Best of 20 apps to send money on mobile

Tired of waiting in line at the bank to send money? There are tons of apps that let you send money instantly from your phone! Whether you need to pay back a friend, send cash to family, or just need a quick and easy way to transfer funds, these mobile payment apps have you covered. Look for features like low fees, fast transfer speeds, and easy-to-use interfaces.

This list includes the best apps for sending money, covering everything from peer-to-peer payments to international transfers. Check out the top three apps: Cash App, Remitly, and Venmo. We'll also cover some hidden gems with unique features that you might not have heard of before.

App Logo Available On Reviews Downloads Features
1. Cash App Cash App Icon Android, iOS 4.8/5 104M+ Send and receive money instantly, Get instant discounts
2. Remitly Remitly Icon Android, iOS 4.9/5 16M+ Secure money transfers, No hidden fees, Great exchange rates
3. Venmo Venmo Icon Android, iOS 4.9/5 55M+ Fast and secure payments, Social payment sharing, Rewards and cashback
4. PayPal PayPal Icon Android, iOS 4.8/5 361M+ Send and request money for free, Find deals right in the app
5. Wise Wise Icon Android, iOS 4.7/5 29M+ Real exchange rates, Low transfer fees, Multi-currency debit card
6. Western Union Send Money Now Western Union Send Money Now Icon Android, iOS 4.8/5 17M+ Zero transfer fee on first transfer, Send money globally 24/7
7. Taptap Send Taptap Send Icon Android, iOS 4.7/5 5M+ Fast remittances, Great exchange rates, No hidden fees
Best of 20 apps to send money on mobile

1. Cash App

Cash App Icon

Send and receive money instantly, Free debit card with discounts

Download:

Android iOS

Application information

Category Finance
Downloads Over 100 million downloads
Features Cash App is an app that allows users to send and receive money, manage their finances, invest in stocks and Bitcoin, and even file their taxes for free.
Who It’s For People looking for an easy-to-use app to send money, manage their finances, and invest.
Cash App - Send and receive money instantly, Get instant discounts
  • Tags:
  • Instant Money Transfer
  • Free Debit Card with Discounts
  • Free Tax Filing

Cash App is a game-changer for sending money, lauded by users for its ease of use and versatility. It's not just about peer-to-peer payments, though that's a breeze - Cash App allows for direct deposits, investment options, and even free discounts with its Cash Card. Users praise its intuitive interface and robust security features, making it a reliable tool for managing finances. While some users envision even more organization in transaction history, the overall sentiment is clear: Cash App is a top choice for those seeking a simple and secure way to send and manage their money.

Pros & Cons

  • Easy peer-to-peer payments
  • Convenient spending options
  • User-friendly interface
  • Secure with PIN protection
  • No transaction history editing
  • No receipt attachment feature
  • Card customization can be slow

Why we chose it?

Cash App is my go-to for sending money because it's super fast and easy! I love that I can instantly transfer funds to friends and family without any fees, and the sleek interface makes it a breeze to use. Plus, I can even buy and sell Bitcoin right in the app, which is a huge bonus!

✨ Read more: app for saving money

2. Remitly

Remitly Icon

Fast and secure money transfers, Competitive exchange rates, no hidden fees

Download:

Android iOS

Application information

Category Finance
Downloads Over 15 Million Downloads
Features Remitly is a secure and easy-to-use app for sending money internationally, offering competitive exchange rates, a variety of payment methods, and fast delivery options.
Who It’s For Individuals who need to send money to family and friends overseas.
Remitly - Secure money transfers, No hidden fees, Great exchange rates
  • Tags:
  • Secure money transfers
  • Great exchange rates
  • No hidden fees

Remitly is a user-friendly app designed to make sending money internationally a breeze. With its fast, reliable, and secure delivery, it's no wonder many users, like those who've been using it for almost two years, find it to be the best app for international money transfers. Remitly prioritizes customer satisfaction, offering responsive customer service and a user-friendly interface that allows you to easily manage your transactions. While the app excels in speed and security, it's important to note that its exchange rates might not always be the most competitive, leading some users to explore other options.

