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Cash App is a popular payment app that lets you send and receive money, spend with a linked card, get direct deposits early, and invest in stocks or bitcoin.
Millions of people use this app daily for payments to friends and family as well as for shopping.
If you are not still using it, here is the article you need to read to get a $5 bonus for trying this convenient app.
Why To Look For Cash App Alternatives
It’s a convenient and fast way to manage your money, especially if you live in the US or the UK. However, Cash App is not perfect.
It has some limitations that may make you look for other options. For example, Cash App has limited international options, so you can’t use it to send or receive money from other countries. It also charges fees for some transactions, such as withdrawing cash from an ATM or cashing out your funds instantly. And it may not be the most secure app, as there have been reports of scams and frauds involving Cash App.
If you’re looking for alternatives to Cash App that offer different features and benefits, you’re in luck. There are many apps like Cash App that can suit your needs, depending on what you want to do with your money. Whether you want to send and receive money internationally, save on everyday spending, bank the way you want to, or invest in different assets, there’s an app for you.
In this article, we’ll present 12 alternatives to Cash App that you can try. We’ll explain what each app does, how it works, and why you might like it. We’ll also compare their fees, speed, convenience, security, and availability. By the end of this article, you’ll have a better idea of which app is the best for you.
Best Apps Like Cash App
Every app have their benefits and drawbacks. Only you can decide at the end of this article which one suits your needs more than the others.
1. Wise
If you need a low-cost, fast, and easy way to send and receive international payments, Wise is the app for you. Wise is a multi-currency account that lets you hold 50+ currencies in your account, get paid like a local from 30 countries, and transfer money to 80+ countries using the real exchange rate.
Wise is up to 6x cheaper than your normal bank when it comes to international transfers. It charges low and transparent fees that are shown upfront before you make a transfer. It also uses the mid-market exchange rate, which is the fairest and most accurate exchange rate available. And it delivers your money fast, often within minutes or hours.
Wise also offers a debit card that you can use to spend and withdraw money in 200+ countries with no foreign transaction fees. You can use your Wise card wherever Visa is accepted, and enjoy features such as instant notifications, spending analytics, and security controls.
Wise is ideal for anyone who needs to send or receive money across borders regularly or occasionally. Whether you’re a freelancer, a traveler, an online shopper, or an expat, Wise can help you save money and time on your international payments.
2. PayPal
PayPal is one of the most well-known and widely used payment apps in the world. It allows you to send and receive money online for both personal and business purposes. You can use PayPal to pay for goods or services, send money to friends or family, request money from someone, or donate to a cause just like Cash app.
PayPal is easy and free to set up. All you need is an email address or a phone number to create an account. You can link your bank account, debit card, credit card, or PayPal balance to fund your transactions. You can access your account through a mobile app or a desktop website.
PayPal also offers security features that protect your account and transactions from fraud and unauthorized access. It encrypts your personal and financial information and monitors your activity 24/7. It also provides buyer protection and seller protection programs that cover eligible transactions.
PayPal is method of choice for payments for many reward sites like cashback sites or survey sites worldwide.
PayPal also offers cash back rewards when you shop with PayPal Pay or use the PayPal Cashback Mastercard. You can earn up to 2% cash back on every purchase with no annual fee or minimum redemption amount.
PayPal is great for anyone who shops online frequently or needs a reliable and effective payment method for various purposes. You can use PayPal to pay or get paid by millions of merchants and users around the world.
3. Google Pay
Google Pay is a simple and secure mobile wallet and alternative to Cash App that lets you make payments online, in stores, or to other people. You can use Google Pay to pay for anything from groceries to bills to subscriptions with just your phone.
Google Pay lets you link your bank accounts, cards, or PayPal accounts to the app. You can then use your phone to tap and pay at any contactless terminal that accepts Google Pay. You can also use Google Pay to pay online at thousands of websites and apps that have the Google Pay button.
Google Pay also lets you send and receive money with anyone who has an email address or phone number. You can split bills with friends, request money from someone who owes you, or pay someone back instantly. You can also create group payments where everyone can chip in for a common expense.
Google Pay also offers cash back rewards when you shop at participating merchants. You can earn up to 5% cash back on every purchase with no limit on how much you can earn. You can also redeem your rewards as cash back to your bank account or as gift cards.
