# SSV SmartPay Personal vs Monetas

The clearest difference is update cadence: Monetas at every 3 days against SSV SmartPay Personal's every 6 weeks. On price, ads, in-app purchases and device support 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, Monetas every 3 days. Both last shipped on October 12, 2026.

## The numbers

| Metric | SSV SmartPay Personal | Monetas |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 days** |
| Monetization | Free | — |
| Size | 60 MB | 59 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 12+ |
| Developer | [SSV SMARTPAY Limited](https://appshunter.io/developer/1726161330) | [Biz Audits Ltd](https://appshunter.io/developer/1870840690) |

## 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


### Monetas

[App page](https://appshunter.io/ios/app/monetas/id6758098029)

**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 Monetas free?

Monetas is free to download, with no in-app purchases.

### Do SSV SmartPay Personal or Monetas have ads?

Neither SSV SmartPay Personal nor Monetas shows ads.

### Which is updated more often, SSV SmartPay Personal or Monetas?

SSV SmartPay Personal ships an update every 6 weeks, and Monetas every 3 days. Most recently, SSV SmartPay Personal was updated on October 12, 2026 and Monetas on October 12, 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.*