Pros & Cons

  • Easy to use app
  • Fast and reliable
  • Secure money transfer
  • Excellent customer service
  • Exchange rates not competitive
  • Delayed rate updates
  • Send Again button bug

Why we chose it?

Remitly is a fantastic app for sending money because it's incredibly user-friendly, fast, and offers competitive rates. You can easily track your transfers and even schedule them in advance, making it super convenient. Plus, the excellent customer support means you'll always have someone to help if you need it.

✨ Read more: app to check credit score

3. Venmo

Venmo Icon

Send and receive money easily, Split bills with multiple friends

Download:

Android iOS

Application information

Category Finance
Downloads Over 83 million
Features Venmo lets you easily send and receive money to friends and family, split bills, shop with a debit card, buy crypto, and more.
Who It’s For Anyone who wants a convenient and social way to send money to friends and family.
Venmo - Fast and secure payments, Social payment sharing, Rewards and cashback
  • Tags:
  • Fast money transfer
  • Split payment requests
  • Venmo debit card

Venmo is a popular app to send money, allowing users to easily pay and get paid for anything from splitting a restaurant bill to paying rent. While its social features are appreciated, some users have expressed frustration with the app's evolving design, making it difficult to navigate and set up recurring payments. Others have encountered issues with bank connections, leading to unusable functionality and potential financial consequences. Although the personal account experience is generally positive, the business page features have been criticized for persistent, unremovable notifications, creating a frustrating user experience.

Pros & Cons

  • Easy to send money
  • Fast transaction speeds
  • Social payment experience
  • Widely accepted for payments
  • Frequent design changes
  • Difficult recurring payments
  • Connection issues with banks
  • Annoying business page notifications

Why we chose it?

Venmo is my go-to app for sending money because it's super easy to use, totally free, and lets me add fun notes to payments so it's more personal than just a plain transfer. Whether I'm splitting a bill with friends or paying back a loan, Venmo makes it quick and simple, and it's always a hit with everyone I use it with!

✨ Read more: app for currency rates

4. PayPal

PayPal Icon

Send and request money instantly, Free to send and receive, Secure and reliable transactions

Download:

Android iOS

Application information

Category Finance
Downloads Over 360 million downloads
Features The PayPal app is a fast and secure way to send and receive money, shop online and in stores, manage your account, and discover cashback offers.
Who It’s For Anyone who needs a convenient and reliable app to send money to friends, family, and businesses.
PayPal - Send and request money for free, Find deals right in the app
  • Tags:
  • Easy money transfer
  • Secure online payments
  • Rewarding cashback offers

PayPal is a widely-used app to send money, offering a convenient and secure way to manage your finances. While users praise its ease of use for person-to-person payments and the helpful "PayPal in 4" feature for splitting purchases, some users are frustrated by recent app updates. Complaints range from difficulty accessing credit account information to persistent bugs that hinder functionality. Despite these issues, many users remain loyal to PayPal for its reliability and reputation in the financial world.

Pros & Cons

  • Secure way to send money
  • Easy person-to-person transactions
  • Offers PayPal in 4 installment plan
  • Reputable sellers accept PayPal
  • Buggy interface and frequent glitches
  • Difficult to access credit account balance
  • Poor customer service and lack of updates

Why we chose it?

I've tried a bunch of money-sending apps, but PayPal is my go-to! It's super easy to send money to friends and family, plus I love the security features and knowing I can manage my account all in one place. And let's be honest, the ability to send and receive money for free makes it a total winner!

