Comparison

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.

Head to head
About

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.

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
Read full description

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]

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

SSV SmartPay Personal4 screens
KEEP by Fast FX4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

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.

Scorecard5 real differences · 5 level
SSV SmartPay Personal versus KEEP by Fast FX: the parameters behind the verdict, then further details
ParameterSSV SmartPay PersonalKEEP by Fast FX
PriceFreeFree
Rating—4.7 (3 ratings) — better
Positive reviews100.0% of reviews — better77.3% of reviews
Number of ratings—3 — better
Update frequencyEvery 6 weeksEvery 10 days — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size73 MB47 MB
Age rating17+17+
DeveloperSSV SMARTPAY LimitedFast FX

Customer experience

SSV SmartPay Personal

Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

SSV SmartPay Personal

No in-app purchases

None

KEEP by Fast FX

No in-app purchases

Questions

Is SSV SmartPay Personal free?
SSV SmartPay Personal 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.
Do SSV SmartPay Personal or KEEP by Fast FX have ads?
KEEP by Fast FX shows ads; SSV SmartPay Personal does not.
Which is updated more often, SSV SmartPay Personal or KEEP by Fast FX?
SSV SmartPay Personal ships an update every 6 weeks, and KEEP by Fast FX every 10 days. Most recently, SSV SmartPay Personal was updated on August 9, 2026 and KEEP by Fast FX on June 10, 2026.

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