🇦🇺Worst Finance Apps in Australia

The most complained-about finance apps in Australia on App Store and Google Play, ranked by total negative reviews (1-2 stars) from real users. Updated weekly.

#	App	Platform	Rating	Negative Reviews
1	CommSecCommSec	Android	3.1	391
2	AustralianSuperAustralianSuper	Android	3.1	356
3	AlipayAlipay (Hangzhou) Technology Co. Ltd	Android	3.0	349
4	ING Australia BankingING Australia	Android	3.1	347
5	WestpacWestpac Banking Corporation	Android	3.8	327
6	YouTripYou Technologies Group (Singapore) Pte. Ltd	Android	4.1	319
7	CommBankCommonwealth Bank of Australia	Android	3.7	313
8	Aware SuperAware Super	Android	4.6	303
9	HostplusHostplus Superannuation	Android	4.8	294
10	NAB Mobile BankingNAB	Android	4.6	291
11	Freecash - Earn RewardsFreecash	Android	4.3	289
12	Ubank: Digital Banking86400	Android	4.6	274
13	ME GoME Bank	Android	4.0	265
14	TossViva Republica	Android	3.7	252
15	Google WalletGoogle LLC	Android	4.3	232
16	my NDISNational Disability Insurance Agency	Android	4.4	217
17	Spaceship: Investing AppSpaceship Financial Services	Android	4.4	215
18	ANZ AustraliaAustralia and New Zealand Banking Group Limited	Android	4.3	213
19	PayPal - Pay, Send, SavePayPal Mobile	Android	4.1	205
20	Klarna: Smarter everyday moneyKlarna Bank AB (publ)	Android	4.5	195
21	Up — Simplify MoneyUp Money	Android	4.8	191
22	ANZ PlusAustralia and New Zealand Banking Group Limited	Android	4.6	161
23	Bendigo BankBendigo and Adelaide Bank Ltd	Android	4.7	156
24	Klarna \| Smarter paymentsKlarna Bank AB	iOS	4.6	137
25	Mileage Tracker by DriversnoteDriversnote Mileage Tracker	Android	4.7	135
26	Raiz \| Earn, Save & InvestRaiz Invest	Android	4.5	132
27	CommSecCommonwealth Bank of Australia	iOS	4.2	122
28	PayPal - Send, Manage, PayPayPal, Inc.	iOS	4.7	115
29	Revolut: Spend, send and saveRevolut Ltd	Android	4.6	101
30	Do your thing - ING BankingING Bank (Australia) Limited	iOS	1.4	98
31	Wise: International TransfersWise Payments Ltd.	Android	4.8	96
32	Remitly: Transfer money abroadRemitly	Android	4.8	92
33	AustralianSuperAustralianSuper Pty Ltd	iOS	2.7	91
34	People First BankHeritage and People's Choice Limited	Android	4.1	87
35	Macquarie Mobile BankingMacquarie Bank Limited	iOS	3.8	54
36	Betashares Direct \| InvestingBetashares	Android	4.3	41
37	HESTAHESTA	Android	3.3	40
38	CommBankCommonwealth Bank of Australia	iOS	4.7	40
39	Unity BankUnity Bank Ltd	Android	3.4	36
40	FlareFlare HR	Android	3.6	33
41	SplitwiseSplitwise, Inc.	iOS	4.3	23
42	NAB Mobile BankingNAB	iOS	4.8	19
43	ANZ PlusANZ Banking Group Limited	iOS	4.8	16
44	moomoo AU: Trading & InvestingMoomoo Technologies Inc.	Android	4.6	15
45	Smart Salary PackagingSmartsalary Pty Ltd	iOS	3.8	13
46	WestpacWestpac Banking Corporation	iOS	4.5	13
47	Up — Easy MoneyUp Money	iOS	4.9	10
48	Smart Salary PackagingSmartsalary Pty Ltd.	Android	3.1	10
49	Australian Taxation OfficeAustralian Taxation Office	iOS	2.8	9
50	Zip - Shop Now, Pay Laterzip.co	iOS	4.9	9

Worst Finance Apps in Other Countries

See how the same finance apps fare across other markets.

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Worst Apps in Australia by Other Categories

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Why Finance Apps Fail in Australia

Finance apps that earn the most complaints in Australia usually share the same failure patterns: missing local payment methods, broken integrations with country-specific services, slow servers, missing language support, or feature parity gaps with the global version. Reviews concentrate around the moment a finance feature works in the US or UK but breaks in Australia.

This page ranks finance apps in Australia by total number of negative reviews (1-2 stars). Whether you are researching competitors before launching a finance app in Australia, benchmarking your own app against local pain points, or just curious which finance apps users in Australia complain about most: this data shows you what is actually happening on the ground, not what marketing pages claim.

See best finance apps in Australia →|Worst Finance (global) →|All worst apps in Australia →|Full Leaderboard →