Comparison

OUTsurance vs Telkom Pay

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

Head to head
About

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.

Highlights
  • Manage insurance policies
  • Start new insurance quotes
  • Submit and track claims
  • Request emergency assistance
  • Refer friends for discounts
  • Join SmartDrive program
Read full description

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.

About

Telkom Pay

Manage your money, make payments, and get paid without needing a bank account. This app allows you to send money, buy prepaid services, and store vouchers securely. It's accessible to all network providers and simplifies transactions with easy verification.

Highlights
  • Make and receive payments
  • Send and request money
  • Buy airtime, data, and vouchers
  • Create virtual prepaid cards
  • Top up wallet via EFT or cash
  • Withdraw cash or via EFT
Features
Read full description

With Telkom Pay, you can make payments, get paid, send money, buy prepaid, store vouchers, and more. Manage your money in your Telkom Pay wallet; you don't need a bank account. You also don't need to be a Telkom customer to use the app; it works on all network providers. Sign up is easy. Verify your identity through a KYC (Know Your Customer) process for your safety. This process is done on your phone with no paperwork or branch visits. All you need to do is upload your South African identity document, valid passport or driver's license. If you are not a South African citizen, you can upload your valid foreign passport or asylum document. You will also take a 'selfie' for your security to ensure you are who you say you are. Verification is instant, and if successful, you will be able to start transacting immediately. Telkom Pay Features Receive money and make payments from your wallet; Top up your wallet by making an EFT bank transfer, a linked bank card, cash at a Pick a Pay, or a Nedbank ATM; Make a withdrawal by EFT, immediate EFT, cash at a Pick a Pay, or Cash Express ATM; Get paid by showing your QR code; Send or request money from friends and family; Pay any Scan to Pay or Snapscan QR codes; Easily create a virtual prepaid card for secure online purchases; Make EFT bank transfers to your own or someone else's bank account; Buy airtime, data, electricity or store and entertainment vouchers; View all payments made or received in your transaction history; Earn money to buy airtime by referring a friend.

Screenshots

OUTsurance4 screens
Telkom Pay4 screens

Verdict

The call

The clearest difference is rating: OUTsurance at 4.8 against Telkom Pay's 1.0. OUTsurance also leads on ratings volume (384 vs 2) and update cadence (fortnightly vs every 5 weeks). Telkom Pay's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement 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.

ReceptionRating · Positive reviews · Number of ratings

OUTsurance holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: OUTsurance has 384 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

OUTsurance ships an update fortnightly, Telkom Pay every 5 weeks. The most recent releases landed on October 26, 2026 and October 10, 2026 respectively.

Scorecard5 real differences · 5 level
OUTsurance versus Telkom Pay: the parameters behind the verdict, then further details
ParameterOUTsuranceTelkom Pay
PriceFreeFree
Rating4.8 (384 ratings) — better1.0 (2 ratings)
Positive reviews62.1% of reviews—
Number of ratings384 — better2
Update frequencyFortnightly — betterEvery 5 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size81 MB36 MB
Age rating4+4+
DeveloperOUTsuranceTelkom SA SOC Ltd

Customer experience

OUTsurance

All ratings380 ratings
Positive97.9%
Neutral0.5%
Negative1.6%
Written reviews66 reviews
Positive62.1%
Neutral13.6%
Negative24.2%

Telkom Pay

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

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
Show 8 more
  • 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
Show 3 more
  • Add dark mode option
  • Improve app compatibility with older devices
  • Allow viewing of policy details for multiple vehicles under one policy

Telkom Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

OUTsurance

No in-app purchases

None

Telkom Pay

No in-app purchases

Questions

Is OUTsurance free?
OUTsurance is free to download, with no in-app purchases.
Is Telkom Pay free?
Telkom Pay is free to download, with no in-app purchases.
Which has better reviews, OUTsurance or Telkom Pay?
OUTsurance is rated higher. OUTsurance averages 4.8 out of 5 from 384 ratings, while Telkom Pay averages 1.0 from 2 ratings.
Do OUTsurance or Telkom Pay have ads?
OUTsurance shows ads; Telkom Pay does not.
Which is updated more often, OUTsurance or Telkom Pay?
OUTsurance ships an update fortnightly, and Telkom Pay every 5 weeks. Most recently, OUTsurance was updated on October 26, 2026 and Telkom Pay on October 10, 2026.

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