OUTsurance vs PayCentral
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
OUTsurance
Manage your insurance policies, get emergency assistance, and make claims easily. Start new quotes, buy funeral plans, and track your claims 24/7. Refer friends for discounts and join a smart driving program for premium savings.
- Manage insurance policies
- Start new insurance quotes
- Submit and track claims
- Request emergency assistance
- Refer friends for discounts
- Join SmartDrive program
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There’s only one way to get the most OUT of your insurance. And that’s with the OUTsurance app. Whether it’s managing your policy, helping you in an emergency, making claims easy, or even getting discounts when you successfully refer a friend, it’s all doable wherever you are, 24/7. Top features: • Start quotes for car, home contents, buildings, life and business insurance products. • Buy a funeral plan or OUTthere on-demand life cover in a few taps. • Add a new valuable to your existing policy. • View your policy details and OUTbonus amount with the respective due date. • Refer friends and family and get R1000 off our premium for every successful referral. • Register for our SmartDrive programme and receive up to 10% discount on your premium. • Request emergency assistance for your car and your home, 24/7. • Add a contact person to your policy and edit your own contact details. • Request changes to your current policies. • Request documents, such as confirmation of cover and policy schedules. • Update your vehicle registration details. • Complete a windscreen and geyser claim in record time. • Submit a claim for your products. • Track your entire claims process.
PayCentral
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PayCentral are leaders in prepaid payment solutions and specialise in creating industry specific debit cards that allow businesses to pay, incentivise and reward their staff or consumers. Our secure online platform allows business owners to make payments using an alternative payment mechanism. Card holders are able to store and spend their money with ease in a cost-effective environment. We work together with our clients to create customised solutions which enable them to easily manage, monitor and effectively control funds which used in their business operations. PayCentral has significant expertise in the rewards and incentive market and our products can be used across all industries. Our cards are powered by MasterCard and Standard Bank, providing much needed national coverage for all cardholders. PayCentral is a proudly South African Level 1 B-BBEE company, operating out of Johannesburg and Lusaka. We have a firm commitment to empowering individuals and doing our bit to make a difference in disadvantaged communities. INSTANT. ANYWHERE. ANYTIME.
Screenshots
Verdict
The clearest difference is ads: PayCentral at none against OUTsurance's shown. On price, update cadence, in-app purchases and device support 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.
OUTsurance ships an update fortnightly, PayCentral monthly. The most recent releases landed on October 9, 2026 and October 6, 2026 respectively.
| Parameter | OUTsurance | PayCentral |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (380 ratings) — better | — |
| Positive reviews | 62.1% of reviews | — |
| Number of ratings | 380 — better | — |
| Update frequency | Fortnightly — better | Monthly |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 81 MB | 46 MB |
| Age rating | 4+ | 4+ |
| Developer | OUTsurance | PayCentral (Pty) Ltd |
Bugs and requests
OUTsurance
Reported bugs
13 issues- App keeps logging out frequently
- Smart Drive requires location services but permission is not requested
- App crashes after updates
- Inaccurate policy data displayed in the app
- Cannot add members to policy
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- Vehicle tracking not recording trips
- Biometric login is not functional
- Registration process for existing clients is broken
- App does not open after latest update
- Scanning barcode on license disc closes the app
- App doesn't show tracking on iPhone
- Email required error when loading info during vehicle insurance
- App keeps saying email is required when it's provided
Requested features
8 requests- Add ability to view last five years of claims details
- Increase font size based on device settings
- Allow points man requests after trip completion
- Enable fingerprint access for login
- Improve Smart Drive functionality for non-policyholders
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- Add dark mode option
- Improve app compatibility with older devices
- Allow viewing of policy details for multiple vehicles under one policy
PayCentral
Not enough reviews yet to summarise bugs or requests.
In-app purchases
OUTsurance
No in-app purchases
PayCentral
No in-app purchases









