# Bendigo Bank vs Macquarie Authenticator

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | Bendigo Bank | Macquarie Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (63 ratings)](https://appshunter.io/ios/app/bendigo-bank/id482844929/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/macquarie-authenticator/id1441276749/reviews) |
| Number of ratings | **63** | 2 |
| Positive reviews | **56.8% of reviews** | 14.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 4 weeks |
| Monetization | Free | Free |
| Size | 33 MB | 185 MB |
| Requires iOS | **15.4** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Bendigo and Adelaide Bank Ltd](https://appshunter.io/developer/482844932) | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) |

## What reviewers say

### Bendigo Bank

[App page](https://appshunter.io/ios/app/bendigo-bank/id482844929)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 🚀 Straightforward and efficient
- 🔒 Good security features
- 💳 Ability to manage multiple accounts
- 🏦 Reliable and trustworthy bank

**What reviewers complain about**

- 🐛 Frequent app crashes and login issues
- ⏱️ Slow app performance and long load times
- 🔒 Overly complex security measures
- 📱 Limited functionality compared to other banking apps
- 🔕 Lack of transaction notifications and alerts

**Reported bugs**

- 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**

- 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

[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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*