Kiwibank Mobile Banking vs State
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kiwibank Mobile Banking
Manage your finances on the go with this mobile banking app. View balances, transfer money, pay bills, and manage cards securely. Open new accounts, apply for credit cards, and track financial goals.
- View account balances and transaction history
- Transfer money and pay bills
- Manage payees and tax payments
- Set up and manage cards
- Open and manage accounts
- Apply for credit cards
- Secure login with biometrics
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Welcome to your closest branch. Get it done online, no matter where you are, with the Kiwibank mobile app. This is banking at your fingertips. STAY ON TOP OF YOUR FINANCES • View account balances and search your transaction history • Set up Quick Balance and add widgets to your home screen to get your balances at a glance without having to login. • Pay your bills or transfer money to family, friends and others • Manage your payees • Pay tax directly to IRD • If you have a home loan with us, you can refix or switch to a variable rate when it's up for renewal • Set goals using Goal Tracker. • Do your business on the go. View, authorise or delete upcoming payments, including batch and multiple payments MANAGE YOUR ACCOUNT • Change or reset your password • Update your KeepSafe questions • Update your contact and tax details • Send a message using SecureMail • Personalise your accounts with your favourite photos. MANAGE YOUR CARDS • Set up Apple Pay and pay with your phone anywhere contactless is accepted • Set or change a PIN on your cards • Block or unblock your cards • Replace your lost, stolen and damaged cards • Cancel your EFTPOS and debit cards APPLY OR OPEN • Open and manage your everyday or investments accounts • Apply for a credit card • Order an EFTPOS or Visa Debit Card • Join Kiwi Wealth KiwiSaver Scheme. SECURE BANKING • It’s safe, secure, and backed by our internet banking guarantee • Securely access your account with a PIN code or biometric with Touch ID and Face ID on supported devices or • Log in with your Internet Banking password • KeepSafe and two factor authentication provide an extra layer of security GET STARTED Our mobile app is free to download and easy to set up, you just need to be a Kiwibank customer. If you need more information about setting up or using our mobile app, you’ll find answers to frequently asked questions here - https://www.kiwibank.co.nz/contact-us/support-hub/mobile-app/common-questions/ Please let us know what you think about the Kiwibank Mobile Banking app under the Contact Us menu in the app.
State
Manage your insurance policies, make payments, and start claims 24/7. Get new quotes in minutes and access all your policy documents easily. Log in quickly with PIN or Face ID.
- 24/7 insurance management
- Fast login with PIN/Face ID
- Online claim submission and tracking
- Policy payment management
- View policy information and documents
- Get new quotes in 2 minutes
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About this app Your State insurance anytime, anywhere. With the State app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID. Make a claim online Starting your claim is easy in the app. If you need to claim for home or motor insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way. Easily manage your payments Make a payment for your policy straight from the app. All your policies in one place View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post. Get a quote Get a new quote in 2 minutes. Or find an existing motor quote and pick up where you left off.
Screenshots
Verdict
The clearest difference is rating: State at 4.5 against Kiwibank Mobile Banking's 3.1. Kiwibank Mobile Banking's advantage is review sentiment (30% vs 11%) and ratings volume (18 vs 4). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
State holds the better App Store score, 4.5 against 3.1. Both are backed by a comparable volume of ratings — 18 and 4 respectively. Written reviews complicate that: 30% of Kiwibank Mobile Banking's written reviews are positive against 11% of State's, so the app with the better star average is not the one people write more warmly about.