Google Pay is perfect for anyone who wants a simple and secure way to pay with their phone. You can use Google Pay anywhere that accepts contactless payments or online payments with Google Pay.
4. Venmo
Venmo is a popular payment app owned by PayPal that is designed for instant personal transfers and social interactions. You can use Venmo to send and receive money with just a username or phone number just like Cash App. You can also add emojis, comments, or likes to your transactions to make them more fun and personal.
Venmo is free to use when you send money from your Venmo balance, bank account, or debit card. However, there is a 3% fee when you send money from a credit card. There is also a 1% fee when you cash out your funds instantly to your bank account.
Venmo also offers a debit card like a Cash App card that you can use to spend your Venmo balance or withdraw cash from ATMs. You can also apply for a Venmo credit card that earns cash back rewards on every purchase. Choose one of eight categories to earn 3% cash back, two categories to earn 2% cash back, and all other purchases to earn 1% cash back. You can change your categories every month.
Venmo also offers a crypto feature that allows you to buy and sell cryptocurrencies such as bitcoin, ethereum, litecoin, and bitcoin cash. You can start with as little as $1, and track the prices of different cryptocurrencies in real time.
Venmo is ideal for anyone who wants to send and receive money with their friends in a fun and social way. You can use Venmo to split bills, pay rent, or share expenses with ease. You can also use Venmo to shop online at millions of merchants that accept PayPal or Venmo.
5. Zelle
Zelle is a fast and easy way to send and receive money directly between bank accounts in the US. You can use Zelle to pay someone back, send a gift, or request money from someone who owes you.
Zelle is free to use when you enroll with your email address or phone number through your bank’s app or website, or through the Zelle app if your bank is not supported. You can link any US-based bank account that supports Zelle transactions. There are no fees for sending or receiving money with Zelle, but there may be fees from your bank depending on your account type.
Zelle also offers security features that protect your transactions from fraud and unauthorized access. It verifies your identity through your bank account information, and encrypts your personal and financial information. It also provides transaction alerts and notifications when you send or receive money.
Zelle also offers request money feature that allows you to ask someone to pay you back for something they owe you. You can also use Zelle’s split bill feature that allows you to divide an expense among multiple people, and request their share of the payment.
Zelle is great for anyone who needs a fast and easy way to send and receive money within the US. You can use Zelle to pay anyone who has a US-based bank account that supports Zelle transactions, without having to download another app or create another account.
6. Revolut
Revolut is a digital banking app that offers global money management services and can be a good Cash App alternative. You can use Revolut to hold 28 currencies in your account, exchange money at the interbank rate, send and receive money internationally with low fees, and access budgeting tools and analytics.
Revolut is free to sign up, but different plans are available depending on your needs. The standard plan lets you exchange up to $1,000 per month without any fee and send up to $5 per month without any fee. The premium plan lets you exchange up to $10,000 per month without any fee and send unlimited amounts without any fee. The metal plan enables you to exchange unlimited amounts without any fee and send unlimited amounts without any cost. The premium and metal plans also offer other benefits, such as travel insurance, airport lounge access, and cash-back rewards.
Revolut also offers a debit card that lets you spend and withdraw money in 150+ currencies with no foreign transaction fees. You can
use your Revolut card to spend and withdraw money in 150+ currencies with no foreign transaction fees. You can also use your Revolut card to access exclusive discounts and cash back rewards at selected merchants.
Revolut also offers investing services that let you buy and sell stocks, crypto, and commodities with low fees. You can start with as little as $1, and track the prices of different assets in real time. You can also set up recurring investments, price alerts, and stop orders to automate your trading strategy.
Revolut is perfect for anyone who wants a digital banking app that offers global money management services. You can use Revolut to hold, exchange, send, and receive money in multiple currencies with low fees and great rates. You can also use Revolut to invest in different assets and diversify your portfolio.
7. Payoneer
Payoneer is an American company that offers international payment services for freelancers, businesses, and online sellers. You can use Payoneer to send and receive money in multiple currencies through bank transfers, e-wallets, or prepaid cards with low fees.
If you need to make international payments, Payoneer is a good Cash App alternative as it lets you create a global payment service account that gives you local bank account details in different countries. You can use these details to receive payments from clients or platforms in the US, UK, EU, Japan, Canada, Australia, and more. You can also request payments from anyone via email or invoice.