✨ Read more: app for online banking

5. Wise

Wise Icon

Mid-market exchange rates, Low transfer fees, Fast international transfers

Download:

Android iOS

Application information

Category Finance
Downloads Over 29 million downloads
Features Send money internationally with low fees, get a multi-currency debit card for spending abroad, manage your finances in multiple currencies, and receive money from over 70 countries.
Who It’s For Individuals and businesses who need to send money internationally, travel frequently, or manage finances in multiple currencies.
Wise - Real exchange rates, Low transfer fees, Multi-currency debit card
  • Tags:
  • Mid-market exchange rates
  • Tiny fees upfront
  • International transfers

Wise is a popular app for sending money internationally, known for its fair exchange rates and ease of use. While users praise its competitive rates and ability to spend money abroad with the actual exchange rates, some have recently expressed frustration with the app's reliability. Complaints center around slow transfer times, sometimes exceeding 3 business days, and delays in funds showing up in accounts after initiating an exchange. Despite these hiccups, many still rely on Wise for its convenience and transparent pricing.

Pros & Cons

  • Good exchange rates
  • Easy to send money
  • Fast transfers abroad
  • Convenient for travel
  • Slow transfer times
  • Verification process frustrating
  • Money disappears for a week

Why we chose it?

Wise is my go-to app for sending money internationally because it's super transparent, charges low fees, and offers the real exchange rate. I love that I can see exactly how much I'm paying and how much the recipient will get, without any hidden costs. Plus, it's fast and easy to use, which is a huge plus when you need to send money quickly!

✨ Read more: app to borrow money

6. Western Union Send Money Now

Western Union Send Money Now Icon

Send money globally, fast, Track transfers, manage funds, Pay bills, find locations

Download:

Android iOS

Application information

Category Finance
Downloads Over 17 Million
Features The Western Union Send Money Now app lets you send money quickly and easily to over 200 countries and territories, track transfers, pay bills, review exchange rates, and find agent locations.
Who It’s For Anyone who needs to send money quickly and easily to friends, family, or businesses abroad.
Western Union Send Money Now - Zero transfer fee on first transfer, Send money globally 24/7
  • Tags:
  • Zero transfer fees*
  • Quick and easy transfers
  • Global reach (200+ countries)

The Western Union Send Money Now app is a convenient way to send money to loved ones around the world. While users praise its ease of use and appreciate the ability to send money quickly, they also express frustration with persistent ads and clunky features. Despite the occasional hiccups, the app offers a reliable service for sending money, particularly for those who value speed and convenience. However, users are vocal in their desire for a more streamlined experience, specifically requesting the removal of intrusive ads and an improved method for saving and re-using recipient information.

Pros & Cons

  • Convenient for sending money
  • Easy to navigate and use
  • Fast money transfer globally
  • Reliable for international transfers
  • Annoying ads after transactions
  • Constant prompts to rate the app
  • Difficult to select past contacts

Why we chose it?

Western Union Send Money Now is a fantastic choice for sending money on your phone! It's super easy to use, with a quick card scan feature that lets you send money in a snap. Plus, you can track your transfers, find agent locations, and even pay bills – all from one convenient app. I love the peace of mind knowing my money is secure and can reach loved ones in over 200 countries and territories.

7. Taptap Send

Taptap Send Icon

Fast transfers, low fees, Secure transactions, bank-level security

Download:

Android iOS

Application information

Category Finance
Downloads Over 5 million downloads
Features Taptap Send is a fast and secure app to send money internationally with great exchange rates, no hidden fees, and easy-to-use interface.
Who It’s For People who need to send money to family or friends abroad, especially in Africa, Asia and Latam.
Taptap Send - Fast remittances, Great exchange rates, No hidden fees
  • Tags:
  • Fast remittances
  • Great exchange rates
  • Safe & secure service

Taptap Send is a user-friendly app to send money internationally that has become a favorite for its speed, reliability, and transparency. While some users have noted occasional delays in processing, the majority rave about the app's seamless transactions, often completed within seconds. Taptap Send stands out for its honest advertising, offering competitive exchange rates without hidden fees. The app's customer service is also highly praised, with users reporting prompt and helpful assistance.

Pros & Cons

  • No transaction fees charged
  • Competitive exchange rates offered
  • Fast and reliable transfers
  • User-friendly and efficient service
  • Occasional delays in transfers
  • Exchange rates may vary slightly
  • Some users report glitches

Why we chose it?

