Comparison

AMI vs ANZ Digital Key

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

Head to head
About

AMI

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
Read full description

About this app​ Your AMI insurance anytime, anywhere.​ With the AMI 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 on your car, home or contents 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. Or if you have a recurring payment, you can manage that in the app too.​ ​ 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 car quote and pick up where you left off.

About

ANZ Digital Key

Securely log in and approve transactions for specific ANZ digital channels using biometric authentication or a PIN. This free app offers a faster and more convenient way to manage your banking securely.

Highlights
  • Biometric login (Face ID, Fingerprint ID)
  • PIN authentication
  • Secure transaction approval
  • Faster banking access
  • Enhanced channel security
Read full description

At ANZ we’re committed to helping you bank simply, safely, securely and conveniently. ANZ Digital Key (ADK) allows you to log on and perform approval activities via Face ID, Fingerprint ID or a PIN in certain ANZ Digital Channels. It enhances the channel security capabilities, providing a free, faster and more convenient method for customers to securely transact with ANZ. For customers completing ANZ's identity verification (eKYC) process, ANZ Digital Key may be used to securely read the microchip in supported ePassports using your phone's NFC (Near-Field Communication) capability. ADK is applicable to specific ANZ customers and ANZ Digital Channels. Please note: 1. To use this app: a) Your ANZ Digital Services User ID must be authorised to use ADK. b) Your device must be running iOS 16.4 or later. 2. It is advisable to have protective software, such as antivirus, installed on your device for security purposes. 3. ADK may require access to the following device resources: a) Camera - For scanning QR codes and enabling Face ID. b) Biometrics - For Fingerprint ID or Face ID. c) Notifications - To receive push notifications. d) NFC - To securely read the microchip in supported ePassports when completing ANZ's identity verification (eKYC) process. For further information about staying safe when banking online, visit http://www.anz.com/onlinesecurity. For further information about ANZ Digital Key, please contact your ANZ representative. Customer service contact details can also be found at http://anz.com/servicecentres. ANZ Digital Key is provided by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ("ANZBGL"). iPhone and iPad are trademarks of Apple Inc.

Screenshots

AMI4 screens
ANZ Digital Key4 screens

Verdict

The call

The clearest difference is rating: AMI at 4.5 against ANZ Digital Key's 4.0. AMI also leads on update cadence (monthly vs every 5 months). ANZ Digital Key's advantage is review sentiment (25% vs 12%). On price, ratings volume, 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.

ReceptionRating · Positive reviews · Number of ratings

AMI holds the better App Store score, 4.5 against 4.0. Both are backed by a comparable volume of ratings — 10 and 4 respectively. Written reviews complicate that: 12% of AMI's written reviews are positive against 25% of ANZ Digital Key's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

AMI ships an update monthly, ANZ Digital Key every 5 months. The most recent releases landed on October 13, 2026 and October 15, 2026 respectively.

Scorecard3 real differences · 7 level
AMI versus ANZ Digital Key: the parameters behind the verdict, then further details
ParameterAMIANZ Digital Key
PriceFreeFree
Rating4.5 (10 ratings) — better4.0 (4 ratings)
Positive reviews11.7% of reviews25.0% of reviews — better
Number of ratings10 — better4
Update frequencyMonthly — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad — betteriPhone
Requires iOS17.016.4 — better
Further details — not scored
Size78 MB55 MB
Age rating4+4+
DeveloperIAG New Zealand LimitedANZ Banking Group Limited

Customer experience

AMI

All ratings10 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews77 reviews
Positive11.7%
Neutral7.8%
Negative80.5%

ANZ Digital Key

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews4 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

Bugs and requests

AMI

Reported bugs

10 issues
  • 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
Show 5 more
  • Policies not showing in the app
  • Cannot change payment options
  • Payment not confirmed or updated on app
  • Contact us feature not working
  • App not supporting Face ID

Requested features

8 requests
  • 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
Show 3 more
  • Provide clear policy documents with itemized costs
  • Add a link to find monthly payments
  • Make it easier to cancel a policy

ANZ Digital Key

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

AMI

No in-app purchases

None

ANZ Digital Key

No in-app purchases

Questions

Is AMI free?
AMI is free to download, with no in-app purchases.
Is ANZ Digital Key free?
ANZ Digital Key is free to download, with no in-app purchases.
Which has better reviews, AMI or ANZ Digital Key?
AMI is rated higher. AMI averages 4.5 out of 5 from 10 ratings, while ANZ Digital Key averages 4.0 from 4 ratings.
Do AMI or ANZ Digital Key have ads?
Neither AMI nor ANZ Digital Key shows ads.
Which is updated more often, AMI or ANZ Digital Key?
AMI ships an update monthly, and ANZ Digital Key every 5 months. Most recently, AMI was updated on October 13, 2026 and ANZ Digital Key on October 15, 2026.

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