Westpac App: Australia's Best Banking App

These regulations ensure that digital banks follow the same standards for data protection, capital adequacy, and customer safety as traditional banks. Yes, digital banks operating in Australia are regulated by Australian financial authorities and must meet strict licensing, security, and consumer protection requirements. Each of these banks offers different strengths, such as budgeting tools, competitive savings rates, strong mobile apps, or the stability of a major financial institution, making them suitable for different customer needs. With deep experience in financial services technology, SmartOSC helps institutions modernize platforms, improve customer experiences, and adopt scalable digital banking capabilities while meeting strict regulatory and security requirements. Since digital banks differ in features and focus, it is important to evaluate how each option aligns with the way you manage and use your money.
ANZ offers a solid online banking system that includes the ANZ internet banking platform. These include everyday bank accounts, savings accounts, and term deposits. If you’re short on cash, you can even ask Douugh to ‘spot’ you an advance — though we recommend approaching this function with caution, as with all borrowed funds. You store your spending money in your spending ‘jar’, and you can even earn cashback on purchases that goes straight into your investing ‘jar’. Spriggy is a family-favorite money app that helps you teach your kids about saving, budgeting, and reaching their money goals.
A debit card comes with an everyday bank account, so you need to look at the whole account when choosing which debit card is right for you. For example, you could have one sub-account for bills, one sub account for emergencies and one for your fun 'splurge' purchases. 7 The new investing experience features and functionality in the CommBank app is only available for CommSec Pocket and individual CommSec australian real money pokies payid Share accounts. 5 CallerCheck allows you to verify whether a caller claiming to be from CommBank is legitimate, by sending a secure notification to the CommBank app. 1 Users are based on the total number of customers that have logged into the CommBank App at least once in the month of December 2025. These might include BPAY, Apple Pay, Google Pay, Samsung Pay, PayID, tap and go with Visa payWave or Mastercard PayPass.
As technology continues to evolve rapidly, 2025 brings new features and enhanced security measures that make choosing the right app more important than ever. Large enterprise procurement teams are seeking ways to de-risk their partnerships by choosing businesses that are measuring their carbon footprint. For example, Tide recently launched a carbon footprint calculator function that shows the carbon emissions of transactions, based on third-party verified calculations. For anyone looking to take control of their finances, Monzo combines ease and functionality like no other. Plus, Monzo’s round-up feature helps you save effortlessly by rounding each purchase to the nearest pound and stashing the difference.
Genome does currently not offer accounts for personal customers. Volopay does currently not offer accounts for business customers. Volopay does currently not offer accounts for personal customers.
We have selected and weighted each criteria based on what we feel would be most important to someone wanting to take control of their day-to-day spending and hit their savings goals sooner. The Up app has great customer reviews, plus heaps of features to help people better manage their day-to-day spending and achieve their savings goals sooner. The default order of products in our tables can be influenced by commercial arrangements.
Check your shortlisted account includes it, as a handful of smaller institutions still don't. Check you can actually meet the condition before choosing. Strong alternatives include ING Everyday, Up, NAB Classic Banking and ANZ Plus. The picks below are editor-selected based on features and fees. In its review, Forrester acknowledged Westpac's innovative features, highlighting its ability to offer personalised, intuitive and secure digital experiences that anticipate customer needs, help to improve financial health and protect against fraud and scams.
Westpac wins ‘Best Banking App’ for the second year running after experts rigorously analyse the features and functionality of 49 mobile banking apps. This claim is based on The Forrester Digital Experience Review™ of 4 Australian mobile banking apps in Q3 2025. "Given the widespread use of mobile banking apps in Australia, banks should consider investing in features valued by their customers," said Zhi-Ying Barry, principal analyst at Forrester. Many people refer to ING, ME, ubank and AMP Bank GO as digital banks because they don't have any physical branches - which is true. Many of the best mobile banking apps Australia now integrate powerful budgeting tools. When assessing the various options for the best mobile banking apps Australia, certain features stand out as non-negotiable for a superior user experience.
This offers a high level of security without the inconvenience of dealing with text messages or separate apps. Thriday provides the most comprehensive feature set of the apps compared as it includes invoicing and advanced accounting and tax features. By following these steps, you'll be able to set up mobile banking and take advantage of its convenience and flexibility. It helps maintain a professional image and makes conducting transactions with customers, vendors, and suppliers easier.