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Apps Like Venmo Guide: Alternative Money Transfer Options (2022)

Are you looking for alternative money transfer apps like Venmo?

You’ve come to the right place!

The best cash apps are similar to Venmo with features such as sending & receiving money securely in a peer-to-peer fashion.

So much better than a bank account!

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In this article, we will create a list of payment apps for you to look through.

We’ll consider:

We’ll discuss pros & cons of each and you can make an informed decision on which payment apps might meet your needs best.

What is Venmo?

Venmo is a well-known payment app that allows people to send or receive money through their Venmo account, which makes it easy for them to shift funds without any hassle at all.

venmo paypal zelle facebook 1

It’s much more convenient than trying to shift money around in your bank accounts, that’s for sure.

You’ll need a card (or debit) attached if you want to withdraw money into another bank account instead of spending it directly through PayPal, but there are no fees associated with managing this service.

Venmo is best known for being a free mobile payment service that allows users to instantly create and share digital payments easily.

However, Venmo offers its own type of cash back on purchases through something called Cashback Rewards – every purchase made gives the user $0.25.

Any good alternatives that are similar if that’s not quite your jam?

You bet!

Here are a few.

Payment Apps Like Venmo

The best features of payment apps are that they are fast, cost-effective and easy to use.

But which is the best money transfer app?

It’s all up to you, so let’s take a look at some of the other payment apps out there and see which one(s) strike your fancy.

PayPal: Best to Transfer Money?

paypal money transfer app

PayPal is one of the most well-known payment apps in the world.

It’s arguably one of the safest ways to send money because it uses bank accounts for transfers, so your information is never shared with the recipient.

PayPal maintains a network of local banks and credit unions that you can use when transferring funds from your account into someone else’s account or vice versa.

With a PayPal account, you also have access to features such as “Bill Me Later” where even if you don’t have enough on hand now, they will extend a line to cover up to $1000 at checkout time – without having any fees! [1]

This feature comes in handy during those really expensive months like Christmas & New Year’s Eve (or maybe just every holiday) when we overspend our budgets…

Is Cash App Like a Bank Account?

Cash App is a payment app that lets you send & receive money quickly and easily with just a few taps on your phone.

cash app cash out money

It’s become one of the most popular apps for transferring small amounts of cash from person to person and is available in over 40 countries.

You can add a linked bank account (or multiple bank accounts) so you can easily transfer between those accounts as well without the long timeline of regular bank transfers.

Cash App also offers an optional “cash back” feature where users can earn $0.25 after every purchase they make!

Cash App is available to download on both the Apple Store and Google Play.

The best part?

With a Cash App account, you can also get a Cash Card, which operates just like a normal debit card and bank account but it’s connected to your app.

There are other money transfer apps similar to Cash App as well.

Quickly Transfer Money with Zelle

Zelle is a mobile app that lets you instantly transfer money to anyone with a U.S. bank account in just a few seconds, right from your phone!

zelle app send money

Zelle is secure because all of the information you share is encrypted and protected by multiple layers of security.

It also has an easy-to-use interface that works on both iPhone or Android phones (and even some apps for smartwatches!)

As “Bill Me Later” where even if you don’t have enough on hand now, they will extend a line to cover up to $1000 at checkout time – without having any fees!

Google Wallet

Google Wallet – Google has also come out with its own version of an app that lets its users transfer funds easily through a mobile device.

This one offers 24/hour customer support because sometimes there just isn’t enough time during the day and evening hours for all needs which leaves people frustrated and needing help right away!

Google Wallet lets you send money to anyone (or receive money) with an email address or phone number!

This app also has built-in safeguards against fraud, spam messages, unauthorized transactions, and other common risks that come along with this type of service.

You’ll need to have a Gmail account in order to use Google Wallet but after it’s set up it can be used on either Android phones or iPhones – even apps for smartwatches!

Comparing Different Payment Apps

If you want apps like Venmo then these are just some of the many payment apps available that will let you transfer funds quickly and easily.

Apps Like Venmo That Work Internationally

Are you looking for the best international money transfer app?

There are some differences to take into account if you want to send money with international payments.

PayPal can be used internationally – it’s the most popular option on this list because it has been around for so long now, in fact.

Cash App is available only in the U.S. at the moment, whereas Venmo is available in all major countries for international transfers.

Cash App can be used with a debit card as well, whereas Venmo requires you to link up your bank account or credit card before transferring money – this will lead to slower transactions, which is sometimes a pain when you’re dealing with international transactions.

Zelle is available in the U.S., but not internationally, and is only available if you have a bank account with one of their partner banks.

Google Wallet is also only available in the U.S., so if you’re looking specifically for international use, PayPal or Venmo will be your best options.

Using Payment Apps with a Debit Card

Are you specifically interested in payment apps that you can use with a debit card?

When it comes to just peer-to-peer payments, recurring payments, money transfers, pay friends, and just sending money occasionally, the digital wallet style is great.

But sometimes with online payments and in-store purchases, having a physical debit card and not needing to know your specific bank account details is quite convenient.

For secure payments, this is great as well because if you lose your card you can simply get it replaced.

So which payment apps have a debit card feature?

While Venmo doesn’t have its own card, you’ll have the option to link a MasterCard or Visa debit card to your account. This will be convenient for those who want to use their apps with a physical debit card and don’t need bank details handy.

PayPal allows you to get a card that links to your PayPal balance as well as a card for your PayPal credit account if you have one. [2]

Cash App lets you order a Cash Card as well, which links to your Cash App balance. [3]

Zelle doesn’t have its own card, but you can link your bank account to the app and use that for payments. This is convenient because if you lose your debit or credit cards, all of which were linked to Zelle as well, then you won’t be in a bind without any way to pay for things you need.


  1. Bill Me Later
  2. PayPal Card
  3. Cash App Card

Jimmy has been interested in technology and smartphone apps for some time now.  These interests have helped OnDemandly.com come to life.  Through personal experience working for DoorDash and Uber for over a decade, this blog's helpful guides have become popular pieces for many of our long-time visitors to understand the on-demand landscape.