Comparison

SimlessPay vs KEEP by Fast FX

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

Head to head
About

SimlessPay

This app facilitates instant international money transfers for various needs like education, medical bills, or housing. It prioritizes security with open banking technology and offers competitive exchange rates and transparent pricing. The goal is to provide a smooth and stress-free cross-border payment experience.

Highlights
  • Instant money transfers
  • Secure open banking technology
  • Competitive exchange rates
  • Transparent low-cost fees
  • Regulated and supervised
  • Cross-border payments
Features
Read full description

Simlesspay - Effortless Money Transfers for Your Needs The Simlesspay money transfer app simplifies the process of sending money to your loved ones. Whether it's for educational expenses, medical bills, monthly support, or housing projects, we've got you covered. Our goal is to redefine international money remittance with the latest technology, ensuring smooth and stress-free cross-border payments. Key Features of Simlesspay: Instant Transfers: No more waiting for minutes, hours, or days. Simlesspay ensures that your transfers are completed instantly. Security and Peace of Mind: We prioritize your security. Simlesspay utilizes open banking technology with strong customer authentication (SCA) to safeguard your account. Competitive Exchange Rates: Simlesspay always strives to provide you with better exchange rates compared to our competitors. Transparent Pricing: Our low-cost fees are upfront and consistent across the board. You can even choose whether to pay transaction fees during the transfer process. Regulated and Supervised: Simlesspay is registered and approved by the UK Financial Conduct Authority (FCA) under the Payment Services Regulations 2017. We are also supervised by the HMRC for anti-money laundering compliance. How Simlesspay Works: Download the App: Get started by downloading our mobile app. Quick Registration: Complete a brief registration process that takes just a few minutes. Choose Your Destination: Select the recipient's location. Specify the Amount: Decide how much you want to send. NO Fee: Enjoy Transactions without any fee. Add Recipient: Enter recipient details securely. Secure Payment: Use our open banking facility for a safe and convenient payment process. Instant Notifications: Receive an instant notification as soon as your transfer is successfully completed. For more details, visit our website at https://simlesspay.com or reach out to us via email at info@simlesspay.com

About

KEEP by Fast FX

Easily send and request money with instant, secure transactions. This app offers a user-friendly interface for managing all your financial exchanges, with multi-currency support and detailed transaction history.

Highlights
  • Instant money transfers
  • Request money easily
  • Secure transactions
  • User-friendly interface
  • Transaction history tracking
  • Multi-currency support
  • Integration with contacts
Features
Read full description

Keep: Send and Request Money with Ease Welcome to Keep, the ultimate solution for seamless money transfers and requests. Whether you're splitting a dinner bill, paying rent, or sending a gift, Keep makes financial transactions simple, secure, and fast. Key Features: Instant Transfers: Send money to friends and family instantly. With Keep, your transactions are processed in real-time, ensuring that your funds reach their destination without delay. Request Money: Easily request money from others. Whether it's for shared expenses or a group gift, Keep allows you to send a request with just a few taps. Secure Transactions: Your security is our top priority. Keep uses advanced encryption and security protocols to protect your financial information and ensure that your transactions are safe. User-Friendly Interface: Navigate through the app with ease. Keep's intuitive design makes it simple for anyone to send or request money, regardless of their tech-savviness. Transaction History: Keep track of all your transactions in one place. View your complete transaction history to manage your finances better and ensure transparency. Multi-Currency Support: Send and receive money in multiple currencies. Keep supports a wide range of currencies, making it ideal for international transactions. Personalized Notifications: Stay informed with real-time notifications. Get alerts for incoming and outgoing transactions, so you're always in the loop. Integration with Contacts: Easily find and connect with friends and family. Keep integrates with your phone's contacts, making it simple to send or request money from people you know. Why Choose Keep? - Reliability: Count on Keep for consistent and dependable service. Our robust infrastructure ensures that your transactions are processed smoothly every time. - Customer Support: Our dedicated support team is here to help. Whether you have a question or need assistance, we're just a message away. Keep@fastfx.co.uk - No Hidden Fees: Enjoy transparent pricing with no hidden charges. Keep offers competitive rates and clear transaction fees, so you know exactly what you're paying. Join the Keep community today and experience the future of money transfers. Download Keep now and start sending and requesting money with ease!

Screenshots

SimlessPay4 screens
KEEP by Fast FX4 screens

Verdict

The call

The clearest difference is ads: SimlessPay at none against KEEP by Fast FX's shown. SimlessPay also leads on monetization model (free vs free with in-app purchases) and ratings volume (28 vs 3). KEEP by Fast FX's advantage is rating (4.7 vs 4.5). On price, review sentiment, update cadence and in-app purchases 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

KEEP by Fast FX holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: SimlessPay has 28 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 80% of SimlessPay's written reviews are positive against 77% of KEEP by Fast FX's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 10 days. The most recent releases landed on October 14, 2026 and October 7, 2026 respectively.

Scorecard4 real differences · 6 level
SimlessPay versus KEEP by Fast FX: the parameters behind the verdict, then further details
ParameterSimlessPayKEEP by Fast FX
PriceFreeFree
Rating4.5 (28 ratings)4.7 (3 ratings) — better
Positive reviews79.6% of reviews — better77.3% of reviews
Number of ratings28 — better3
Update frequencyEvery 10 daysEvery 10 days
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size81 MB47 MB
Age rating4+17+
DeveloperSimlessPayFast FX

Customer experience

SimlessPay

All ratings28 ratings
Positive89.3%
Neutral0.0%
Negative10.7%
Written reviews103 reviews
Positive79.6%
Neutral0.0%
Negative20.4%

KEEP by Fast FX

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews22 reviews
Positive77.3%
Neutral0.0%
Negative22.7%

In-app purchases

None

SimlessPay

No in-app purchases

None

KEEP by Fast FX

No in-app purchases

Questions

Is SimlessPay free?
SimlessPay is free to download, with no in-app purchases.
Is KEEP by Fast FX free?
KEEP by Fast FX is free to download, with no in-app purchases.
Which has better reviews, SimlessPay or KEEP by Fast FX?
KEEP by Fast FX is rated higher. SimlessPay averages 4.5 out of 5 from 28 ratings, while KEEP by Fast FX averages 4.7 from 3 ratings.
Do SimlessPay or KEEP by Fast FX have ads?
KEEP by Fast FX shows ads; SimlessPay does not.
Which is updated more often, SimlessPay or KEEP by Fast FX?
SimlessPay ships an update every 10 days, and KEEP by Fast FX every 10 days. Most recently, SimlessPay was updated on October 14, 2026 and KEEP by Fast FX on October 7, 2026.

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