State vs Unity Money NZ
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
State
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.
- 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
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About this app Your State insurance anytime, anywhere. With the State 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 for home or motor 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. 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 motor quote and pick up where you left off.
Unity Money NZ
Manage your finances on the go with this mobile banking app. View balances, make payments, block cards, and set up automatic transactions. Securely message support and receive push notifications for account activity.
- View account balances
- Make payments and transfers
- Block and manage debit cards
- Set up automatic payments
- Secure messaging with support
- Push notifications for transactions
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Helping Kiwis keep track of their money and make payments whenever it suits, with Unity’s Mobile Banking app. There are lots of simple, smart features including view your balance, make payments, block your card and more. To access your everyday banking, you can: • Login with your Access Number and password (please call us if you can’t remember your password or don’t have one yet). • Login using a 4-digit PIN or choose Touch or Face ID.* To manage your everyday banking, you can: • Check your account balances and/or loan balances. • Transfer money between your accounts. • Make payments and view your transaction history. • Set up and manage your automatic payments. • Share account details and payment confirmation to your payees. • Opt-in for push notifications to keep you up to date when money goes into or out of your account. • Message us securely when you need to. To manage your card, you can: • Update your PIN. • Temporarily block your debit card • Turn off/on online and contactless payment options. • Request a new card. To keep your money secure: • Unity’s mobile banking app uses high quality security encryption to keep your personal details safe. • You will be locked out if an incorrect PIN or Touch/Face ID are used repeatedly. (These will also time out with no activity). Unity is a New Zealand based not for profit Credit Union. Unity is proud to be a credit union and not a registered bank.
Screenshots
Verdict
The clearest difference is review sentiment: Unity Money NZ at 33% against State's 11%. Unity Money NZ also leads on iOS requirement (15.0 vs 17.0). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
State ships an update every 4 weeks, Unity Money NZ every 2 months. The most recent releases landed on October 22, 2026 and October 5, 2026 respectively.
| Parameter | State | Unity Money NZ |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) — better | — |
| Positive reviews | 10.8% of reviews | 33.3% of reviews — better |
| Number of ratings | 4 — better | — |
| Update frequency | Every 4 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 78 MB | 18 MB |
| Age rating | 4+ | 4+ |
| Developer | IAG New Zealand Limited | Unity Credit Union |
Customer experience
State
Unity Money NZ
Bugs and requests
State
Reported bugs
17 issues- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays
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- App crashes when viewing policies
- Authentication errors
- Registration stage not working
- App doesn't work or shows 'service not available'
- App bounces back to main menu with error
- App shows old/overdue/incorrect policies
- Buttons not functioning (roadside assistance, settings)
- Offers feature not working
- App doesn't render correctly on iPhone 11
- Policy button doesn't work
- Cannot view policies since updating
- Direct debit updates not real-time
Requested features
17 requests- 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
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- Sync app and website for new policies
- Provide policy wording
- Fix login timeout issues
- Allow viewing all pages of policy documents
- Improve app performance and stability
- Update the app more frequently
- Allow manual entry of addresses
- Improve customer service response times
- Make the app more interactive
- Allow viewing payment history
- Allow viewing personal details
- Improve direct debit updates to be real-time
Unity Money NZ
Not enough reviews yet to summarise bugs or requests.
In-app purchases
State
No in-app purchases
Unity Money NZ
No in-app purchases
