# Kiwibank Mobile Banking vs AMI

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.

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

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.

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

## The numbers

| Metric | Kiwibank Mobile Banking | AMI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (18 ratings)](https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653/reviews) | **[4.5 (10 ratings)](https://appshunter.io/ios/app/ami/id997576572/reviews)** |
| Number of ratings | **18** | 10 |
| Positive reviews | **30.0% of reviews** | 11.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| 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


### AMI

[App page](https://appshunter.io/ios/app/ami/id997576572)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


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