Best Money-Sending Apps

Best Money-Sending Apps

A money-sending app allows individuals to transfer funds to one another through an application on their phone. Rather than giving someone cash or writing them a check, money-sending apps make sharing money easy, convenient and digital. Whether you use a money-sharing app to pay rent or to split dinner with friends, pay someone for professional work or to send a gift, these apps make sending money easier than ever before.

What's the best way to split a check or send money to friend or family member? A money-sending app, of course. And the best money-sending apps make it fast and easy to get started and to send and receive money; these are the best available.


1. Venmo

Venmo - 4 star rating

(iPhone, iPad)

Venmo is one of the most popular money-sending apps available. The app belongs to PayPal, a company that's long been able to spot trends in personal finance, and it works as well as you would expect it to work. It's intuitive and features great security to protect your financial information.

For those who wants something a little socially rewarding, Venmo offers that too, allowing users to share and interact with others purchases (though you can make your payments private if you prefer). Transfer fees are also very affordable: debit card and bank transfers are free, credit card transfers are 3% of the balance, while instant transfers from your Venmo account to your bank account cost 1.5% of the amount transferred.

Devices: iOS and Android

If we missed any of the Best Money-Sending Apps, tell us about them!

Cash App

2. Cash App

Cash App - 4 star rating

(Android, iPhone, iPad)

Cash App is one of the most popular ways to send money to friends, family, and vendors, via its mobile app or website. Cash App allows users to send and receive money virtually, make online and in-person payments, and invest in stocks and cryptocurrency. It's best known for its peer-to-peer payment functionality, which competes against major players like Venmo and PayPal.

The platform lets customers pay or request money from other users who have connected a bank account, credit card, or debit card. Almost everyone who isn't using Venmo is using Cash App, and some people use both. That's because Cash App is just as easy to use as Venmo, and it offers some additional discounts when you use the Cash App debit card to make purchases.

The other big benefit of Cash App is that it's free to make transfers, even instant transfers. And Cash App also allows you to trade in stocks or Bitcoin in a very secure way.

Devices: iOS and Android


3. PayPal

PayPal - 5 star rating

(Android, iPhone, iPad)

PayPal is a comprehensive app for sending money to people you know straightforward. Users can also send money internationally, which is a nice feature if you have loved ones or professional contacts who don’t live or bank in the United States. 

PayPal is ubiquitous when it comes to payment options for freelance work. The service is an established giant in the industry and is quick and convenient to use. Users also have the option or requesting money from friends, family and other contacts. There are no transaction fees when you send money using a linked bank account or PayPal Cash, but there is a 2.9% fee when you use a credit card, debit card or PayPal Credit. 

You can send money on PayPal to a friend or family member using the mobile app, or your desktop computer. 

Devices: iOS, Android and Windows


4. WorldRemit

WorldRemit - 4 star rating

(Android, iPhone, iPad)

WorldRemit is a good choice for the best money-sending app for international transfers. While some other money-sending apps have limited international capabilities, WorldRemit is specifically designed to facilitate international transfers. The app is simple and easy to use and you can send money to more than 150 countries around the world. It does come with associated transfer fees, which can vary depending on which country and what bank you’re transferring money to.

Devices: iOS and Android

Google Pay

5. Google Pay

Google Pay - 5 star rating

(Android, iPhone, iPad)

Google Pay is a money sending app and it works well for sending money to friends and family too. The Google Pay app or “GPay” allows you to transfer money quickly throughout the entire country. With just an email address and phone number, you can send money to someone else who has GPay. You can also transfer money in and out of your bank account, and can use a Google Wallet Card that you can use at ATMs and specific locations.

They offer an intuitive app that also allows you to split the bill, import loyalty cards and use promo codes. Oh, and it’s completely free to send and receive money. Google Pay has plus discounts and offers, as well as money-sharing capabilities.

Devices: iOS and Android

As I mentioned earlier, there are a lot of money-sharing apps out there. What makes the above apps a good choice is that the likelihood that friends and family having one of the above money sending app is pretty high. This makes finding them and sending money pretty easy.

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