Comparison

FTFT PAY vs Send App (Prev. Send)

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

FTFT PAY

Send money worldwide quickly and conveniently with low fees and excellent customer service. This secure portal offers fast transfers, transparent pricing, and real-time tracking for over 200,000 users.

Highlights
  • Fast money transfers
  • Receive funds in under 24 hours
  • Transparent fee structure
  • Secure and regulated platform
  • Real-time transfer tracking
  • Multi-language customer support
Read full description

FTFT Pay FTFT Finance UK Limited FTFT Pay has over 200,000 customers are using our APP. FTFT Pay is a safe and secure portal for you to send money worldwide in a faster and more convenient way. We offer low fees and excelled customer service. We treat every customer as an important member of our company and have ensured that using our APP would be seamless from the start to finish. Join over 200,000 customers who have used FTFT Pay around the world and become part of the family with sending your money fast, secure, and conveniently. Fast Transfers • Send money in seconds. • Receive in less than 24 hours. • All it takes is a few taps on the app. Transparency • No Hidden Fees. • What you see is what you will pay. Keeping your Money Safe • We are licensed and an authorised payment institution. • Have full control over your transfer and see updates on the status of your transfer. • FTFT Finance UK Limited (trading as FTFT Pay) is regulated by the Financial Conduct Authority (FCA) and HMRC And more! • A customer service team that speaks your language. • Track money transfers easily from the mobile app • Exchange rates and fees are constantly updated to make sure your money goes further Send from: Austria, Belgium, Finland, France, Germany, Greece, Italy, Ireland, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Spain United Kingdom Send to: Austria, Belgium, Bangladesh, Finland, France, Germany, Ghana, Greece, India, Italy, Ireland, Kenya, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Nigeria, Pakistan, Peru Philippines, Portugal, Senegal, Slovenia, Spain, Sri Lanka, United Kingdom The FTFT Pay mobile app has everything you need to send money and track your money transfers quickly and easily. Download today. Keep in touch If at any point you have any questions, contact us on support@uk.ftft.com. Our Customer Support team is here from Monday to Friday, 8:00 am to 17:00 (GMT)

About

Send App (Prev. Send)

Send money internationally to bank accounts and mobile wallets in over 30 countries. Enjoy fast, reliable transfers with multiple payment options and multilingual support. Securely send funds with peace of mind, backed by a global support team.

Highlights
  • Send money to 30+ countries
  • Transfers to bank accounts and mobile wallets
  • Fast and reliable settlements
  • Multi-country support
  • Multiple payment options (bank, card, Apple Pay)
  • In-app assistant and global support team
  • No transaction fees
Features
Read full description

What does it matter in Lagos, Nairobi, Addis Ababa, or London? Use Send App to quickly and reliably send money to local bank accounts and even mobile money wallets whenever you want. GUARANTEED GLOBAL TRANSFERS Powered by Africa’s largest payments provider, Send App gets your money transfers settled in minutes–or days depending on the payment method. Regardless, your transfers will always hit home to serve the need they were meant for. NO BARRIERS: MULTI-COUNTRY SUPPORT English or French? We speak both fluently and will add more. So, pick a language you are comfortable with and start making instant money transfers within countries like the UK, US, Nigeria, Kenya, Germany, Ireland, Cote D’Ivoire, and Ethiopia. CHOOSE HOW YOU PAY Make transfers from your bank account, with card payments or Apple Pay. What else? You can securely save cards and make future transfers with a few taps. No stress! NEVER GET LOST Aside from our global support team–manned by actual people–you have an in-app assistant that gives fast answers to questions you might have. NO TRANSACTION FEE Send money to your loved ones without any transaction fees. Enjoy seamless transfers at no cost. SEND APP IS SECURE AND SAFE Send App is powered by Flutterwave - Africa’s largest payment network - using the same infrastructure that powers some of the biggest companies in the world. ISO 27001 & 22301 Certification Flutterwave is ISO ISO 27001 & 22301 certified, which means that we have acceptable business practices and processes, including a robust business continuity plan. PA DSS & PCI DSS Compliant This certification is proof that Flutterwave as a payment gateway processor, has satisfied the highest level of Security Audit and authorizations. LEGAL AND ADDRESSES United Kingdom Flutterwave UK Limited with Registration No. 10593971 and Registered Address: 41 Luke Street, London, United Kingdom EC2A 4DP, is registered with the Financial Conduct Authority as an EMD Agent (Ref. No 902084), of PayrNet Limited, an Electronic Money Institution authorized and regulated by the Financial Conduct Authority (Ref. No 900594) for the issuance of electronic money and payment services. Your account and related payment services are provided by PayrNet Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 - for more information please see: https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements. Lithuania Flutterwave (LITHUANIA) Limited, a private legal person with limited civil liability UAB "Flutterwave/Client" registered under the laws of Lithuania with Registration No. 305630842 and Registered Address: Vilniaus g.31, LT-01402 Vilnius. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see: https://www.eba.europa.eu/regulation-and-policy/single-rulebook/interactive-single-rulebook/5482 Canada Send App by Flutterwave is regulated by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada), located at 15 Wellesley Street West, Suite 313c, Toronto, Ontario M4y 0g7. You can contact FINTRAC at +1-877-701-0555. We process inbound remittances through licensed partnerships with FINTRAC as a Money Service Business.