Taptap Send is my go-to app for sending money because it's fast, reliable, and offers great exchange rates. I love that I can track my transfer in real-time and get it delivered within minutes. Plus, their customer service is fantastic, so I always feel confident knowing my money is in good hands.

8. Ria Money Transfer

Ria Money Transfer Icon

Fast and reliable transfers, Low fees and good rates, Convenient and secure sending

Download:

Android iOS

Application information

Category Finance
Downloads Over 6 million downloads
Features The app allows you to send money internationally, track your transfers, and manage your account from your mobile device.
Who It’s For Anyone who needs to send money to friends or family abroad.
Ria Money Transfer - Best exchange rates, Lowest fees, Over 500,000 locations
  • Tags:
  • Fast Transfers
  • Low fees
  • Secure Transactions

Ria Money Transfer is a popular app for sending money internationally, offering competitive exchange rates and relatively low fees. While users praise its ease of use and user-friendly interface, some have reported frustrating technical glitches, like the app closing unexpectedly mid-transaction or requiring double sign-in. Additionally, the app's city database has been criticized for inaccuracies, and some users have experienced difficulties receiving money through the app. Despite these issues, Ria Money Transfer remains a popular choice for many, but it's crucial to be aware of potential technical hiccups and to consider alternative options if you need a completely reliable and error-free experience.

Pros & Cons

  • Easy to use and operate
  • Reliable money transfer service
  • Friendly interface and good fees
  • Easy to set up and upload
  • App can close unexpectedly
  • Inaccurate city database
  • Issues receiving money
  • Unreliable transfer status

Why we chose it?

Ria Money Transfer is my go-to app for sending money abroad because it's fast, reliable, and has great exchange rates. I love that I can track my transfers in real-time and get updates on their status, plus it's super easy to use and navigate. With over 500,000 locations worldwide, I know I can send money to anyone, anywhere, with confidence!

9. MoneyGram® Money Transfers App

MoneyGram® Money Transfers App Icon

Send money globally and locally, Fast, reliable, and secure transfers

Download:

Android iOS

Application information

Category Finance
Downloads Over 5 million downloads
Features The MoneyGram Money Transfers app lets you send money internationally and within the US, transfer to bank accounts, mobile wallets, or for cash pickup in over 200 countries and territories.
Who It’s For Anyone looking for a convenient and reliable app to send money to family and friends around the world.
MoneyGram® Money Transfers App - International money transfers, Domestic money transfers
  • Tags:
  • Fast Transfers
  • Easy to use
  • Secure Transactions

The MoneyGram® Money Transfers App is a convenient way to send money internationally and within the US, offering a fast and reliable service. While users praise its ease of use for the initial transaction, they highlight the need for thorough ID verification on subsequent transfers, which may take a few minutes longer. Although the app's focus on security is appreciated, some users find it frustrating that it requires re-entering information when making edits or switching between apps, occasionally leading to crashes and restarts. Overall, while it's a useful tool for sending money abroad, the app's occasional glitches and lack of user-friendly editing features can create a less-than-ideal experience.

Pros & Cons

  • Convenient for sending money
  • Global currency and transfers
  • Secure with ID verification
  • Great for international transfers
  • Annoying editing process
  • Random driver's license request
  • App crashes frequently

Why we chose it?

I've used a lot of money transfer apps, but MoneyGram really stands out. It's super easy to send money to friends and family both in the US and internationally, and the app has great features like sending directly to bank accounts or mobile wallets. Plus, they offer great exchange rates and transparent fees, making it a truly reliable and affordable option.

10. Xoom Money Transfer

Xoom Money Transfer Icon

Fast and secure money transfer, Competitive exchange rates offered

Download:

Android iOS

Application information

Category Finance
Downloads Over 8 million downloads
Features Xoom is an app to send money that provides fast, safe, and reliable money transfers to friends and family abroad, offering competitive rates, transparent fees, secure transactions, real-time tracking, and multiple delivery options.
Who It’s For Anyone who needs to send money to family and friends abroad.
Xoom Money Transfer - 24/7 transaction protection, Competitive exchange rates
  • Tags:
  • Fast money transfer
  • Secure Transactions
  • Competitive rates

Xoom Money Transfer is an app designed to send money to loved ones abroad. While it boasts competitive rates and security features backed by PayPal, users have expressed frustration with the app's interface, which they find clunky and unintuitive. The complaint centers around the need to re-enter recipient information even for saved contacts, and the unclear design of the confirmation page. These design flaws can create a frustrating experience, making it difficult to complete transactions smoothly and efficiently.

