Apps Like Cash App | 10 Best Money Transfer Apps In 2023

Apps Like Cash App - Best Alternatives

Want to know some Apps like Cash App? The rise of money transfer apps, which allow people to send and receive money instantly regardless of their location, has been one of the most significant changes.

Cash App is one of the most popular money transfer apps on the market, with a large following due to its ease of use and quick transfer speeds. However, as good as Cash App is, it is not the only money transfer app available, and there are numerous other apps that provide comparable features and benefits.

In this article, we will look at the top 10 money transfer apps, such as Cash App, that you can use in 2023. These apps were chosen for their features, dependability, and user experience. These apps can help you transfer money to friends and family, pay for goods and services, and even make international transfers.

We will give you a detailed breakdown of each app, including its benefits and drawbacks, fees, and user experience, so you can make an informed decision about which one is best for you. So, let’s explore the world of money transfer apps and find the best one for you!

10 Best Apps Like Cash App – Cash App Alternatives for Money Transactions

With our personal experience after using so many money transfer apps, we bring you the list of 10 best apps like the cash app. Take a close look at the list of these best apps like the Cash app.

1. Wise (Formerly known as TransferWise)

Wise - Apps Like Cash App

Cash App has the drawback of being domestic to US and UK markets. This app closes that gap. In our opinion, it is the cheapest app out there to transfer money internationally. Its primary demography is the people who want to send money to people in other countries as cheaply as possible.

This app works with both GPay, and Apple Pay, and it is currently available in 200 countries. The way it works is, that you add your visa card to your Gpay or Apple pay service, and then make payments.

All international transactions are fulfilled using the exchange rate in real-time unlike most banks, which charge you a marked-up rate instead of the exchange rate. You pay what you see.

Transparency sets this app apart from the rest. Keep in mind that you can send money to people with bank accounts only. Online services like PayPal will not work with this app.

2. PayPal

Paypal - Apps like cash app

If you are anyone who pays or gets paid, then PayPal is one of the easiest ways to keep your money transfers going. It’s fast, reliable, and robust. It is one of the most widely used payment services out there. One can send money, receive money, and even hold money.

Not only can you send money to other PayPal users, but you can also transfer money to bank accounts as well. It is also widely accepted in online e-commerce stores globally.

Even though sending money is free via PayPal, receiving is not. PayPal charges you a fee for receiving money. Its popularity also makes it vulnerable to scams and phishing attacks.
It also automatically converts foreign currency to your local currency.

3. Revolut

Revolut app - Best alternatives to Cash app

Revolut app has a lot of features like – Issuing credit cards, debit cards, and peer-to-peer transfer, this app is already sounding great. That’s because it is.

This financial service provider also lets you set a limit when you are on vacation so that you don’t go overboard and spend all your hard-earned money. And most of all, stick to your budget for the holiday.

The app also provides you with a budget planner for all your monthly bills. Parents also get the option of opening an account for their children and letting them start learning about money management at an early age. Here is the cherry on top, it also automatically converts foreign currency in real time.

4. Google Pay (Gpay)

Google Pay - App like cash app

Now Google Pay is one of the most competitive digital wallets out there. This digital wallet and payment system was developed by Google itself. Its user interface is super easy to understand. You have to just link your bank account with Google Pay and you are done. You can now make payments or send/receive money from family or friends.

With Google’s wide market penetration, you can make payments for your online transactions and even pay at physical stores that accept NFC payments. The only drawback that this app has, is that it is only available in a few selected countries as of now. So if you are someone who conducts international business, this may not be your best option.

5. Venmo

Venmo App - Share payment

Owned and created by PayPal, Venmo was built to transfer money between friends and family. You can split bills for lunch or dinner with your family or friends.

But unlike PayPal, Venmo is mobile-only, there is no web version for it. It is available on both Android and iOS. Once you link your bank account with Venmo, you can instantly start sending and receiving money. Apart from this, the app has a social element to it. The app features a social feed and an option to like a transaction and even share it.

6. Payoneer

Payoneer App

Initially developed as a direct competitor to PayPal, Payoneer has come a long way and created its own identity. It has a lot of the same features as PayPal naturally. You can request a Mastercard debit card that comes with an annual fee and you can also use it to withdraw money from an ATM machine.

