# SSV SmartPay Personal vs KEEP by Fast FX

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, device support and iOS requirement there is nothing between them.

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 September 26, 2026 and June 10, 2026 respectively.

## The numbers

| Metric | SSV SmartPay Personal | KEEP by Fast FX |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.7 (3 ratings)](https://appshunter.io/ios/app/keep-by-fast-fx/id6737156640/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | **100.0% of reviews** | 77.3% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Every 10 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 59 MB | 47 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [SSV SMARTPAY Limited](https://appshunter.io/developer/1726161330) | [Fast FX](https://appshunter.io/developer/1774985709) |

## What reviewers say

### SSV SmartPay Personal

[App page](https://appshunter.io/ios/app/ssv-smartpay-personal/id6476199859)

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:** Vision Pro support

**In-app purchases:** none


### KEEP by Fast FX

[App page](https://appshunter.io/ios/app/keep-by-fast-fx/id6737156640)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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 September 26, 2026 and KEEP by Fast FX on June 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*