetization | Free | Free |
| Size | 187 MB | 7 MB |
| Requires iOS | 18.0 | **12.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bank of New Zealand](https://appshunter.io/developer/351271638) | [Crystal Payroll Ltd](https://appshunter.io/developer/1541778410) |

## What reviewers say

### BNZ Mobile

[App page](https://appshunter.io/ios/app/bnz-mobile/id443045792)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- App no longer opens
- Decimal entry not working
- Accounts get reordered randomly after changes
- Instant balances unavailable after logout
- Notifications not working as expected

**Requested features**

- 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


### CrystalPayroll

[App page](https://appshunter.io/ios/app/crystalpayroll/id1541778408)

Streamline your payroll processes with a clear, simple, and efficient system. This application offers comprehensive features to manage your payroll effectively.

**Highlights:** Clear payroll system, Simple payroll management, Efficient payroll processing, Comprehensive payroll features

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BNZ Mobile free?

BNZ Mobile is free to download, with no in-app purchases.

### Is CrystalPayroll free?

CrystalPayroll is free to download, with no in-app purchases.

### Which has better reviews, BNZ Mobile or CrystalPayroll?

BNZ Mobile is rated higher. BNZ Mobile averages 4.9 out of 5 from 633 ratings, while CrystalPayroll averages 1.0 from 1 ratings.

### Do BNZ Mobile or CrystalPayroll have ads?

Neither BNZ Mobile nor CrystalPayroll shows ads.

### Which is updated more often, BNZ Mobile or CrystalPayroll?

BNZ Mobile ships an update fortnightly, and CrystalPayroll every 5 months. Most recently, BNZ Mobile was updated on October 15, 2026 and CrystalPayroll on October 2, 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.*