Comparison

MonilyPay vs SSV SmartPay Personal

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

Head to head
About

MonilyPay

Features
Read full description

With a low, low rate% rate - much less than SumUp and Zettle! - Monily lets you keep more of your hard-earned money every time you take a payment with personal service to keep you earning. In fact, Monily is the most cost-effective, flexible way to take payments. With Monily you can: 1. Accept payments on your mobile via the app or Bluetooth card reader 2. Receive a clear daily / weekly / monthly breakdown of your income 3. Get paid directly to your bank 4. Take payments anywhere with our NFC cards or QR cards And it's so quick and easy to sign up to Monily that you can get working in minutes - and we'll give you a free card reader too! We are always available via email allan@moni.ly or Kevin@moni.ly who are happy to help!

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

MonilyPay4 screens
SSV SmartPay Personal4 screens

Verdict

The call

The clearest difference is iOS requirement: MonilyPay at 12.4 against SSV SmartPay Personal's 15.6. On price, update cadence, ads and in-app purchases there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

MonilyPay ships an update every 3 months, SSV SmartPay Personal every 6 weeks. The most recent releases landed on October 8, 2026 and October 12, 2026 respectively.

Scorecard1 real difference Β· 7 level
MonilyPay versus SSV SmartPay Personal: the parameters behind the verdict, then further details
ParameterMonilyPaySSV SmartPay Personal
PriceFreeFree
Positive reviewsβ€”100.0% of reviews
Update frequencyEvery 3 monthsEvery 6 weeks β€” better
AdsNoNo
In-app purchasesNoNo
Monetizationβ€”Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.4 β€” better15.6
Further details β€” not scored
Size17 MB60 MB
Age rating4+17+
DeveloperPay Polli LtdSSV SMARTPAY Limited

In-app purchases

None

MonilyPay

No in-app purchases

None

SSV SmartPay Personal

No in-app purchases

Questions

Is MonilyPay free?
MonilyPay 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 MonilyPay or SSV SmartPay Personal have ads?
Neither MonilyPay nor SSV SmartPay Personal shows ads.
Which is updated more often, MonilyPay or SSV SmartPay Personal?
MonilyPay ships an update every 3 months, and SSV SmartPay Personal every 6 weeks. Most recently, MonilyPay was updated on October 8, 2026 and SSV SmartPay Personal on October 12, 2026.

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