Payoneer also offers a Mastercard that lets you spend and withdraw money worldwide. You can use your Payoneer card wherever Mastercard is accepted, and enjoy features such as transaction notifications, security controls, and ATM locator. You can also get cash back rewards when you shop online or in-store with selected merchants.
Payoneer also offers a billing service that lets you request payments from clients in different currencies and payment methods. You can create professional invoices, track their status, and get paid faster. You can also integrate Payoneer with popular accounting software such as QuickBooks or Xero.
Payoneer also offers an e-commerce solution that helps you sell on global marketplaces such as Amazon, eBay, Walmart, and more. You can use Payoneer to receive payments from these platforms in different currencies, and manage your balance sheet and cash flow. You can also access working capital loans based on your sales performance.
Payoneer is ideal for anyone who needs to send or receive money internationally for freelancing, business, or e-commerce purposes. You can use Payoneer to get paid by clients or platforms in multiple currencies with low fees and competitive rates. You can also use Payoneer to pay suppliers or contractors in different countries with ease.
8. Xoom
Xoom is a money transfer service owned by PayPal that lets you send money, pay bills, or reload phones in over 160 countries. You can use Xoom to support your loved ones abroad with fast and secure transfers.
Xoom lets you fund your transfers with your bank account, debit card, or credit card through the app or website with low fees and competitive exchange rates. You can then choose from different delivery options depending on your recipient’s country and preference. These include cash pickup, home delivery, bank deposit, mobile wallet deposit, or bill payment.
Xoom also offers fast delivery options such as cash pickup within minutes at thousands of locations worldwide, home delivery within hours or days depending on the country, or bank deposit within minutes or hours depending on the bank. You can also track your transfer status online or via text message notifications.
Xoom also offers security features that protect your transactions from fraud and unauthorized access. It uses encryption technology, identity verification, and fraud prevention systems to safeguard your personal and financial information. It also provides a money-back guarantee if your transfer is not delivered.
Xoom is great for anyone who needs to send money abroad for personal or family reasons. You can use Xoom to support your loved ones with fast and secure transfers, pay their bills, or reload their phones. You can also use Xoom to send money to yourself if you travel abroad frequently.
9. Remitly
Remitly is a money transfer service that lets you send money to over 100 countries with low fees and transparent exchange rates, hence is a good alternative for Cash App international users. You can use Remitly to send money for various purposes, such as family support, education, healthcare, or emergencies.
Remitly lets you choose between express or economy delivery options depending on your speed and cost preferences. The express option lets you send money instantly with your debit or credit card, but charges a higher fee. The economy option lets you send money within 3-5 business days with your bank account, but charges a lower fee.
Remitly also offers security features that protect your transactions from fraud and unauthorized access. It uses encryption technology, identity verification, and fraud detection systems to safeguard your personal and financial information. It also provides delivery tracking, customer verification, and money-back guarantee.
Remitly is ideal for anyone who needs to send money abroad for various reasons. You can use Remitly to send money with low fees and transparent exchange rates, and choose the delivery option that suits your needs. You can also enjoy peace of mind knowing that your money is safe and secure.
10. Tangerine
Tangerine is a Canadian online bank that offers free chequing, and savings accounts with no monthly fees or minimum balances. You can use Tangerine to manage your everyday banking needs, such as paying bills, depositing cheques, or transferring money.
Tangerine is a good Cash App alternative for Canadians as it lets you send and receive money through Interac e-Transfer or email money transfer with no fees. You can also access over 3,500 ATMs across Canada for free through the Scotiabank network. You can also earn interest on your chequing and savings accounts and enjoy features such as overdraft protection, mobile cheque deposit, and an automatic savings program.
Tangerine also offers other banking products such as credit cards, mortgages, investments, and insurance. You can apply for these products online or over the phone and enjoy competitive rates and rewards. You can also access financial advice and tools through Tangerine’s website or app.
Tangerine is perfect for anyone who wants a simple and convenient online banking experience. You can use Tangerine to do your everyday banking for free, and access other financial products if you need them. You can also benefit from Tangerine’s customer service, which is available 24/7 by phone or chat.
11. PayApp
PayApp is a simple and secure mobile wallet that lets you make payments through your mobile phone. You can use PayApp to pay for goods or services, send money to friends or family, or request money for yourself.
