The 8 Best Apps to Send Money in 2024

Fast, Easy, & Everyone's Doing It: Venmo

Venmo is one of the most popular money-sending apps available. It belongs to PayPal, a company that's been spotting trends in personal finance for a long time and works well. The Venmo app is intuitive and features excellent security to protect your financial information.

For those who want something a little socially rewarding, Venmo lets users see, 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% of the amount transferred (with a $10 cap). Venmo debit and credit cards allow you to earn rewards and interact easily with your Venmo balance.

Venmo also introduced the ability to create a business profile, allowing business owners and casual sellers to conduct business transactions with the app.

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Best for iPhone Users: Apple Cash

If you use Apple Pay, Apple Cash is a no-thought-required option for sending and receiving payments on your iPhone, iPad, or Apple Watch. Sending money to someone is as easy as sending a text message. There's nothing to download to your device because Apple Pay is already installed, and Apple Cash is part of that app.

The main drawback to Apple Cash is that it works only with other Apple users. You can't send money to anyone who isn't using an Apple device.

Best for Android Users: Google Pay

If you're an Android user, Google Pay would seem to be a natural choice. It lets you send money to family and friends (in the U.S. and India only), pay bills, and even set up recurring payments. You can't send money internationally, and some banks won't allow you to add your credit or debit card to Google Pay.

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The App Backed By Your Bank: Zelle

It's no secret that the banking industry is behind in electronically managing finances, and sending cash is no different. That's where Zelle comes in to help these institutions keep up with modern times. It's a simple-to-use app that integrates with your bank account.

If your bank is a Zelle partner, you can use it in your bank's mobile app. There's no need to download a separate app. If your bank isn't a Zelle partner, download the Zelle app.

The good thing is you can use Zelle to send cash to others who don't have an account, as long as their bank is on board.

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A Better Way to Send Money Internationally: WorldRemit

If you send a lot of money to international destinations, WorldRemit is your first, best choice. There are no minimums for how much you can send, and the unpredictable fees tend to be lower than with other apps with international capabilities. One of the most appreciated features of WorldRemit is the speed with which transactions are processed.

Recipients can pick up their money from banks, receive it digitally, or have it delivered to their homes.

WorldRemit claims transfers can be made as quickly as text messages are delivered. For that speed, however, you give up some of the fancier features of other apps.

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For Anyone Not Using Venmo: Square's Cash App

Almost everyone who isn't using Venmo uses Cash App, and some people use both. Cash App is as easy to use as Venmo and offers additional discounts when you use the Cash App debit card to make purchases.

The other benefit of Cash App is that it's free to make transfers, even instant transfers, to other Cash App users. If you're moving money out of your account, the transaction costs you a 1.5% fee. Cash App also allows you to trade in stocks or Bitcoin securely.

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The Digital Wallet That's Been Around the Longest: PayPal

PayPal has been around since 1998. Originally a payment provider for eBay, it's matured with the addition of payment-sending capabilities via the PayPal: Mobile Cash app, which serves as both a money app and a mobile wallet.

With domestic and international capabilities, PayPal offers what you expect from a long-standing name in online payments, including sending money, splitting bills, getting instant spending notifications, buying Bitcoin, and more.

Linked bank accounts and PayPal cash transactions are free, but you're charged a fee for using debit and credit cards. It might be worth reading PayPal's fee schedule, as it can be confusing. Transfers also take a bit longer with PayPal.

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