ANZ Banking Group
Compatible with iPhone, iPod touch and iPad.
Requires iOS 3.1.2 or later.
Age Rating: 4+
There are some apps that make you very glad that you own an iPhone. ANZ goMoney is one such app, but it also makes me really glad that I switched to them from a competitor a couple of years ago. As far as bank apps go, this is the bees knees.
Forget entering a long customer ID and password each time you open the app: goMoney asks you for a PIN when you first set it up, then that’s all you need to access your cash.
The app’s main screen features the balance of your primary account at the top, with others listed below. Just tap one account to get a list of transactions. It’s clean, intuitive and fast. There’s little more you could want from checking your balance. Except, perhaps, finding a bit more cash in there. But that’s hardly the app’s fault.
There are three options at the bottom of the screen: Accounts on the left (which I’ve just described), Preferences on the right (here you can change your main account, PIN, mobile number, and find out more about the app), and Payments in the middle. It’s this screen that is the standout of the app.
Payments is divided into four buttons. There’s the standard Transfer (which lets you easily move money between your accounts) and Pay Anyone (which lets you transfer money to others using their BSB and account number) at the top, but it’s the Pay to Mobile and Uncollected buttons that are clever additions and most deserving of our attention. Instead of needing to know someone’s bank details to pay them for dinner they shouted, all you need with this app is their mobile number. Add it from your address book, enter the amount you want to transfer as well as your name and a message (if you so desire), and the app sends an SMS telling the payee to go to a website. Once there, they enter their BSB and account number, as well as a PIN that appears on your phone (the idea is that you tell them the PIN, so you can’t accidentally send money to the wrong person), and voila, the money is paid to their account. If the payee also has ANZ goMoney, this is all done automatically by the app.
The whole process actually makes you want to pay people back. It’s amazing.
What if the payee forgets about the message because they’re not near a computer when they receive it? It shows up in the Uncollected tab, where there’s a link to call them and remind them that your money is ready to be paid. If that doesn’t happen, after a week, it just goes back to your account. (But hey, you tried to pay them!)
All that aside, the only thing that would make the app better is the ability to access saved account details from your internet banking and to save the ones you add in the app.
If you’re with ANZ and have an iPhone, this free app is a necessity. You’ll always know how much money you’ve got, it’s simple to transfer it to the right account when you need it, and just as easy to send to people you owe. If you’re not with ANZ, this app is almost enough reason for iPhone users to switch banks. It’s really that good. I’m just glad I switched a while back. Even I would feel a bit nerdy telling someone at the bank that I’m closing my account because a competitor has a better app.ANZ goMoney,