Comparison

NICU smartPay vs Eftsure ID

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

Head to head
About

NICU smartPay

Manage your finances with ease. View account balances, make payments, set savings goals, and control your cards directly from the home screen. Enjoy enhanced security features and quick access to all your banking needs.

Highlights
  • Quick Balance view
  • Biometric and PIN login
  • Instant transfers to members
  • External bank transfers
  • BPAY payments
  • Expense tracking
  • Card management
Features
Read full description

The app includes new features and functions, upgraded security and is simpler to navigate, easier to understand, and quicker to use. Its new design allows you to quickly see your account balance, make payments, set a savings goal and manage your card(s) directly from the home screen. Easy access to: • 'Quick Balance' to view your balances without logging in • Biometric authentication (fingerprint/facial recognition) and PIN, Password or pattern login options • SMS one-time password capability for added security • Transfer to other NICU Members instantly • Transfer funds to external bank accounts using 'Pay Anyone' and add new payees • Manage your PayID • Make BPAY® payments • Add, delete and modify scheduled payments • View pending transactions • How I Spend helps you view, track and manage expenses • Update your contact details • Manage your cards - activate, change PIN, temporarily lock or unlock, report a card lost or stolen • Easy access to 'interest earned' at tax time Things to Know • This app is for NICU Members only. • Mobile data downloading or internet usage charges may apply. • Whilst we make every effort, the NICU smartPay mobile app is not compatible with all devices and operating systems.

About

Eftsure ID

Features
Read full description

Banks ignore account names when you pay, costing Australian businesses over $1 billion each year as a result of fraud and error. Prevent payment fraud or errors by verifying bank information with Eftsure ID.

Screenshots

NICU smartPay4 screens
Eftsure ID3 screens

Verdict

The call

The clearest difference is update cadence: Eftsure ID at every 3 weeks against NICU smartPay's every 6 months. NICU smartPay's advantage is iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and device support 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

NICU smartPay ships an update every 6 months, Eftsure ID every 3 weeks. The most recent releases landed on June 4, 2026 and September 8, 2026 respectively.

Scorecard2 real differences · 6 level
NICU smartPay versus Eftsure ID: the parameters behind the verdict, then further details
ParameterNICU smartPayEftsure ID
PriceFreeFree
Positive reviews20.0% of reviews—
Update frequencyEvery 6 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size106 MB9 MB
Age rating4+4+
DeveloperNorthern Inland Credit Union LimitedEFTsure

In-app purchases

None

NICU smartPay

No in-app purchases

None

Eftsure ID

No in-app purchases

Questions

Is NICU smartPay free?
NICU smartPay is free to download, with no in-app purchases.
Is Eftsure ID free?
Eftsure ID is free to download, with no in-app purchases.
Do NICU smartPay or Eftsure ID have ads?
Neither NICU smartPay nor Eftsure ID shows ads.
Which is updated more often, NICU smartPay or Eftsure ID?
NICU smartPay ships an update every 6 months, and Eftsure ID every 3 weeks. Most recently, NICU smartPay was updated on June 4, 2026 and Eftsure ID on September 8, 2026.

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