# SSV SmartPay Personal > UK-based app for fast, secure, and free bank transfers and payments. (iPhone/iPad app by SSV SMARTPAY Limited.) - Source: https://appshunter.io/ios/app/ssv-smartpay-personal/id6476199859 (this page in markdown: same URL + `.md`) - Developer: [SSV SMARTPAY Limited](https://appshunter.io/developer/1726161330) - Category: Finance, Shopping - Price: Free - Age rating: 17+ - Requires: iOS 13.0 · 73 MB - Languages: American English - Released: 2024-02-11 - Data updated: 2026-08-09 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ssv-smartpay-personal/id6476199859/reviews.md ## What is SSV SmartPay Personal? SSV SmartPay - The fast, safe, and free way to pay and get paid in the UK. SEND AND RECEIVE MONEY Send and receive money for everything from shopping to splitting dinner or paying rent. Add a personal note to each payment and share it instantly with friends and family. THE EASIEST WAY TO PAY SSV SmartPay works with all major UK Bank Apps, so you don’t need to enter Account Numbers or Sort Codes or worry about using the same bank. Simply tap your friend's name and pay! PAY WITH SSV SMARTPAY AND SUPPORT LOCAL BUSINESSES You can also pay in-store at thousands of UK retailers that accept SSV SmartPay Instant Bank Pay. Scan the SSV SmartPay QR code, pay from your bank app, and go! This convenient payment experience saves you time and helps local businesses save on expensive card processing fees. PAY SECURELY WITH SSV SMARTPAY SSV SmartPay triggers an instant bank transfer between your UK Bank App and your recipient's UK Bank App. The payment is processed instantly (or max up to 2 hrs) and securely by your bank, just like any other bank transfer. The recipient receives funds instantly with zero hassle. Download the free SSV SmartPay app today and make paying friends, family, and businesses easy! You can also learn more by visiting [www.ssvsmartpay.co] ## Key features - Send and receive money - Split bills and pay rent - Instant bank transfers - Pay in-store with QR codes - Works with major UK banks - Add personal notes to payments ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/ssv-smartpay-personal/id6476199859/reviews.md ### 5/5 — Secure & convenient! *2025-01-07, version 2.1* Comes with detailed instructions and so easy to use ! Even comes with a rewards system ### 5/5 — It is highly user-friendly and secure. *2024-09-20, version 1.7* This payment app is designed to be highly user-friendly, ensuring a seamless experience for all users, while also maintaining top-tier security protocols to safeguard transactions and sensitive information. ### 5/5 — Smooth Transaction *2024-09-20, version 1.7* Such an easy way to send and receive money without sharing bank information. Loved this app. ### 5/5 — Fantastic *2024-09-20, version 1.7* The app is great! ## Frequently asked questions about SSV SmartPay Personal ### How secure is SSV SmartPay Personal? SSV SmartPay Personal triggers instant bank transfers processed securely by your bank, similar to any other bank transfer. The app prioritizes security for all transactions, ensuring your funds are protected during transit between UK bank apps. ### Does SSV SmartPay Personal work with all UK banks? Yes, SSV SmartPay Personal is designed to work with all major UK Bank Apps. This means you can send and receive money without needing to know or enter specific account numbers or sort codes for the recipient. ### What types of payments can I make with SSV SmartPay Personal? You can use SSV SmartPay Personal for a variety of payments, including sending money for shopping, splitting dinner bills, paying rent, and making in-store purchases at retailers that accept SSV SmartPay QR codes. ### How long does it take to receive money with SSV SmartPay Personal? Payments processed through SSV SmartPay Personal are typically instant bank transfers. In most cases, the recipient will receive funds immediately, with a maximum processing time of up to 2 hours. ### Can I pay in physical stores using SSV SmartPay Personal? Yes, you can pay in-store at thousands of UK retailers that accept SSV SmartPay Instant Bank Pay. Simply scan the SSV SmartPay QR code at the checkout and complete the payment from your bank app. ### Is SSV SmartPay Personal free to use? Yes, SSV SmartPay Personal is completely free to download and use for sending and receiving money. It aims to help both users and local businesses save on transaction fees. ### What devices is SSV SmartPay Personal available on? SSV SmartPay Personal is available for iPhone and iPod devices. The app is designed for iOS users looking for a streamlined payment solution. ### How often is SSV SmartPay Personal updated? The latest version of SSV SmartPay Personal is 3.1, last updated on May 7, 2026. While this indicates a recent update, users can expect regular updates to maintain security and introduce new features. ## Version history (last 5 releases) ### 3.2 — 2026-08-06 UI/UX Enhancement ### 3.1 — 2026-05-07 UI/UX Enhancements ### 3.0 — 2026-01-27 UI/UX Enhancement ### 2.9 — 2026-01-15 UI/UX Enhencement ### 2.8 — 2025-11-04 UI/UX enhancement. ## Apps similar to SSV SmartPay Personal | App | Rating | Price | Category | | --- | --- | --- | --- | | [Paystro: Send money to Africa](https://appshunter.io/ios/app/paystro-send-money-to-africa/id6450613849) | — | Free | Finance | | [Fena Toolkit](https://appshunter.io/ios/app/fena-toolkit/id6475571703) | — | Free | Finance | ## More apps by SSV SMARTPAY Limited - [SSV SmartPay Business](https://appshunter.io/ios/app/ssv-smartpay-business/id6476194595) All apps by SSV SMARTPAY Limited: https://appshunter.io/developer/1726161330 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-09.*