Kiwibank Mobile Banking ships an update fortnightly, State every 4 weeks. The most recent releases landed on October 29, 2026 and October 22, 2026 respectively.
| Parameter | Kiwibank Mobile Banking | State |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (18 ratings) | 4.5 (4 ratings) — better |
| Positive reviews | 30.0% of reviews — better | 10.8% of reviews |
| Number of ratings | 18 — better | 4 |
| Update frequency | Fortnightly — better | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, Apple Watch — better | iPhone, iPad |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 258 MB | 78 MB |
| Age rating | 4+ | 4+ |
| Developer | Kiwibank Limited | IAG New Zealand Limited |
Customer experience
Kiwibank Mobile Banking
State
User reviews
Kiwibank Mobile Banking
From 18 App Store ratingsWhat we love
- 👍 Easy to use and intuitive interface
- 🚀 Fast and responsive app performance
- 💳 Apple Pay support (recently added)
- 🔒 Secure authentication with Face ID/Touch ID
- 📱 Good basic banking functions
Room to improve
- ⚠️ Forced iOS version requirements lock out older devices
- 🐛 Frequent app crashes and freezes
- ⏱️ Slow login and loading times
- 🔄 Endless update loops on incompatible devices
- ❌ Poor customer support responsiveness
State
From 4 App Store ratingsWhat we love
- 👍 Makes insurance easy
- 👍 Renewals are simple
- 👍 Checking insurance cover is easy
- 👍 Printing documents is easy
- 👍 Easy to pay online (once accessed)
Room to improve
- 🐛 App requires newer phone/OS
- 🐛 Login issues (timeouts, incorrect password)
- 🐛 Difficult to make changes/add drivers
- 🐛 Slow and unfriendly customer service
- 🐛 Claim processing is slow
Bugs and requests
Kiwibank Mobile Banking
Reported bugs
16 issues- App requires iOS 16+ update, blocking users on iOS 15 and older
- Infinite loop when updating app on incompatible devices
- Payment failures requiring app reinstall
- Balance not updating after transactions without logout/login
- Unexpected error messages during payments and login
Show 11 moreShow fewer
- App stuck in loading screen indefinitely
- Face ID not working automatically (requires manual tap)
- Widget not updating or showing loading screen permanently
- Account lockout after 3 failed PIN attempts
- Share button on transaction receipts crashes app
- Login issues on mobile data (50% failure rate)
- App crashes on startup for some users
- Accounts not syncing across multiple devices
- Cannot change debit card accounts (error message)
- Display issues with account names and balances
- KeepSafe questions not screen reader accessible
Requested features
16 requests- Real-time transaction notifications and alerts
- Google Pay support
- Transaction time stamps (not just processing time)
- Favorites/frequent payees section
- Export statements in PDF format
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- Virtual card support
- Budgeting and spending breakdown tools
- Copy account number button
- Search transactions by payee name
- Larger widget font sizes
- Transaction notifications for specific amounts or types
- Smart watch/wearable device support
- Improved widget functionality
- Better pending transaction visibility
- Direct Debit approval notifications
- Privacy and security audit logs
State
Reported bugs
17 issues- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays
Show 12 moreShow fewer
- App crashes when viewing policies
- Authentication errors
- Registration stage not working
- App doesn't work or shows 'service not available'
- App bounces back to main menu with error
- App shows old/overdue/incorrect policies
- Buttons not functioning (roadside assistance, settings)
- Offers feature not working
- App doesn't render correctly on iPhone 11
- Policy button doesn't work
- Cannot view policies since updating
- Direct debit updates not real-time
Requested features
17 requests- Allow adding drivers on the app
- Allow making changes to policies on the app
- Show monthly/weekly/fortnightly/annual premium in summary
- Clearly show payment transaction statement in one place
- Allow adding new addresses manually
Show 12 moreShow fewer
- Sync app and website for new policies
- Provide policy wording
- Fix login timeout issues
- Allow viewing all pages of policy documents
- Improve app performance and stability
- Update the app more frequently
- Allow manual entry of addresses
- Improve customer service response times
- Make the app more interactive
- Allow viewing payment history
- Allow viewing personal details
- Improve direct debit updates to be real-time
In-app purchases
Kiwibank Mobile Banking
No in-app purchases
State
No in-app purchases







