# NICU smartPay vs Create SMSF

The clearest difference is update cadence: Create SMSF at every 5 days against NICU smartPay's every 6 months. NICU smartPay's advantage is iOS requirement (13.0 vs 15.1). 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.

NICU smartPay ships an update every 6 months, Create SMSF every 5 days. The most recent releases landed on October 24, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | NICU smartPay | Create SMSF |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 20.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 5 days** |
| Monetization | Free | — |
| Size | 106 MB | 61 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Northern Inland Credit Union Limited](https://appshunter.io/developer/990505804) | [Create SMSF Pty Ltd](https://appshunter.io/developer/1874443589) |

## What reviewers say

### NICU smartPay

[App page](https://appshunter.io/ios/app/nicu-smartpay/id990507455)

Manage your finances with ease. View account balances, make payments, set savings goals, and control your cards directly from the home screen. Enjoy enhanced security features and quick access to all your banking needs.

**Highlights:** Quick Balance view, Biometric and PIN login, Instant transfers to members, External bank transfers, BPAY payments, Expense tracking, Card management

**Features:** macOS Compatibility

**In-app purchases:** none


### Create SMSF

[App page](https://appshunter.io/ios/app/create-smsf/id6758682804)

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NICU smartPay free?

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

### Is Create SMSF free?

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

### Do NICU smartPay or Create SMSF have ads?

Neither NICU smartPay nor Create SMSF shows ads.

### Which is updated more often, NICU smartPay or Create SMSF?

NICU smartPay ships an update every 6 months, and Create SMSF every 5 days. Most recently, NICU smartPay was updated on October 24, 2026 and Create SMSF on October 11, 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.*