Comparison

SSV SmartPay Personal vs SharePay

Price, ratings, monetisation and update history for both apps, side by side β€” 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

SharePay

Features
Read full description

SharePay is the UK’s go‑to app for effortlessly splitting group payments. Whether you're coordinating a dinner, planning a group gift, booking tickets, or organising a shared trip, SharePay takes the friction out of collecting money. No one person pays, everyone contributes via a secure link no cash, no chasing, no confusion.

Screenshots

SSV SmartPay Personal4 screens
SharePay4 screens

Verdict

The call

SSV SmartPay Personal and SharePay are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· 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, SharePay monthly. The most recent releases landed on October 12, 2026 and October 2, 2026 respectively.

ScorecardNo meaningful differences
SSV SmartPay Personal versus SharePay: the parameters behind the verdict, then further details
ParameterSSV SmartPay PersonalSharePay
PriceFreeFree
Positive reviews100.0% of reviewsβ€”
Update frequencyEvery 6 weeksMonthly β€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS15.615.5 β€” better
Further details β€” not scored
Size60 MB78 MB
Age rating17+17+
DeveloperSSV SMARTPAY LimitedSharepay ltd

In-app purchases

None

SSV SmartPay Personal

No in-app purchases

None

SharePay

No in-app purchases

Questions

Is SSV SmartPay Personal free?
SSV SmartPay Personal is free to download, with no in-app purchases.
Is SharePay free?
SharePay is free to download, with no in-app purchases.
Do SSV SmartPay Personal or SharePay have ads?
Neither SSV SmartPay Personal nor SharePay shows ads.
Which is updated more often, SSV SmartPay Personal or SharePay?
SSV SmartPay Personal ships an update every 6 weeks, and SharePay monthly. Most recently, SSV SmartPay Personal was updated on October 12, 2026 and SharePay on October 2, 2026.

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