Comparison

Kiwibank Mobile Banking vs AMI

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

AMI

Manage your insurance policies, make claims, and get new quotes quickly and easily. Access all your policy documents and payment options in one convenient place, anytime, anywhere. Features faster login options for seamless access.

Highlights
  • 24/7 insurance management
  • Faster login (PIN/Face ID)
  • Online claim submission and tracking
  • Payment management
  • View policy information and documents
  • Get new quotes in 2 minutes
Features
Read full description

About this app​ Your AMI insurance anytime, anywhere.​ With the AMI 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 on your car, home or contents 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. Or if you have a recurring payment, you can manage that in the app too.​ ​ 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 car quote and pick up where you left off.

Screenshots

Kiwibank Mobile Banking4 screens
AMI4 screens

Verdict

The call

The clearest difference is rating: AMI at 4.5 against Kiwibank Mobile Banking's 3.1. Kiwibank Mobile Banking's advantage is review sentiment (30% vs 12%). On price, ratings volume, update cadence and ads 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

AMI holds the better App Store score, 4.5 against 3.1. Both are backed by a comparable volume of ratings — 18 and 10 respectively. Written reviews complicate that: 30% of Kiwibank Mobile Banking's written reviews are positive against 12% of AMI's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Kiwibank Mobile Banking ships an update fortnightly, AMI monthly. The most recent releases landed on October 29, 2026 and October 21, 2026 respectively.

Scorecard2 real differences · 8 level
Kiwibank Mobile Banking versus AMI: the parameters behind the verdict, then further details
ParameterKiwibank Mobile BankingAMI
PriceFreeFree
Rating3.1 (18 ratings)4.5 (10 ratings) — better
Positive reviews30.0% of reviews — better11.7% of reviews
Number of ratings18 — better10
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better17.0
Further details — not scored
Size258 MB78 MB
Age rating4+4+
DeveloperKiwibank LimitedIAG New Zealand Limited

Customer experience

Kiwibank Mobile Banking

All ratings18 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews190 reviews
Positive30.0%
Neutral11.1%
Negative58.9%

AMI

All ratings10 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews77 reviews
Positive11.7%
Neutral7.8%
Negative80.5%

User reviews

Kiwibank Mobile Banking

From 18 App Store ratings

What 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

AMI

From 10 App Store ratings

What we love

  • 👍 Great service (occasional)
  • 👍 Super convenient (occasional)
  • 👍 Refreshed app works great (recent)
  • 👍 App is fine once logged in (occasional)

Room to improve

  • 🐛 App crashes frequently
  • 🐛 Slow loading times
  • 🐛 Clunky and difficult navigation
  • 🐛 Frequent logouts
  • 🐛 Login issues (access denied, blank screen, errors)

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 more
  • 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
Show 11 more
  • 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

AMI

Reported bugs

10 issues
  • App crashes on opening or loading policies
  • Login errors (access denied, blank screen, 'Oops' message, 'cannot decode raw data')
  • App redirects to website instead of functioning
  • Unable to download new or updated versions
  • Constant logging out
Show 5 more
  • Policies not showing in the app
  • Cannot change payment options
  • Payment not confirmed or updated on app
  • Contact us feature not working
  • App not supporting Face ID

Requested features

8 requests
  • Support Face ID or similar biometric login
  • Streamline the login process
  • Display numeric keyboard for verification
  • Do not reset login preferences on update
  • Send 2FA codes to autofill
Show 3 more
  • Provide clear policy documents with itemized costs
  • Add a link to find monthly payments
  • Make it easier to cancel a policy

In-app purchases

None

Kiwibank Mobile Banking

No in-app purchases

None

AMI

No in-app purchases

Questions

Is Kiwibank Mobile Banking free?
Kiwibank Mobile Banking is free to download, with no in-app purchases.
Is AMI free?
AMI is free to download, with no in-app purchases.
Which has better reviews, Kiwibank Mobile Banking or AMI?
AMI is rated higher. Kiwibank Mobile Banking averages 3.1 out of 5 from 18 ratings, while AMI averages 4.5 from 10 ratings.
Do Kiwibank Mobile Banking or AMI have ads?
Neither Kiwibank Mobile Banking nor AMI shows ads.
Which is updated more often, Kiwibank Mobile Banking or AMI?
Kiwibank Mobile Banking ships an update fortnightly, and AMI monthly. Most recently, Kiwibank Mobile Banking was updated on October 29, 2026 and AMI on October 21, 2026.

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