Comparison

Finance Magic vs SSV SmartPay Personal

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

Head to head
About

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.

Highlights
  • Automated mortgage application
  • Connect with financial advisor
  • Track existing applications
  • Communicate with advisor
  • Access credit reports (TransUnion)
  • Find best mortgage rates
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Finance Magic4 screens
SSV SmartPay Personal4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

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.

Scorecard2 real differences · 8 level
Finance Magic versus SSV SmartPay Personal: the parameters behind the verdict, then further details
ParameterFinance MagicSSV SmartPay Personal
PriceFreeFree
Rating2.5 (2 ratings) — better—
Positive reviews83.3% of reviews100.0% of reviews — better
Number of ratings2 — better—
Update frequencyWeekly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size270 MB60 MB
Age rating4+17+
DeveloperEver North Limited. Finance Magic is a trading style of Ever North LimitedSSV SMARTPAY Limited

Customer experience

Finance Magic

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews6 reviews
Positive83.3%
Neutral16.7%
Negative0.0%

SSV SmartPay Personal

Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Finance Magic

No in-app purchases

None

SSV SmartPay Personal

No in-app purchases

Questions

Is Finance Magic free?
Finance Magic is free to download, with no in-app purchases.
Is SSV SmartPay Personal free?
SSV SmartPay Personal is free to download, with no in-app purchases.
Do Finance Magic or SSV SmartPay Personal have ads?
Neither Finance Magic nor SSV SmartPay Personal shows ads.
Which is updated more often, Finance Magic or SSV SmartPay Personal?
Finance Magic ships an update weekly, and SSV SmartPay Personal every 6 weeks. Most recently, Finance Magic was updated on October 15, 2026 and SSV SmartPay Personal on October 12, 2026.

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