6 Best Mobile Payment Apps

Mobile payment apps allow you to send money to anyone using just your phone. Most banks already have the ability to send money, but specialized mobile payment apps are different in that you don’t need to open a full bank account to use them. Plus, you might already have the app on your phone!

Most payment apps for Android and iOS can be set up in seconds because they only need your debit card number. Others may use your bank’s routing number and account number, but in any case, you have complete control over which of your banks will be used to send and receive money.

The best part is that each of these programs is 100% free for most of the features, and almost all of them do not charge. Each service has some limitations, but they are not severe enough to prevent most people from using them.

Application “Cash”.

Cash App is one of the easiest free money transfer apps out there. Simply add your debit card to your account to send money to people in seconds and it will appear in their account immediately. It’s just as easy to request money.

Something really great about Cash App is that you get a unique username called $Cashtag and anyone with the app can use it to send you money. You’ll even get your own unique website (more like a simple profile) where users can log in from their computer and send money directly to you without revealing any of your personal information.

Once you have money in your Cash App account, you can keep it there and use it for free with the included debit card, which is also free and even supports cashback. Or you can transfer Cash App funds to your own bank using the account/routing number.

You can also buy Bitcoins using the Cash App. The weekly bitcoin purchase limit is $10,000, and while that may be a stretch for most people, it’s nice to know that there’s an option if you’re interested in cryptocurrency.

Application cash limit:

  • Within seven days: $250, after which you must verify your social security number and other personal information to increase the limit to $2,500 per week
  • Weekly payouts: $25,000
  • ATM withdrawals: $250 per transaction, $250 per 24 hours, $1,000 per week, and $1,250 per month
  • Commission (based on the amount) for instant withdrawal to the bank; no fee for a standard withdrawal that takes several days

You can use the Cash App on their website or through the Android or iOS app.

Google Pay

Google Pay is Google’s attempt to enter the mobile payments market, and they’ve done a decent job. The service used to offer a debit card, but now only works online from a website or app, but it has very high limits if you plan to use it for large payments.

What we like about Google Pay is that it can store cash in your Google Account, so you can decide how much money to allocate to your bank accounts if you have more than one. Or you can choose a default account so that any money sent to you goes straight to your bank (and it usually does). immediately).

When you’re about to make a new payment to someone, by selecting a contact or entering their email/phone number, you have complete control over which account the money comes from: bank, debit card, or Google Pay balance. You can also add a note to the transaction for easier record keeping.

You can send and request money through Google Pay and even sign up for reminders to be notified when it’s time to send/request money again (eg for rent, work, etc.).

Google Pay limits:

  • One transaction: up to $10,000
  • Within seven days: up to $10.00
  • Florida residents: Up to $3,000 every 24 hours
  • Transactions over $2,500: Recipient must add a bank account to receive funds

Google Pay can be used online in a web browser or from an Android or iOS mobile device.


PayPal has been around for a long time, but it’s still one of the best mobile payment apps you can download. It lets you send money around the world, and like the Cash App, it also lets you get a free PayPal debit card.

Unfortunately, the commissions are a little confusing to understand, so it’s important to read them carefully. However, most people trading for personal reasons should have no problem using PayPal, which is completely free.

Like the Cash App, you can get a PayPal.me address that PayPal users can visit to easily send you money. PayPal accounts are also assigned a unique QR code; share it so others can easily send you money just by scanning your code, or scan theirs to send money.

PayPal restrictions:

  • One transaction: 2.9% fee for sending or receiving money using a credit or debit card (no fee for bank accounts)
  • Instant debit card withdrawal: $5,000 per transaction, day and week; $15,000 per month
  • There are other PayPal fees to consider

Use PayPal online or from the mobile app: iOS or Android.


Zelle is by far the easiest app on this list. When all is said and done, this is a real app for making bank transfers. Unlike the programs already mentioned, there is no place in your Zelle account where money is held until you move it again. In other words, when someone sends you money, it goes straight to the bank of your choice… usually at seconds!

After downloading the app, you have to link your phone number with your debit card number and from there you can send money to anyone or request money from anyone. If they don’t already have Zelle, they can add their debit card to the app to accept your transfer or send you money; there is a 14-day grace period for such cases.

Zelle is already built into some banking apps, but if your bank doesn’t support it, this is the only way to use the app. super easy to use. The screenshot above is enough to understand how simple this program is.

One note is that you can optionally set up two Zelle accounts: one using the email address tied to your Zelle-enabled bank, and one using your phone number through the Zelle app. If you have multiple bank accounts you want to transfer money between, Zelle works like your own free bank transfer service!

cell boundaries:

  • $500 within seven days if your bank doesn’t support Zelle

You can get Zelle for Android and iOS.

Facebook Messenger

Most people already have the Messenger app installed on their phone or open in their browser, so sending money through Facebook messaging might be the easiest way. You don’t even need to enter your bank details!

To do this, link your debit card or PayPal account to your Facebook account, then open a new message with the person you want to send or request money to.

On a computer, click the money symbol on the toolbar, enter the amount in the field pay
or request section and instantly exchange money right there by sending messages. Use from the phone Pay a friend mini-program from the drop-down menu of Messenger applications.

Messenger restrictions:

  • Only works for users in France, USA and UK
  • You can only send money to people who live in the same country as you
  • Sending money via PayPal is only available in the US

You can use Messenger to receive or send money from friends through a browser on your computer or with an Android or iOS app.


Mezu is a unique money sending app because it’s completely anonymous, lets you send money anywhere, no matter where they live, and even has a game where you can make money (although usually small amounts).

Here’s how it works: Enter the amount of money you want to send and the app will generate a temporary code, then share the code with someone before the time runs out to have the money instantly deposited into their account. No personal information is shared and you can send quite a lot before you hit the limits.

You can also request money from people, send money to contacts (no code required, but it’s not anonymous), and even create location-based deposits where anyone nearby can transfer money to your account without having to share codes.

Several times a week, Mezu hosts a game called Mezu Money Time. After listening to the ad for a few minutes, you compete with other players to enter the given code faster. Each game is different, but usually the fastest players get paid, often between $2 and $20.

Limitations of Mezu:

  • Within seven days: $2,999.99
  • One transaction: $499.99 anonymously
  • One transaction: $1999.99 with contact
  • Withdrawals: $2,999.99 for any single withdrawal

The Mezu service works only on mobile devices, both iOS and Android.

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