Comparison

Bendigo Bank 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

Bendigo Bank

Manage your finances with ease and security. This banking app allows you to check balances, view transactions, make payments, and control your cards. It offers instant transfers, bill payments, and secure login options.

Highlights
  • Check balance without logging in
  • View transaction history and download statements
  • Instant PayID and Osko transfers
  • Set up recurring payments and BPAY View
  • Add cards to Apple Wallet for mobile payments
  • Temporarily block or report lost/stolen cards
  • Secure login with Face ID/Touch ID/PIN
Features
Read full description

Bendigo Bank is making banking easy and secure for everyone. New to us? Join in minutes. Already a customer? Log in for simple and fast banking at your fingertips. Your everyday banking, sorted • Check your balance at a glance without logging in. • View your transaction history and download statements anytime. • See merchant logos for clear and easy-to-understand transaction details. • Instantly get a Proof of Account PDF when you need it. • Create new EasySaver accounts and Term Deposits on the go. • Approve multi-signature payments on the go directly from your phone. Pay people & bills, fast • Send money to anyone instantly with PayID and Osko. • Set up recurring payments for regular bills. • Pay your bills easily, and manage them with BPAY View. Pay on the go with Apple Pay • Add your card to Apple Wallet straight from the app. • Start spending with Apple Pay even before your physical card arrives. • Make secure mobile payments on the go. Full card controls • Activate your new card and use it immediately. • Misplaced your card? Temporarily block it while you search. • Instantly report a card lost or stolen, and we'll arrange a new one fast. • Set spending blocks for categories like gambling or liquor transactions. • Toggle your card controls on or off at your convenience. Secure & verified activity • Log in securely with Face ID, Touch ID, or a four-digit PIN. • Verify every critical action, from new logins to payments and security changes directly from your phone using Multi-Factor Authentication (MFA). Need help? Visit bendigobank.com.au/help/ebanking, call us on 1300 236 344, or drop into your nearest Bendigo Bank branch.

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

Bendigo Bank4 screens
Macquarie Authenticator3 screens

Verdict

The call

The clearest difference is rating: Bendigo Bank at 4.7 against Macquarie Authenticator's 3.0. Bendigo Bank also leads on review sentiment (57% vs 15%) and ratings volume (63 vs 2). On price, update cadence, ads and in-app purchases 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

Bendigo Bank holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: Bendigo Bank has 63 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 57% of Bendigo Bank's written reviews are positive against 15% of Macquarie Authenticator's.

UpkeepUpdate frequency

Bendigo Bank ships an update fortnightly, Macquarie Authenticator every 4 weeks. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.

Scorecard3 real differences · 7 level
Bendigo Bank versus Macquarie Authenticator: the parameters behind the verdict, then further details
ParameterBendigo BankMacquarie Authenticator
PriceFreeFree
Rating4.7 (63 ratings) — better3.0 (2 ratings)
Positive reviews56.8% of reviews — better14.8% of reviews
Number of ratings63 — better2
Update frequencyFortnightly — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.4 — better16.0
Further details — not scored
Size33 MB185 MB
Age rating4+4+
DeveloperBendigo and Adelaide Bank LtdMacquarie Bank Limited

Customer experience

Bendigo Bank

All ratings63 ratings
Positive93.7%
Neutral0.0%
Negative6.3%
Written reviews435 reviews
Positive56.8%
Neutral8.3%
Negative34.9%

Macquarie Authenticator

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

Bugs and requests

Bendigo Bank

Reported bugs

4 issues
  • App freezing and crashing on login
  • Security upgrades causing account lockouts
  • Inability to access online banking on certain devices
  • Unreliable app availability due to frequent maintenance

Requested features

5 requests
  • Push notifications for transactions
  • Advanced budgeting and savings tools
  • Dark mode option
  • Ability to use app on multiple devices
  • Improved transaction details and categorization

Macquarie Authenticator

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Bendigo Bank

No in-app purchases

None

Macquarie Authenticator

No in-app purchases

Questions

Is Bendigo Bank free?
Bendigo Bank 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, Bendigo Bank or Macquarie Authenticator?
Bendigo Bank is rated higher. Bendigo Bank averages 4.7 out of 5 from 63 ratings, while Macquarie Authenticator averages 3.0 from 2 ratings.
Do Bendigo Bank or Macquarie Authenticator have ads?
Neither Bendigo Bank nor Macquarie Authenticator shows ads.
Which is updated more often, Bendigo Bank or Macquarie Authenticator?
Bendigo Bank ships an update fortnightly, and Macquarie Authenticator every 4 weeks. Most recently, Bendigo Bank was updated on September 23, 2026 and Macquarie Authenticator on September 21, 2026.

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