ANZ Australia

ANZ Australia is the banking app for people who want balances, transfers, card controls and bill payments in one place instead of calling up separate sites. By our assessment, it does the ordinary mobile-banking jobs well and stays close to the basics, which is exactly what most customers want from a finance app. The trade-off is that it is not trying to be playful or clever; the screens are built around account management, not discovery. In practice that usually means a lot of checking, tapping, confirming and waiting for the bank's own flow to finish. ANZ Australia sits with the mainstream bank apps rather than the lightweight money trackers, and it makes most sense when the person already banks with ANZ and wants the bank's own tools in their pocket.