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Whether you’re sending money to a friend, paying a freelancer, or transferring funds internationally , choosing the right app can make all the difference. Sure, you could write a check, but with so many payment apps that make sending and receiving money instantly easy, who wants to deal with cashing a check ? In today’s digital age, numerous apps offer fast, convenient, and often free ways to send money.
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But with so many options available, how do you know which one is right for you? Top Picks from MoneyPantry $10 bonus FreeCash The average user earned $28 yesterday, and most get their first payout in under 17 minutes. Over $50M paid out Snag Your $10.00 Bonus $25 survey Earn Haus Over 5,588 surveys available with same-day payouts via PayPal, Venmo, or eCheck Start Earning Now $10 bonus Swagbucks The gold standard for rewards. Over $685M paid to members for playing games, shopping, and taking polls Claim Your $10.00 Bonus $8 survey King Opinion Highly vetted and trustworthy. High-paying studies with potential earnings up to $210/mo Join the Panel Free $10K+ prizes HealthyWage HealthyWage has paid thousands to real winners like Brittney M. ($1,057) and Mariana A. ($10,899) for hitting their fitness targets Start Your HealthyWage Challenge In this guide, we’ll explore the best money transfer apps, highlighting their key features, fees, and benefits to help you find the perfect app for your needs. Table of Contents Toggle Top Apps to Send Money Here are the safest apps for transferring money to someone or a business quickly and easily. 1. PayPal PayPal is one of the most popular apps for sending money. You can send money from your bank account or PayPal balance. PayPal also offers other features that make it a great option, such as being able to use it as a payment option on many online shopping websites . The best part about PayPal is that there are no fees within the U.S. for sending money to family and friends when you use your PayPal balance or bank account, or a combination of the two. However, there is a charge when sending money via a credit card or debit card. You can also use it to send money from PayPal to Cash App which is very handy for those of us using Cash App. Get the app: Download for iOS here . Download for Android here . 2. Venmo Venmo is a good app for money transfers. It’s a digital wallet that allows you to send money to people. It doesn’t charge a fee for sending money from a linked bank account, debit card, or your Venmo balance. However, it does charge a fee for sending money from a credit card. You can also use Venmo to pay in apps and online. Get the app: Download for iOS here . Download for Android here . 3. Xoom If you’re looking to send money internationally, give Xoom a try. It’s a service from PayPal that you can use to send money abroad. There are three different ways to send money: Advertisements 1. You can have the funds deposited to a bank account. 2. Send cash for pickup at thousands of partner locations around the world. 3. Get the cash delivered right to your recipient’s door. You can send money to more than 160 countries. Fees vary depending on factors like the country you are sending the money to and the amount you’re sending. Most money transfers are available to the recipient within minutes, but some can take up to a few days. Get the app: Download for iOS here . Download for Android here . 4. Zelle Zelle is a great app for transferring money from bank to bank. You can find Zelle in the banking app of hundreds of banks and credit unions nationwide. You can send money right from your banking app, even if the recipient has a different US-based bank or credit union. Money is in the recipient’s account within minutes in most cases. Payments made between consumers who are enrolled with Zelle usually don’t incur transaction fees, but you should check with your financial institution to determine any applicable fees. Get the app: Download for iOS here . Download for Android here . 5. Facebook Messenger You can send money with Facebook Messenger! You can securely send money to friends and family through Messenger using a bank-issued debit card or PayPal account. Facebook Messenger doesn’t charge fees to send money. Most of the time, the money is transferred right away, but it may take up to 5 business days for the payment provider to post the money in the recipient’s account. Get the app: Download for iOS here . Download for Android here . 6. Google Pay Google Pay is a digital wallet that you can use to send money to people. The time it takes for the recipient to receive the money depends on the payment method you use to send the funds. In most cases, payments are instant or are sent within a few hours, unless you send a payment via your bank account . It can take up to 3 to 5 business days for the recipient to receive the money if you make the payment via your bank account. Google Pay does not charge fees. Get the app: Download for iOS here . Download for Android here . 7. Walmart Walmart offers a couple of ways for you to send money domestically. You can send money online or head into your local Walmart store where you can use Walmart2Walmart (Powered by RIA) or MoneyGram to send money across the US. Fees start at $4. Funds can arrive in as little as 10 minutes. Get the app: Download for iOS here . Download for Android here . 8. Cash App If you ever wondered, “ How can I send money to someone instantly? “, this is how! Cash App is an app that you can use to send money to people. In most cases, it’s free to send money. You can transfer money from Cash App to another bank account instantly. Get the app: Download for iOS here . Download for Android here . 9. WorldRemit WorldRemit is another app where you can send money internationally. You can send money to mobile money accounts, bank accounts, and locations for cash pickup. You can send money to more than 130 countries. It does charge fees, which vary depending on factors such as how much money you’re sending and the country you’re sending it to. However, you can get zero fees on your first transfer with this offer . According to the site, 90% of its transactions are completed within minutes. The time it takes to receive the money, however, depends on where you are sending it. Transfers to some countries are instant, while for others, it can take 1 to 2 days. You can select the country you’re sending money to in order to see how long the international bank transfer will take. Get the app: Download for iOS here . Download for Android here . Money Transfer Apps: Final Thoughts Next time you need to send money to someone, make sure to try out one of the safe and trusted money transfer apps on the list above. What do you think is the best app for sending money? Let us know in the comments section below! Top Pick Recommended by MoneyPantry $50 bonus Rakuten Shop at 3,500+ top stores and get your cashback in as little as 15 days. Highest sign-up bonus we've seen in years ★★★★★ MP Verified · 3,500+ stores Snag Your $50.00 Bonus Tweet Pin Facebook About the Author Lauren Bennett Lauren Bennett is a UK-based personal finance writer specializing in budgeting, frugal living, and side hustles. Her work focuses on practical, actionable strategies for everyday people looking to stretch their income further.
Edited & Fact-Checked by Saeed Darabi, Founder of MoneyPantry. View all posts by Lauren Bennett → Share your thoughts Cancel reply Keep Reading You Might Be Interested In These 7 min read Read it now → 41 Amazon Review Trader Sites to Get Free Products! Are you looking for Amazon review sites to get free Amazon products? Reviews are everything on Amazon. Reviews are what sell products!… Read more → 6 min read Read it now → 17 Legit Ways to Get Free Robux in 2025 Searching for a “secret” way to earn free Robux without spending a penny? You are in the right place! looking for friends on dating app
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