Pros & Cons

  • Fast and reliable money transfers
  • Secure platform for sending money
  • Wide range of recipient options
  • Competitive exchange rates
  • Unintuitive and clunky user interface
  • Redundant information entry required
  • Lack of clear transaction confirmation

Why we chose it?

Xoom is my go-to app for sending money because it's fast, secure, and incredibly easy to use. I love that I can track my transfers in real-time and get competitive exchange rates, making it a breeze to send money to family abroad. Plus, having the backing of PayPal gives me peace of mind knowing my transactions are protected.

11. Zelle

Zelle Icon

Send money directly to bank accounts, Fast, secure and easy transactions

Download:

Android iOS

Application information

Category Finance
Downloads Over 26 Million
Features Zelle is a fast, safe and easy app to send money to friends and family directly from your bank account, using your recipient's email address or U.S. mobile number.
Who It’s For Individuals who want to send and receive money quickly and easily with friends and family.
Zelle - Fast bank-to-bank transfers, Easy enrollment with email or mobile number
  • Tags:
  • Fast money transfer
  • Safe and Secure
  • Easy to use

Zelle is a popular app to send money, designed to simplify quick and easy payments to friends and family. While users rave about its speed and convenience, some have reported frustrating issues with logins and functionality. Despite these hiccups, Zelle remains a favored option for many, highlighting the need for the app to address these recurring glitches for a more consistent and reliable user experience.

Pros & Cons

  • Fast and easy money transfers
  • Widely accepted by many banks
  • Secure and convenient for personal use
  • Directly linked to bank accounts
  • Occasional login and functionality issues
  • Limited features beyond personal payments
  • No customer support or dispute resolution

Why we chose it?

I'm a big fan of Zelle for sending money! It's super simple to use, with no fees to worry about. Plus, it's integrated with my bank, so I can send and receive money instantly and securely. It's definitely my go-to app for quick and easy money transfers!

12. Xe Money Transfer & Converter

Xe Money Transfer & Converter Icon

Send money globally fast, Live exchange rates updates, Competitive fees for transfers

Download:

Android iOS

Application information

Category Finance
Downloads Over 105 million downloads
Features The app allows you to research exchange rates, send money to over 200 countries, convert between 100+ currencies, set rate alerts, and transfer money securely and quickly.
Who It’s For Anyone looking for an app to send money internationally at competitive rates.
Xe Money Transfer & Converter - Live exchange rates, International money transfers
  • Tags:
  • Live Currency Rates
  • International Money Transfers
  • Fast & Secure Transfers

Xe Money Transfer & Converter is an app designed to make sending money internationally a breeze. While users appreciate its core functionality of transferring funds across borders, recent updates have sparked mixed reactions. While some welcome improvements like the removal of ads, others lament the loss of a valuable exchange rate analysis tool that offered a unique comparison to the mid-market rate. The app's new design, while visually appealing, has also received criticism for being less intuitive and cumbersome, leaving some users feeling frustrated and yearning for the simplicity of the previous version.

Pros & Cons

  • Research exchange rates
  • Transfer money quickly
  • Supports 200+ countries
  • Convenient for international payments
  • Missing exchange rate analysis tool
  • New UX/UI is not intuitive
  • Graphs were not up to date initially

Why we chose it?

I absolutely love Xe Money Transfer & Converter for sending money! It's super easy to use, with clear exchange rates and a fast transfer process. Plus, their global reach and excellent customer service make it a total breeze to send money anywhere in the world.

