Withdraw cash to pay bills? Make deposits at your bank? Yes, we know, for many these are things of the past. Although multiple banks currently offer most of their services online , there are also some apps that allow you to send money electronically. But since we know that you are not only interested in being easy to use, but also reliable, we have chosen the best applications to send money. They all operate quickly, easily and safely.
All you need is a cell phone and download some of the mobile apps that we recommend below. Since we know that privacy and security are very important in this area, do not worry because we have also taken this into account when preparing our list.
The best
Venmo
We consider this as the best application to send money on the market. It is incredibly easy to handle. Any type of payment made at Venmo, including debit cards and bank accounts are easy to make and the commission cost is 3% for credit cards. It has a security system similar to that of banks, so you should not worry about hackers that haunt the web.
The rest
AZIMO
If you have friends, family or business contacts in other countries, Azimo offers fast and cheap money transfers. Send funds from your phone to any bank account, mobile wallet or more than 300,000 secure cash withdrawal locations. Instant or one-hour transfers are operational in about 80 countries, and the service is available from 25 European countries to more than 200 countries and territories in eight languages. The first two transfers are free.
Apple Pay Cash
Unlike the other services you’ll see on this list, you may already have Apple Pay Cash if you have an iPhone. It was implemented as part of iOS 11 .2, which means you don’t need to download another app to transfer money to other iPhone owners.
One of the best things about Apple Pay Cash is that it is very well integrated with iOS, and as long as you have set up Apple Pay with a credit or debit card, you can send money quickly and easily through the Messages app. To send or receive money, open a thread in the Messages application, press the Apple Pay icon on the keyboard, choose the amount and press the “Request” or “Pay” button.
Rates, transfer times, and limits are fairly standard. You can transfer up to $ 3,000 dollars, and you will have a 3% charge when you use a credit card. Once you have money in your account, you can transfer it to your real bank account in one to three business days.
An obvious disadvantage of Apple Pay Cash is that the service is only compatible with iOS, so you cannot use it with people who have Android. Also, it doesn’t have a desktop interface either.
Google Pay
Google Pay is one of the cheapest services on the list: There are no fees for using debit cards or making bank transfers, although you will have to pay 2.9 percent for credit cards. You can transfer almost as much money as PayPal, with the maximum amount per transaction set at $ 9,999.
What really sets Google Pay apart from the rest, however, is its integration with other Google services. In Gmail, for example, you can request money simply by pressing the little dollar sign on the toolbar under a message. You can even send money through Android Messaging, the default text messaging service on most Android phones, and it will appear in Google Pay. If you have a Google home page, you can ask them to send money to a friend through Google Pay. If you choose to use the Google Pay app instead, sending money is as simple as pressing the option and entering your recipient’s email address or phone number. You can also use your fingerprint sensor or Face ID to unlock the app.
The app can also be used to make contactless payments, and can store loyalty or gift cards or even flight and concert tickets. If you only want to send money to friends and family, you can check out Google Pay Send, which only offers peer-to-peer transactions.
Facebook Messenger
The Facebook Messenger application has a function that allows you to send money to anyone in the United States. When you chat, you’ll have the ability to tap on the dollar sign located above the keyboard, located next to the photo-sharing tools and stickers. If it doesn’t appear, tap the ellipsis on the right side to bring up a list of additional options. When you have set up your debit or credit card, simply type the amount of money you want to send and select pay in the upper right corner.
PayPal
Before Venmo existed, PayPal was the most traditional application for transferring money. Although it takes longer to send and receive money, PayPal offers the ability to pay with this application in various establishments.
Of the services outlined here, PayPal is the most expensive, if you do not connect the application to your bank account, which we highly recommend you do, since it will make things much easier for you. However, if you decide not to, PayPal will be one of the most expensive services. Not only does it charge a 2.9 percent fee for money sent from a debit or credit card, it also charges an additional 30 cents.
One advantage, however, is that PayPal allows for the largest group transactions. With PayPal, you can transfer up to $ 10,000. Most people don’t usually need that much, but it’s good to have it, for any eventuality.
Square Cash
Square Cash allows you to quickly send or receive money. Its most interesting feature is how it immediately deposits the money in your bank account once the transaction is completed.
Zelle
Zelle has partnered with banks and credit unions in the United States to provide a safe and easy way to transfer funds to friends and family. Money is moved directly from one bank account to another. With the recipient’s email address or mobile phone number, you can exchange funds without transaction fees. You must have a bank account in the United States to use the service.
Chase QuickPay
Although Chase customers have access to a large number of banking options on this banking institution’s mobile application, non-customers have the ability to send and receive money using the bank’s QuickPay function and a valid email address.
Western Union
The Western Union application not only allows you to transfer money between friends and family, but also allows you to do so in more than 200 countries. It also lets you know how much your money transfers will cost and gives you the location of all Western Union branches.
WorldRemit
With WorldRemit you can send money to your friends and family safely and quickly to more than 140 countries. It is easy to use and the exchange rates are generally quite convenient. You can also choose how you want the recipient to receive the money. In addition, you can configure alerts by SMS or email when the transfer is complete.
Bank of America
The Bank of America smartphone app not only reduces the amount of time you need to spend at a branch, but it allows you to safely send and receive money to anyone (also non-customers) through a phone number or email address.
