Comparison

NZHL Mobile Banking vs Smartly

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

Head to head
About

NZHL Mobile Banking

Manage your finances, accounts, and cards on the go. This app allows you to view balances, transfer money, pay bills, and secure your accounts with advanced features. It offers convenient banking services from your mobile device.

Highlights
  • View account balances and transaction history
  • Transfer money and pay bills
  • Manage payees and tax payments
  • Refix home loans and switch rates
  • Set up Apple Pay and manage cards
  • Secure login with PIN or biometrics
Features
Read full description

Welcome to your closest branch. Get it done online, no matter where you are, with the NZHL Mobile Banking 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, or on watchOS 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 • You can refix your home loan or switch to a variable rate when it's up for renewal 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 Visa Debit Cards APPLY OR OPEN • Order an EFTPOS or Visa Debit Card 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 NZHL 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 NZHL Mobile Banking app under the Contact Us menu in the app.

About

Smartly

This app allows employees to manage their payroll information, including viewing payslips, applying for leave, and submitting timesheets. Employers must set up employee accounts for access. It simplifies payroll management for both employees and businesses.

Highlights
  • View payslips
  • Apply for leave
  • Submit timesheets
  • Track leave balances
  • Assign hours to jobs
  • Email PDF payslips
Features
Read full description

The Smartly mobile app is for employees who work for a business that uses Smartly to manage their payroll. As an employee you can check your pay history and apply for leave as well as submit timesheets. To login, your employer needs to set you up in the payroll site and give you your username. You’ll then get an email to create your password and you’ll be good to go! FEATURES Pay details - View your payslips (up to 3 months). - Email yourself a PDF version of your payslip. - See a countdown to your next pay. Managing leave requests - Apply for leave (including special leave types). - View any upcoming leave, plus leave history and balances. - Managers can add, edit, approveor decline leave requests for their team. - View future leave balances when applying for leave. Submitting timesheets - Enter time and rate per hour. - Create multiple time entries for each day. - Managers can add, edit, approve or decline time for their team. - Remembers the last timesheet entry and prefills the same hours. - Copy a previous weeks timesheet to save time. Labour costing - Assign hours worked to different jobs or departments. ABOUT SMARTLY We know that payroll can be a headache. So, at Smartly we make it simple for businesses to pay their people on time, accurately and in-line with regulation. Faff-free payroll, happy staff, no headaches. Too easy!

Screenshots

NZHL Mobile Banking4 screens
Smartly4 screens

Verdict

The call

The clearest difference is update cadence: NZHL Mobile Banking at fortnightly against Smartly's monthly. On price, review sentiment, 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

NZHL Mobile Banking ships an update fortnightly, Smartly monthly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard1 real difference · 9 level
NZHL Mobile Banking versus Smartly: the parameters behind the verdict, then further details
ParameterNZHL Mobile BankingSmartly
PriceFreeFree
Rating—4.8 (36 ratings) — better
Positive reviews31.6% of reviews31.9% of reviews — better
Number of ratings—36 — better
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size216 MB24 MB
Age rating4+4+
DeveloperKiwibank LimitedSmartPayroll

Customer experience

NZHL Mobile Banking

Written reviews19 reviews
Positive31.6%
Neutral10.5%
Negative57.9%

Smartly

All ratings35 ratings
Positive97.1%
Neutral0.0%
Negative2.9%
Written reviews69 reviews
Positive31.9%
Neutral14.5%
Negative53.6%

Bugs and requests

NZHL Mobile Banking

Not enough reviews yet to summarise bugs or requests.

Smartly

Reported bugs

39 issues
  • Notifications don't work
  • App size increased
  • Biometrics enrollment repeated
  • Password reset issues
  • Login button unresponsive
Show 34 more
  • Keeps logging out
  • App crashes or freezes
  • Date selection hard
  • App crashes or freezes regularly
  • Issues with shifts past midnight
  • Cannot log in
  • App freezes when adding timesheet
  • Timesheet tab buffering
  • App doesn't function
  • Cannot approve timesheets
  • Randomly logs out users
  • App crashes every fortnight
  • Slow to respond to taps
  • App freezes on loading screen
  • Cannot add timesheet when logged in
  • Timesheet tab buffering and error
  • App won't function
  • Cannot approve timesheets
  • Randomly logs out
  • App crashes every fortnight
  • Slow to respond
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen
  • Login issues
  • App doesn't remember login
  • Constant lag and freezing
  • Screens don't allow scrolling
  • New timesheet layout doesn't let you copy hours
  • App needs to be repeatedly reinstalled
  • App doesn't open
  • App crashes
  • App crashes immediately
  • App hangs on white loading screen

Requested features

10 requests
  • Ability to put in start time without finish time
  • Reminder for missing finish time
  • More detailed app
  • Web portal access for employees
  • Ability to handle working past midnight without two entries
Show 5 more
  • Export staff on leave to Outlook calendar
  • Ability to put time to time in lieu
  • Previous week preloaded
  • Auto-save start and finish times from previous day
  • Notifications

In-app purchases

None

NZHL Mobile Banking

No in-app purchases

None

Smartly

No in-app purchases

Questions

Is NZHL Mobile Banking free?
NZHL Mobile Banking is free to download, with no in-app purchases.
Is Smartly free?
Smartly is free to download, with no in-app purchases.
Do NZHL Mobile Banking or Smartly have ads?
Neither NZHL Mobile Banking nor Smartly shows ads.
Which is updated more often, NZHL Mobile Banking or Smartly?
NZHL Mobile Banking ships an update fortnightly, and Smartly monthly. Most recently, NZHL Mobile Banking was updated on November 1, 2026 and Smartly on November 3, 2026.

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