SSV SmartPay Personal vs KEEP by Fast FX
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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]
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.
- Instant money transfers
- Request money easily
- Secure transactions
- User-friendly interface
- Transaction history tracking
- Multi-currency support
- Integration with contacts
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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
Verdict
The clearest difference is ads: SSV SmartPay Personal at none against KEEP by Fast FX's shown. SSV SmartPay Personal also leads on monetization model (free vs free with in-app purchases) and review sentiment (100% vs 77%). KEEP by Fast FX's advantage is update cadence (every 10 days vs every 6 weeks). On price, 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.
SSV SmartPay Personal ships an update every 6 weeks, KEEP by Fast FX every 10 days. The most recent releases landed on August 9, 2026 and June 10, 2026 respectively.
| Parameter | SSV SmartPay Personal | KEEP by Fast FX |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.7 (3 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 77.3% of reviews |
| Number of ratings | — | 3 — better |
| Update frequency | Every 6 weeks | Every 10 days — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 73 MB | 47 MB |
| Age rating | 17+ | 17+ |
| Developer | SSV SMARTPAY Limited | Fast FX |
Customer experience
SSV SmartPay Personal
KEEP by Fast FX
In-app purchases
SSV SmartPay Personal
No in-app purchases
KEEP by Fast FX
No in-app purchases