Screenshots

FTFT PAY4 screens
Send App (Prev. Send)4 screens

Verdict

The call

The clearest difference is review sentiment: FTFT PAY at 100% against Send App (Prev. Send)'s 33%. FTFT PAY also leads on rating (5.0 vs 4.3) and monetization model (free vs free with in-app purchases). Send App (Prev. Send)'s advantage is ratings volume (748 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

FTFT PAY holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Send App (Prev. Send) has 748 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 100% of FTFT PAY's written reviews are positive against 33% of Send App (Prev. Send)'s.

UpkeepUpdate frequency

FTFT PAY ships an update monthly, Send App (Prev. Send) every 2 weeks. The most recent releases landed on September 29, 2026 and October 16, 2026 respectively.

Scorecard5 real differences · 5 level
FTFT PAY versus Send App (Prev. Send): the parameters behind the verdict, then further details
ParameterFTFT PAYSend App (Prev. Send)
PriceFreeFree
Rating5.0 (1 ratings) — better4.3 (748 ratings)
Positive reviews100.0% of reviews — better33.1% of reviews
Number of ratings1748 — better
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.1 — better15.1
Further details — not scored
Size20 MB97 MB
Age rating4+4+
DeveloperFTFT FINANCE UK LIMITEDFlutterwave Inc.

Customer experience

FTFT PAY

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Send App (Prev. Send)

All ratings748 ratings
Positive81.3%
Neutral3.1%
Negative15.6%
Written reviews148 reviews
Positive33.1%
Neutral6.8%
Negative60.1%

Bugs and requests

FTFT PAY

Not enough reviews yet to summarise bugs or requests.

Send App (Prev. Send)

Reported bugs

5 issues
  • Repeated login issues and account lockouts
  • Inconsistent transaction tracking and status updates
  • Unexpected account deductions and failed transfers
  • Compatibility problems with certain devices and OS versions
  • Unreliable in-app notifications and alerts

Requested features

5 requests
  • Biometric login options
  • Ability to save payment details for future use
  • Faster transaction speeds and same-day delivery
  • Expanded availability in more countries/regions
  • Improved communication and resolution of user concerns

In-app purchases

None

FTFT PAY

No in-app purchases

None

Send App (Prev. Send)

No in-app purchases

Questions

Is FTFT PAY free?
FTFT PAY is free to download, with no in-app purchases.
Is Send App (Prev. Send) free?
Send App (Prev. Send) is free to download, with no in-app purchases.
Which has better reviews, FTFT PAY or Send App (Prev. Send)?
FTFT PAY is rated higher. FTFT PAY averages 5.0 out of 5 from 1 ratings, while Send App (Prev. Send) averages 4.3 from 748 ratings.
Do FTFT PAY or Send App (Prev. Send) have ads?
Neither FTFT PAY nor Send App (Prev. Send) shows ads.
Which is updated more often, FTFT PAY or Send App (Prev. Send)?
FTFT PAY ships an update monthly, and Send App (Prev. Send) every 2 weeks. Most recently, FTFT PAY was updated on September 29, 2026 and Send App (Prev. Send) on October 16, 2026.

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