9 Great Apps Like Cash App For Money Transfers & Payments

Mobile apps are changing the way we live our lives.

Gone are the days when we needed to stand in long queues to pay bills, deposit money in our accounts, or transfer cash to our loved ones.

With mobile apps, all these tasks are just a click away. One app is Cash App, which has become an instant hit with millions of users across the globe.

But, hey! If you think Cash App is the only option for money transactions, think again. Several other great payment apps, like Cash App, are on the market.

In this blog, I’ll tell you the best apps like Cash App that you need to try right now!

Quick Picks

Best For Instant Transfers – Zelle
Best For Personal & Business Accounts – PayPal
Best For International Travels – Wise
Best For International Families – Xoom

9 Great Apps Like Cash App

1. PayPal

Starting as the go-to for eBay transactions, PayPal has blossomed into one of the most popular payment apps.

It’s your digital wallet and payment genie rolled into one.

With a PayPal account, you can smoothly make bank transfers to and from any U.S. bank account.

And here’s a sweet deal – no fees when sending money to family, keeping those connections strong without draining your wallet.

Plus, your accounts are guarded by encryption, ensuring your financial world stays locked up tight.

However, if you’re a business owner, be prepared to pay a fee when you receive payments, and bank transfers can be slower using the app.

And here’s a heads-up– PayPal has the power to freeze your PayPal balance, so transfer money to your bank account as soon as possible.

2. Google Pay

If you’re already a fan of Google’s products, you’re going to love Google Pay.

It’s one of the best apps, like Cash App, that simplifies sending and receiving payments – so convenient!

Google Pay links seamlessly with other Google products, like Gmail. Oh, and guess what?

If you’ve got a Google account, you’re practically already set up for Google Pay.

Whether you’re on your laptop or smartphone, using Google Pay is a breeze. Sending money to friends and family is fee-free, keeping your wallet happy.

You can send and receive money from friends and family using just their name, email, phone, or QR code.

There are a couple of things to be aware of. When transferring money to your account, you may have to wait 3-5 days for the money to show up in your account.

And, if you’re using a debit card, there’s a small fee involved (1.5% or $0.31, whichever is greater) to withdraw money.

3. Zelle

Looking for a convenient way to send money to friends or family? Zelle has you covered! It’s as simple as connecting your bank account.

Zelle lets you send money for free, and receiving is on the house too!

If you’re with banks like Chase, Bank of America, Citi, Wells Fargo, Ally, or Capital One, you’re in luck – they’re part of Zelle’s growing network.

But don’t worry if your bank isn’t on the list. You can still join the Zelle party by downloading their app and linking your debit card.

Just a heads-up, you can only link one bank account to your Zelle profile right now.

4. Apple Pay

Apple Pay is a payment app designed exclusively for iOS users, making transactions a breeze with its user-friendly interface and generous payment limits.

Exclusively for iOS means Apple Pay is only available within the Apple ecosystem, limited to Apple devices like iPhones, iPads, etc.

It’s a great cash app alternative to Cash App, allowing you to shop online, in apps, and at physical stores that accept contactless payments.

No need to carry around credit cards or cash!

Apple Pay’s versatility and convenience make it a top choice for effortless money transfers by linking a credit or debit card to the mobile wallet on your Apple product.

Say goodbye to fumbling for your wallet – with Apple Pay; you’ve got everything you need right at your fingertips!

5. Wise

Looking to conquer international transactions without breaking the bank with apps like Cash App?

Enter the Wise multi-currency account – your budget-friendly, speedy solution.

Say goodbye to those hefty bank charges with this payment app. Wise payments are often way cheaper and lightning-fast.

Imagine holding over 50 different currencies in one account. You can get paid just like a local from a whopping 30 countries!

Because it’s instant, they aim to follow the mid-market exchange rate for different currencies and offer crystal-clear fees – no surprise expenses here.

The Wise money transfer app is right at your fingertips, ready to roll on both the App Store and Google Play.

But wait, there’s more! If you’re a fan of Cash App’s linked debit card, Wise will also offer things you like to use for your travels.

Meet the Wise international card – your passport to spending and withdrawing in over 174 countries with no pesky foreign transaction fees.

6. Payoneer

Looking for a solid alternative to Cash App, especially if you’re a business whiz, freelancer, or ecommerce maestro? Payoneer is your go-to.

With Payoneer’s nifty business accounts, you can rake in payments from various sources.

Think marketplace platforms, customers, and fellow businesses that are paying you for stuff or services – all in different currencies.

