Finance Magic vs SSV SmartPay Personal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Finance Magic
This app streamlines the mortgage application process by connecting users with their financial advisors. It allows for creating and tracking applications, communicating with advisors, and accessing credit reports. It's designed to be the first interactive mortgage app in the UK.
- Automated mortgage application
- Connect with financial advisor
- Track existing applications
- Communicate with advisor
- Access credit reports (TransUnion)
- Find best mortgage rates
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Finance Magic™ app automates the mortgage application journey connecting you to your adviser seamlessly. You will be able to create new application, track existing application, communicate with your adviser, get best rates, and stay up-to-date. You will also be able to check your credit report via TransUnion. This is the first interactive mortgage app in the UK. "Finance Magic™", which is a trading style of Ever North Limited. Ever North Limited is FCA authorised and regulated in the UK. Ever North's FCA number is 800196.
SSV SmartPay Personal
This app facilitates quick, secure, and free money transfers within the UK. It allows users to send and receive payments for various purposes, including shopping, rent, and splitting bills, directly from their bank apps. It also supports in-store payments via QR codes at participating retailers.
- 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
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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]
Screenshots
Verdict
The clearest difference is update cadence: Finance Magic at weekly against SSV SmartPay Personal's every 6 weeks. SSV SmartPay Personal's advantage is review sentiment (100% vs 83%). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Finance Magic ships an update weekly, SSV SmartPay Personal every 6 weeks. The most recent releases landed on October 15, 2026 and October 12, 2026 respectively.
| Parameter | Finance Magic | SSV SmartPay Personal |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (2 ratings) — better | — |
| Positive reviews | 83.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 2 — better | — |
| Update frequency | Weekly — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.6 |
| Further details — not scored | ||
| Size | 270 MB | 60 MB |
| Age rating | 4+ | 17+ |
| Developer | Ever North Limited. Finance Magic is a trading style of Ever North Limited | SSV SMARTPAY Limited |
Customer experience
Finance Magic
SSV SmartPay Personal
In-app purchases
Finance Magic
No in-app purchases
SSV SmartPay Personal
No in-app purchases
Questions
Is Finance Magic free?
Is SSV SmartPay Personal free?
Do Finance Magic or SSV SmartPay Personal have ads?
Which is updated more often, Finance Magic or SSV SmartPay Personal?
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