13. WorldRemit

WorldRemit Icon

Fast and secure money transfers, Wide range of payment methods

Download:

Android iOS

Application information

Category Finance
Downloads Over 9 million downloads
Features WorldRemit is a fast, secure, and convenient app that lets you send money to over 150 countries around the world, offering cash pickup, mobile money, bank transfers, and airtime top-up options.
Who It’s For Anyone looking for a reliable and affordable app to send money internationally.
WorldRemit - 24/7 money transfers, 50+ send countries, 100+ receive countries
  • Tags:
  • Fast and secure
  • 24/7 money transfer
  • Low transfer fees

WorldRemit is a popular app to send money internationally, offering a variety of transfer methods like bank transfers, cash pickups, and mobile money. While users praise its competitive exchange rates and speed, with money often arriving within an hour, some have reported recent challenges with the app's functionality. While the interface has been updated for a more intuitive experience, issues with error messages and delays in receiving support have been noted, leaving some users frustrated and unable to send money to their loved ones. Despite these hiccups, many users continue to rely on WorldRemit for its convenience and speed, particularly when compared to other money transfer services.

Pros & Cons

  • Easy to use app
  • Great currency prices
  • Fast money transfer
  • Various sending options
  • Support issues can arise
  • App efficiency has reduced
  • Lack of search & report downloads

Why we chose it?

WorldRemit is my go-to app for sending money abroad! It's super fast and reliable, with clear pricing and a user-friendly interface. Plus, the wide range of delivery options, like cash pickup and mobile money, makes it perfect for sending money to family and friends no matter where they are.

14. Paysend Money Transfer App

Paysend Money Transfer App Icon

Fast, low-cost international transfers, Send to bank accounts with zero fees

Download:

Android iOS

Application information

Category Finance
Downloads Over 10 million downloads
Features Paysend is a user-friendly app that allows for fast, low-cost money transfers to over 170 countries, with features like sending money to bank accounts with zero fees and card-to-card transfers.
Who It’s For Individuals and businesses looking for a simple and affordable way to send money internationally.
Paysend Money Transfer App - Zero-fee bank transfers, Fast transfers, 100+ countries supported
  • Tags:
  • Fast Transfers
  • Zero transfer fees*
  • 170+ Countries

Paysend is an app to send money internationally, boasting a wide network of over 170 countries. While users praise its speed and low fees, recent updates have sparked frustration. Some users report difficulty sending money using debit cards due to changes in the app's interface, leading to unexpected costs and confusion. Furthermore, the app's automated system has left some feeling anxious about the status of their transactions, with delayed confirmations and unhelpful support options. These issues highlight the need for human intervention and improved user experience for this app to send money.. Paysend Money Transfer App

Pros & Cons

  • Send money globally at low fees
  • Simple and fast money transfer
  • Supports multiple payment methods
  • Wide range of supported countries
  • Limited payment method options
  • Lack of reliable transaction updates
  • Poor customer support experience

Why we chose it?

I absolutely love Paysend for sending money! It's super fast and reliable, and the best part is that I can send money to bank accounts with zero fees. Plus, the app is super easy to use, so I can quickly send money to my family and friends anywhere in the world.

15. Skrill

Skrill Icon

Global money transfers, Fast and secure payments, Multiple funding methods

Download:

Android iOS

Application information

Category Finance
Downloads Over 14 million
Features Skrill is an app to send money globally, allowing you to make online payments, send money to friends and family, withdraw cash from ATMs, and load funds via various methods.
Who It’s For Individuals and businesses looking for a secure and convenient way to send money internationally.
Skrill - Global money transfer, Fast and secure payments, Skrill VISA® Prepaid Card
  • Tags:
  • Global money transfers
  • Secure online payments
  • Fast and cheap transactions

Skrill is a popular app for sending money globally, boasting a user-friendly interface and a wide range of features. While users praise its intuitive design and quick customer service, some have encountered frustrating roadblocks. Several users have reported issues with the verification process, finding it lengthy and cumbersome, particularly when dealing with electronic documents. Additionally, some have been disappointed by the fees associated with certain transactions, particularly when attempting to fund their accounts using debit cards. Although the app initially attracted users with its promise of seamless integration with Google Pay and fee-free top-ups, these features have since changed, leading some to abandon Skrill in favor of alternative payment methods.