You instantly start sending and receiving money once you have linked your bank account to your Payoneer account. It is widely popular among US and European merchants, and it is accepted for international transactions as well.

Drawbacks include – slightly higher fees and support for fewer currencies. However, transactions are highly secure, fast, and reliable.

7. Paysend


If you are someone who often sends a large amount of money, Paysend is your best option. The app charges you a flat $2 per transaction fee. This app is an affordable solution in this space.
No matter how big or small an amount that you need to send, you only pay $2.

You have options to send money from it including a bank account, credit card, debit card, or the funds that you have in your Paysend account.

This app is available in over 100 countries, and it also converts exchange rates automatically. On top of that, unlike other Cash Pay alternatives on our list, it charges you a 0% exchange rate fee.

The only drawback is the lengthy process of opening an account. It can take up to 3 days to verify your account. After having an account with Paysend this is the most usable for the ones who are doing regular and large amount transactions.

8. Zelle

Zelle Pay

If you have a bank account that is already partnered up with Zelle, then all you need to do is go to your bank account in your mobile app and activate it and voila! You now have Zelle and start using it for peer-to-peer transactions. It is integrated with most US banks. It is one of the most hassle-free financial apps on the market today.

Zelle comes with a decent limit on money transfers. However, it does the job well. A simple and fast way to send money to friends and family.

If your bank is not partnered with Zelle, do not worry. You can still get the app by downloading it on your Android or iOS mobile and linking your bank account. Even though sending or receiving money from Zelle is free, your bank might charge you a fee.

9. Apply Pay

Apply Pay - Best Cash App Alternative

A direct competitor to Google Pay, It has a higher transfer limit than Google Pay. Transferring money from your linked bank account or debit card attracts no fees. However, paying your friends, family, or businesses with your linked credit card attracts a fee of 3%.

It is exclusively available for iOS users only. But if you have an iOS, you can do a peer-to-peer transfer of funds conveniently with iMessages on your iPhone or Apple Watch.

10. N26

N26 - Mobile Bank

N26 is not just an app, it is a digital bank. It is a bit different from all the other apps on this list including Cash App. It is also a leading digital bank in the US and Europe. The peer-to-peer money-sending solution is called “MoneyBeam” and it works exactly how it sounds.

Once your account is up and running with N26, you can go to your mobile app and activate “MoneyBeam” and start sending and receiving money directly from friends or family. You can also access its current account service to receive your salary, shop with it online, or make payments in physical stores.

Also, you can avail of their services for debit or a credit card and use it at ATM machines to withdraw money or pay for goods and services even while traveling abroad.

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In conclusion, in 2023, there are numerous money transfer apps available, each with their own set of features and benefits. Because of its simplicity, security, and ease of use, Cash App is a popular choice among users. However, there are other excellent options, such as Venmo, PayPal, Zelle, and others, each with their own set of advantages and disadvantages.

It is critical to investigate and compare the features of these apps in order to find the one that best meets your needs and preferences. To protect your financial information, use safe and secure money transfer practices regardless of which app you use.


Q: What is a money transfer app?

A money transfer app is a mobile application that enables users to send or receive money electronically from one person to another.

Q: Are money transfer apps safe?

Money transfer apps use encryption and security protocols to protect user data and transactions. However, it is important to choose a reputable app and practice safe online behavior to reduce the risk of fraud or hacking.

Q: Do I need a bank account to use a money transfer app?

Most money transfer apps require users to link a bank account or debit card to their account to send or receive money. Some apps, like PayPal, also allow users to link a credit card.

Q: Are there fees for using money transfer apps?

Some money transfer apps charge fees for certain transactions, such as instant transfers or international transfers. However, many apps offer free transfers for standard transactions.

Q: Can I use a money transfer app to pay bills?

Some money transfer apps, like Zelle and Venmo, allow users to pay bills directly through the app. Other apps may require users to link their bank account to pay bills.

Q: What is the best money transfer app?

The best money transfer app for you depends on your needs and preferences. Cash App, Venmo, PayPal, Zelle, and others are all popular options with different features and benefits. It’s important to research and compare apps to find the one that suits you best.

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