Comparison

AMI vs Xero Verify

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

Xero Verify

Enhance your business's online security with this official authentication app. It adds an extra layer of protection to your account, preventing unauthorized access even if your password is compromised. Enjoy fast and secure logins with push notifications or offline verification codes.

Highlights
  • Push notification authentication
  • Generate offline verification codes
  • QR code setup
  • Secure Xero account logins
  • Multi-factor authentication
Features
Read full description

This is the official authentication app developed by Xero Ltd. It's free to use, and Xero will never charge you for it. At Xero, protecting your data is fundamental to everything we do. Just one easily guessed password can stop your business in its tracks. So Xero has put an extra deadbolt on the door to help keep your data secure. This is why Xero uses MFA to secure logins. It significantly reduces the risk of someone gaining access to your account, even if they've managed to obtain your email and password through a phishing attack or malware. The Xero Verify app is simple to use. You can receive push notifications for fast authentication, instead of having to open the app and enter a code into Xero when you login. Simply accept the notification on your device's home screen - it's that easy. Features: * Sign into your Xero account using push notifications on your device (if enabled). * Generate six digit verification codes, even if you don't have a network or mobile connection. * Use Xero Verify to authenticate your Xero account (it can't be used on other products outside Xero) * Easy set up using QR code Permission notice: Camera: Needed to add accounts using QR codes Push notifications: Accept to receive push notifications Follow Xero on Twitter: https://twitter.com/xero/ Join the Xero Facebook Fan page: https://www.facebook.com/Xero.Accounting Privacy policy: https://www.xero.com/about/legal/privacy/ Terms of use: https://www.xero.com/about/legal/terms/

Screenshots

AMI4 screens
Xero Verify3 screens

Verdict

The call

The clearest difference is rating: AMI at 4.5 against Xero Verify's 1.4. Xero Verify's advantage is ratings volume (205 vs 10) and iOS requirement (15.0 vs 17.0). On price, review sentiment, update cadence and ads 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 1.4. That said, the two scores are not equally well evidenced: Xero Verify has 205 ratings behind it against 10, so its average is the more settled of the two. Written reviews complicate that: 12% of AMI's written reviews are positive against 15% of Xero Verify'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, Xero Verify every 3 weeks. The most recent releases landed on October 13, 2026 and October 20, 2026 respectively.

Scorecard3 real differences · 7 level
AMI versus Xero Verify: the parameters behind the verdict, then further details
ParameterAMIXero Verify
PriceFreeFree
Rating4.5 (10 ratings) — better1.4 (205 ratings)
Positive reviews11.7% of reviews14.7% of reviews — better
Number of ratings10205 — better
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.0 — better
Further details — not scored
Size78 MB10 MB
Age rating4+4+
DeveloperIAG New Zealand LimitedXero Ltd

Customer experience

AMI

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

Xero Verify

All ratings205 ratings
Positive11.2%
Neutral0.5%
Negative88.3%
Written reviews252 reviews
Positive14.7%
Neutral2.0%
Negative83.3%

User reviews

AMI

From 10 App Store ratings

What we love

  • 👍 Great service (occasional)
  • 👍 Super convenient (occasional)
  • 👍 Refreshed app works great (recent)
  • 👍 App is fine once logged in (occasional)

Room to improve

  • 🐛 App crashes frequently
  • 🐛 Slow loading times
  • 🐛 Clunky and difficult navigation
  • 🐛 Frequent logouts
  • 🐛 Login issues (access denied, blank screen, errors)

Xero Verify

From 205 App Store ratings

What we love

  • 🚀 Seamless integration
  • 🔒 Robust security
  • 👍 Easy to use
  • 🚀 Quick authentication

Room to improve

  • 🐛 Unreliable performance
  • 🔒 Forced MFA requirement
  • 📱 Unnecessary separate app
  • ⏱️ Time-consuming setup
  • 🔑 Difficult to recover from lost credentials

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

Xero Verify

Reported bugs

3 issues
  • Codes not working
  • Repeated login issues
  • Sync problems between app and web

Requested features

3 requests
  • Option to use SMS/email for 2FA
  • Integrate with existing authenticator apps
  • Provide more flexible security settings

In-app purchases

None

AMI

No in-app purchases

None

Xero Verify

No in-app purchases

Questions

Is AMI free?
AMI is free to download, with no in-app purchases.
Is Xero Verify free?
Xero Verify is free to download, with no in-app purchases.
Which has better reviews, AMI or Xero Verify?
AMI is rated higher. AMI averages 4.5 out of 5 from 10 ratings, while Xero Verify averages 1.4 from 205 ratings.
Do AMI or Xero Verify have ads?
Neither AMI nor Xero Verify shows ads.
Which is updated more often, AMI or Xero Verify?
AMI ships an update monthly, and Xero Verify every 3 weeks. Most recently, AMI was updated on October 13, 2026 and Xero Verify on October 20, 2026.

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