PayApp lets you add your credit and debit cards to the app, and make payments to other PayApp accounts quickly and efficiently with instant receipts. You can also scan QR codes or barcodes to pay at participating merchants or websites. You can also link your bank account to the app, and withdraw money from your PayApp balance.
PayApp also offers security features such as PIN-based authentication, dynamic barcode generation, and customized keyboard. These features help prevent unauthorized access or fraud on your account. You can also wipe your account instantly if you lose your phone or suspect any suspicious activity.
PayApp is ideal for anyone who wants a simple and secure mobile wallet. You can use PayApp to make payments with just your phone and enjoy the convenience of not carrying cash or cards. You can also use PayApp to send money to friends or family or request money for yourself as you do on Cash App.
12. Apple Pay
Apple Pay is a mobile payment service that lets you make contactless payments with your iPhone or Apple Watch. You can use Apple Pay to pay for goods or services in stores, online, or in apps.
Apple Pay lets you link your credit or debit cards to the Wallet app on your iPhone or Apple Watch. You can then use your device to tap and pay at any contactless terminal that accepts Apple Pay. You can also use Apple Pay to pay online at thousands of websites and apps that have the Apple Pay button.
Apple Pay also offers security features that protect your transactions from fraud and unauthorized access. It uses Face ID or Touch ID authentication to verify your identity, and a device-specific number and unique transaction code to encrypt your card information. It also does not store or share your card numbers with merchants.
Apple Pay also offers cash back rewards when you use the Apple Card, a credit card issued by Goldman Sachs. You can earn up to 2% cash back on every purchase with no annual fee or minimum redemption amount. You can also manage your Apple Card balance, payments, and statements through the Wallet app.
Apple Pay is perfect for anyone who wants a simple and secure way to pay with their iPhone or Apple Watch. You can use Apple Pay anywhere that accepts contactless payments or online payments with Apple Pay.
Chose the Best Cash App Alternative As Per Your Needs
Cash App is a popular payment app in the US and UK, but it has some limitations that may make you look for other options. There are many alternatives to Cash App that offer different features and benefits for users depending on their needs.
To choose the best alternative to Cash App, you should consider factors such as fees, speed, convenience, security, availability, and other features that matter to you. You should be by now able to compare the pros and cons of each app for making a decision.
We hope this article has helped you find the best alternative to Cash App for your needs. If you have any questions or feedback, please let us know in the comments below. Thank you for reading!
FAQs
Here are some frequently asked questions about Cash App and its alternatives.
What are the advantages of Cash App?
Cash App is a convenient and fast way to send and receive money, spend with a linked card, get direct deposits early, and invest in stocks or bitcoin. It also has attractive social features such as $cashtags and emojis.
What are the disadvantages of Cash App?
Cash App has limited international options, so you can’t use it to send or receive money from other countries. It also charges fees for some transactions, such as withdrawing cash from an ATM or cashing out your funds instantly. And it may not be the most secure app, as there have been reports of scams and frauds involving Cash App.
Which alternative to Cash App is the best for international payments?
Wise is the best alternative to Cash App for international payments, as it offers low-cost, fast, and easy ways to send and receive money in multiple currencies using the real exchange rate. You can also get a Wise debit card that lets you spend and withdraw money in 200+ countries with no foreign transaction fees.
Which alternative to Cash App is the best for online shopping?
PayPal is the best alternative to Cash App for online shopping, as it is widely accepted by millions of merchants and users around the world. You can also use PayPal to send and receive money online for both personal and business purposes. You can also get cash back rewards when you shop with PayPal Pay or use the PayPal Cashback Mastercard.
Venmo is the best alternative to Cash App for social payments, as it is designed for instant personal transfers and social interactions. You can use Venmo to send and receive money with just a username or phone number, and add emojis, comments, or likes to your transactions. You can also get a Venmo debit card or credit card that earns cash back rewards.
Sumeet is a Certified Financial Education Instructor℠ (CFEI®) and the founder of Dollarsrise. He has been writing about earning extra cash online from his personal experiences for the last four years and his work has been quoted in top finance websites like Yahoo! Finance, GOBankingRates, CNBC, and more. Follow this website to learn easy and real-life hacks to raise your pile of dollars.
