# MonilyPay vs SSV SmartPay Personal

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.

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

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.

## The numbers

| Metric | MonilyPay | SSV SmartPay Personal |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 6 weeks** |
| Monetization | — | Free |
| Size | 17 MB | 60 MB |
| Requires iOS | **12.4** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Pay Polli Ltd](https://appshunter.io/developer/1785658511) | [SSV SMARTPAY Limited](https://appshunter.io/developer/1726161330) |

## What reviewers say

### MonilyPay

[App page](https://appshunter.io/ios/app/monilypay/id6444026347)

**Features:** macOS Compatibility

**In-app purchases:** none


### SSV SmartPay Personal

[App page](https://appshunter.io/ios/app/ssv-smartpay-personal/id6476199859)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*