# Kiwibank Mobile Banking vs State

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.

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.

## The numbers

| Metric | Kiwibank Mobile Banking | State |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (18 ratings)](https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653/reviews) | **[4.5 (4 ratings)](https://appshunter.io/ios/app/state/id995079326/reviews)** |
| Number of ratings | **18** | 4 |
| Positive reviews | **30.0% of reviews** | 10.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 4 weeks |
| Monetization | Free | Free |
| Size | 258 MB | 78 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Kiwibank Limited](https://appshunter.io/developer/504216656) | [IAG New Zealand Limited](https://appshunter.io/developer/785110129) |

## What reviewers say

### Kiwibank Mobile Banking

[App page](https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653)

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.

**Highlights:** 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

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- ⚠️ 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

**Reported bugs**

- 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

**Requested features**

- 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


### State

[App page](https://appshunter.io/ios/app/state/id995079326)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Makes insurance easy
- 👍 Renewals are simple
- 👍 Checking insurance cover is easy
- 👍 Printing documents is easy
- 👍 Easy to pay online (once accessed)

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays

**Requested features**

- 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


## Frequently asked questions

### Is Kiwibank Mobile Banking free?

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

### Is State free?

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

### Which has better reviews, Kiwibank Mobile Banking or State?

State is rated higher. Kiwibank Mobile Banking averages 3.1 out of 5 from 18 ratings, while State averages 4.5 from 4 ratings.

### Do Kiwibank Mobile Banking or State have ads?

Neither Kiwibank Mobile Banking nor State shows ads.

### Which is updated more often, Kiwibank Mobile Banking or State?

Kiwibank Mobile Banking ships an update fortnightly, and State every 4 weeks. Most recently, Kiwibank Mobile Banking was updated on October 29, 2026 and State on October 22, 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.*