Pros & Cons

  • Easy to navigate app layout
  • Friendly customer service
  • Send money quickly and easily
  • Can be used with Google Pay
  • Verification process takes too long
  • Poor customer service response
  • High fees for credit card funding

Why we chose it?

Skrill is a fantastic option for sending money, especially if you're looking for speed, security, and a wide range of payment methods. I love that I can easily transfer money to friends and family around the world, and the app makes it super simple to manage my finances. Plus, with top-notch security features and excellent customer support, you can rest assured your money is in good hands.

16. Revolut

Revolut Icon

Send money globally instantly, Exchange currencies at fair rates

Download:

Android iOS

Application information

Category Finance
Downloads Over 45 million downloads
Features Revolut is an app to send money, manage your finances, and spend smarter with features like international money transfers, budgeting tools, virtual cards, and more.
Who It’s For Individuals and families who need a convenient and affordable way to send money internationally, manage their spending, and access financial services.
Revolut - Excellent exchange rates, Virtual cards for security

Revolut is an app to send money that boasts a wide range of features, from international transfers and virtual cards to spending analysis and travel insurance. While users appreciate the speed and convenience of its transfer services, many find the app's interface cluttered and confusing, with a constant shifting of features that make navigating a frustrating experience. Despite its popularity, recent changes, including increased fees and the removal of valuable benefits for paid accounts, have left some users questioning Revolut's value proposition.

Pros & Cons

  • Fast and reliable money transfers
  • Supports multiple currencies
  • Easy to use for payments
  • Good exchange rates
  • Confusing and cluttered interface
  • Frequent changes in app layout
  • Increased fees and limited benefits

Why we chose it?

I absolutely love Revolut for sending money! It's super fast and easy, with no hidden fees. Plus, the exchange rates are some of the best around. I can send money to friends and family all over the world with just a few taps, and I know I'm getting a great deal.

17. Chime

Chime Icon

Free overdraft up to $200, No monthly maintenance fees, Get paid early with direct deposit

Download:

Android iOS

Application information

Category Finance
Downloads Over 25 Million Downloads
Features Chime is a mobile banking app that allows you to send and receive money, pay bills, track your spending, and manage your finances all in one place.
Who It’s For Individuals who want a mobile banking app with no monthly fees, a fee-free overdraft feature, and early access to their paychecks.
Chime - Overdraft up to $200, No monthly fees, Get paid early
  • Tags:
  • Overdraft up to $200 fee-free
  • Get paid up to 2 days early
  • No monthly fees‡

Chime is a popular mobile banking app that allows you to send money quickly and easily, with features like early direct deposit and automatic savings. While users praise its convenience and helpful features like "Spot Me" for overdraft protection, recent design updates have caused frustration for some. Complaints have arisen about the new design being unresponsive, impacting the ability to transfer money or view purchases. While the app offers many banking features, some users find it cumbersome for simple tasks like sending money to friends, citing issues with unwanted debit cards and persistent contact permission requests.

Pros & Cons

  • Early payday feature
  • Automatic saving features
  • Spot me feature helpful
  • Great customer service
  • New app design poor
  • App unresponsive at times
  • No option to decline debit card

Why we chose it?

I'm a huge fan of Chime for sending money! It's super easy to send and receive cash with no fees, and the fast transfers mean I don't have to wait around. Plus, their user-friendly interface makes it a breeze to navigate.