Flexibility is the name of the game here:

You can stash payments in local receiving accounts, settle your bills, take care of business taxes, and, yes, even dip into some working capital.

For those who prefer simplicity, Payoneer is one of the easiest payment apps to use.

With just a valid email address, you can sign up and start receiving money and processing online transactions directly in your Payoneer account. No fuss, no hassle.

7. Samsung Pay

Samsung Pay is your ticket to super-smooth, contactless in-store payments, and it’s a great Cash App alternative.

Think of it as your digital wallet for your Samsung device-it holds your payment cards, loyalty cards, and even gift cards, all in one neat spot.

You can add these cards to your Samsung Wallet, then use Samsung Pay at participating stores to get your rewards scanned and pay in one quick swipe.

Plus, you can send money and shop through the app to get rewarded with cashback!

8. Revolut

Revolut is a renowned neobank and financial technology company offering a comprehensive banking service suite.

This cash app alternative provides features such as effortless money management, travel perks, investments, and more.

Plus, you’ll be able to send and receive money in multiple currencies without any hidden fees.

With over 30 million users across the globe, Revolut is widely recognized for its end-to-end security, ensuring the safety of users’ bank accounts.

Its multitude of features include:

Money transfers
Currency exchange
Budgeting tools
Cryptocurrency trading

9. Xoom

Xoom is an innovative payment app owned by PayPal that specializes in facilitating personal overseas transfers.

This alternative offers a unique feature of physical cash collection, allowing recipients to pick up cash at designated locations.

However, Xoom has higher fees and complex pricing, which might not suit everyone.

Its main advantage is its convenience for international payments, making it a viable option for those who frequently send money abroad.

FAQs

What is Cash App?

Cash App is a mobile payment service developed by Square, Inc.

It allows users to send, receive, and request money from friends, family, or anyone with a Cash App account.

Users can link their bank accounts or debit cards to the app to quickly and easily transfer funds and pay friends.

It also offers a Cash Card, a customizable debit card that can be used for purchases and ATM withdrawals.

The app provides features like buying and selling Bitcoin and investing in stocks.

It’s commonly used for peer-to-peer payments, splitting bills, and online and in-person transactions.

Some of Cash App’s limitations include a $1,000 monthly limit for sending and receiving money if you aren’t a member, no bill splitting, and a debit card-only feature.

Can I have 2 Cash App accounts?

Yes, you can have 2 Cash App accounts. But, they must use different telephone numbers and email addresses for each account.

They use the phone number to find your account if you have a problem.

The policy ensures that each account is distinct and helps Cash App track and manage accounts effectively.

How can I earn free money on Cash App?

There are some ways you can potentially earn free money on Cash App:

Referral Program: Cash App offers a referral program where you can invite friends to join using your unique referral code.

If your friends sign up using your code and make qualifying transactions, you may receive a small reward or credit.

Cash Boosts: It occasionally offers “Cash Boosts,” special discounts or cashback rewards when you use your Cash Card for specific purchases at selected merchants.

Cash App Investing: If you have an Investing account, you can invest in stocks and other assets. While this isn’t free money, it’s a way to potentially grow your wealth over time.

Is Cash App safer than Venmo?

Both Cash App and Venmo offer security features to protect user information and online payments, but there are differences in their safety measures and how they handle accounts.

Venmo has also had some bad reviews and problems with poor customer service, so it isn’t on my list of Cash App alternatives.

No payment app is completely immune to problems or potential risks, and users should always take precautions to ensure their accounts and transactions are secure.

Does Zelle work with Cash App?

There’s no direct transfer between Cash App and Zelle, but you can bridge the gap by using a linked bank account.

If your bank or credit union is on board with Zelle, moving money to your bank account is swift, usually within minutes.

Even if you’re using a debit card with Zelle, the money finds its way to your bank account, though it might take a tad longer.

Once it’s there, just fire up Cash App and initiate instant transfers like a breeze. A simple tap on the Money tab in Cash App gets those funds transferred.

Final Thoughts

While Cash App might be your go-to for sending money, it’s important to know your options for payment apps by checking out the best Cash App alternatives.

By using one of the money apps like Cash App mentioned above, you might be able to streamline your finances, and even get additional benefits like rewards programs and buyer protection.

Whether you need to transfer money to your friends, pay your bills, make online purchases, peer-to-peer payments, or international transfers, these apps have got you covered.

I like using Cash App, but you aren’t limited to using it alone or at all. You have many choices to send money with different payment apps!