# State vs Unity Money NZ

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.

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.

## The numbers

| Metric | State | Unity Money NZ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (4 ratings)](https://appshunter.io/ios/app/state/id995079326/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 10.8% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 78 MB | 18 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [IAG New Zealand Limited](https://appshunter.io/developer/785110129) | [Unity Credit Union](https://appshunter.io/developer/875052660) |

## What reviewers say

### State

[App page](https://appshunter.io/ios/app/state/id995079326)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Makes insurance easy
- 👍 Renewals are simple
- 👍 Checking insurance cover is easy
- 👍 Printing documents is easy
- 👍 Easy to pay online (once accessed)

**What reviewers complain about**

- 🐛 App requires newer phone/OS
- 🐛 Login issues (timeouts, incorrect password)
- 🐛 Difficult to make changes/add drivers
- 🐛 Slow and unfriendly customer service
- 🐛 Claim processing is slow

**Reported bugs**

- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays

**Requested features**

- 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


### Unity Money NZ

[App page](https://appshunter.io/ios/app/unity-money-nz/id6502267150)

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.

**Highlights:** View account balances, Make payments and transfers, Block and manage debit cards, Set up automatic payments, Secure messaging with support, Push notifications for transactions

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is State free?

State is free to download, with no in-app purchases.

### Is Unity Money NZ free?

Unity Money NZ is free to download, with no in-app purchases.

### Do State or Unity Money NZ have ads?

Neither State nor Unity Money NZ shows ads.

### Which is updated more often, State or Unity Money NZ?

State ships an update every 4 weeks, and Unity Money NZ every 2 months. Most recently, State was updated on October 22, 2026 and Unity Money NZ on October 5, 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.*