18. Sendwave—Send Money

Sendwave—Send Money Icon

Secure and trusted transactions, Easy and affordable transfers

Download:

Android iOS

Application information

Category Finance
Downloads Over 5 million downloads
Features Sendwave is an app that allows users to send money to friends and family in over 50 countries, with fast transfer times, low fees, and a secure platform for safe transactions.
Who It’s For People who need to send money abroad quickly and affordably.
Sendwave—Send Money - Secure and trusted, Easy and affordable, Wide range of countries
  • Tags:
  • Secure and trusted
  • Easy and Affordable
  • Real-Time Updates

Sendwave—Send Money is a popular app for sending money to friends and family around the world, particularly to those in Kenya. Users rave about the app's speed, with transfers typically taking less than 30 seconds, and its real-time tracking feature provides peace of mind, keeping you informed about the status of your transfer. However, while users generally praise the app's reliability, some have noted the lack of recent updates, particularly in terms of security and functionality. Concerns have been raised about the app's slowness and the need for enhanced filtering capabilities to improve the user experience.

Pros & Cons

  • Fast and instant transfers
  • Real-time progress tracking
  • Excellent customer service
  • Affordable transfer fees
  • Slow and buggy app
  • Limited security features
  • Lack of user-friendly filters

Why we chose it?

I've tried a ton of money transfer apps, but Sendwave really stands out! It's super easy to use, with clear pricing and no hidden fees, plus I love that I can track my transfers in real-time. Sendwave also has a fantastic customer support team, so I always feel confident that my money is in good hands.

19. Chipper Cash

Chipper Cash Icon

Send money across borders instantly, Low fees and competitive exchange rates

Download:

Android iOS

Application information

Category Finance
Downloads Over 7.5 million downloads
Features Chipper Cash is a mobile app that lets you send and receive money across Africa, the USA, and pay globally with a virtual USD card.
Who It’s For Individuals and businesses looking for a fast, easy, and affordable way to send and receive money across borders.
Chipper Cash - Local and cross-border payments, Virtual USD cards
  • Tags:
  • Fast and Easy Payments
  • Cross-Border Transactions
  • Virtual USD Cards

Chipper Cash is a user-friendly app to send money that's quickly gaining popularity across Africa and beyond. Its smooth interface and fast transaction speeds make sending money a breeze, while the low fees and even free options make it incredibly affordable. Users rave about its borderless functionality, allowing them to seamlessly transfer money between countries. While occasional delays can occur, users acknowledge that these are a common issue in any growing business. Features like airtime and data bundle cashbacks add to the app's appeal, and users are actively requesting additional features such as a savings plan with interest.

Pros & Cons

  • Easy to use interface
  • Fast and efficient transactions
  • Low or no transaction fees
  • Supports international money transfers
  • Occasional delays in transactions
  • Issues with specific features
  • Limited savings options

Why we chose it?

Chipper Cash is my go-to app for sending money because it's super fast, incredibly affordable, and ridiculously easy to use. I love that I can send money to friends and family in Africa with just a few taps, and the low fees make it a total no-brainer. Plus, I can even use my Chipper Cash card to pay for things online, which is super convenient!

20. Current

Current Icon

Send money instantly to anyone, Request money with ease, Split bills effortlessly

Download:

Android iOS

Application information

Category Finance
Downloads Over 5 million downloads
Features Current is a mobile banking app that allows you to send and receive money, build credit, access cash, and avoid fees.
Who It’s For People looking for a modern banking app with features like sending money, building credit, and accessing cash.
Current - Build credit safely, Access cash quickly, No overdraft or ATM fees
  • Tags:
  • Build credit safely
  • Access cash quickly
  • Skip overdraft fees

Current is a mobile banking app that lets you manage your money, build credit, and even get a paycheck advance. While some users have raised concerns about fees and issues with the credit builder card, many praise the app's security features and its ability to help you control your spending. If you're looking for a convenient way to send and receive money, Current could be a good option, though it's worth exploring the potential downsides before making a decision.

Pros & Cons

  • Good security and account management
  • Helps manage spending and savings
  • Allows blocking apps and subscriptions
  • Build credit with credit builder card
  • Fees to deposit money
  • Credit card may negatively impact credit score
  • Debit card frequently declines transactions

Why we chose it?

Current is my go-to for sending money because it's fast, easy, and free! I love that I can send money instantly to anyone with just their phone number, and it's always free to transfer funds between my Current account and other banks. Plus, the app is super user-friendly, so sending money is a breeze!