🇦🇺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	AlipayAlipay (Hangzhou) Technology Co. Ltd	Android	3.0	344
2	WestpacWestpac Banking Corporation	Android	3.7	323
3	YouTripYou Technologies Group (Singapore) Pte. Ltd	Android	4.1	314
4	CommBankCommonwealth Bank of Australia	Android	3.7	313
5	NAB Mobile BankingNAB	Android	4.6	282
6	TossViva Republica	Android	3.9	246
7	Google WalletGoogle LLC	Android	4.3	243
8	PayPal - Pay, Send, SavePayPal Mobile	Android	4.1	205
9	ANZ AustraliaAustralia and New Zealand Banking Group Limited	Android	4.3	201
10	ANZ PlusAustralia and New Zealand Banking Group Limited	Android	4.7	151
11	Klarna: Smarter everyday moneyKlarna Bank AB (publ)	Android	4.5	142
12	Bendigo BankBendigo and Adelaide Bank Ltd	Android	4.7	140
13	Wise: International TransfersWise Payments Ltd.	Android	4.8	132
14	Raiz \| Earn, Save & InvestRaiz Invest	Android	4.5	128
15	Remitly: Send Money & TransferRemitly	Android	4.8	105
16	Revolut: Spend, send and saveRevolut Ltd	Android	4.6	89
17	Betashares Direct \| InvestingBetashares	Android	4.4	33
18	FlareFlare HR	Android	3.4	31
19	moomoo AU: Trading & InvestingMoomoo Technologies Inc.	Android	4.5	11
20	Smart Salary PackagingSmartsalary Pty Ltd.	Android	4.2	1
21	Zip - Shop Now, Pay Laterzip.co	iOS	4.9	0
22	AustralianSuperAustralianSuper Pty Ltd	iOS	2.7	0
23	ANZ AustraliaANZ Banking Group Limited	iOS	4.7	0
24	Remitly: Send Money OverseasRemitly Inc	iOS	4.8	0
25	Taptap Send: Money TransferTaptap Send, Inc.	iOS	4.8	0
26	CommBankCommonwealth Bank of Australia	iOS	4.7	0
27	Macquarie AuthenticatorMacquarie Bank Limited	iOS	2.9	0
28	NAB Mobile BankingNAB	iOS	4.8	0
29	Klarna \| Smarter paymentsKlarna Bank AB	iOS	4.6	0
30	Australian Taxation OfficeAustralian Taxation Office	iOS	2.8	0
31	ANZ PlusANZ Banking Group Limited	iOS	4.8	0
32	Stake – Stocks \| ETFs \| SMSFStake	iOS	4.6	0
33	Wise - Global MoneyWise Payments Ltd	iOS	4.8	0
34	Smart Salary PackagingSmartsalary Pty Ltd	iOS	4.5	0
35	Up — Easy MoneyUp Money	iOS	4.9	0
36	Raiz \| Earn, Save & InvestRAIZ INVEST AUSTRALIA LIMITED	iOS	4.7	0
37	SplitwiseSplitwise, Inc.	iOS	4.3	0
38	Revolut: Spend, send and saveRevolut Ltd	iOS	4.8	0
39	WestpacWestpac Banking Corporation	iOS	4.5	0
40	Macquarie Mobile BankingMacquarie Bank Limited	iOS	3.8	0
41	FlareFlare HR Pty Ltd	iOS	4.4	0
42	PayPal - Send, Manage, PayPayPal, Inc.	iOS	4.7	0

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 →