AppGrooves offers Best 10 Apps & Games for over 600 categories so you don’t have to. Learn more.

The Best Apps to Transfer Money at Little or No Cost

The Best Apps to Transfer Money at Little or No Cost

Last updated:

Money transferring through your phone can be stressful. Find the best apps to do what you need to do without incurring fees or risking your personal information. 

Keep reading below or...

Go To Best 10 Apps for Transferring Money
  1. The best money transfer apps for your phone
  2. Find stores that can transfer money
  3. Avoid transfer fees
  4. Use venmo without losing a percentage of your money
  5. Transfer money internationally safely and easily

The ability to transfer money to and from your phone has really made life more convenient. Its applications in real-life scenarios are nearly endless, and the best money sending app for you will make everyday activities much more productive, simple, and even safer. Imagine you're heading out for your morning jog routine and you don't want to carry a wallet or purse with you. Typically, you'd have to carry cash loose in your pocket or risk a debit card bouncing right out as you bound down the street if you wanted to get some coffee (or a doughnut) at the end of this jog. With mobile banking apps and other apps like Square cash, you can pay at most stores from your phone, so all you need to bring on your phone is what you'd use to play your music anyways. There are also a lot of different ways to transfer money to other phones and bank accounts, like Zelle send money, Venmo send money, and Xoom, which is a subsidiary of PayPal and allows you to transfer money overseas. 

Even though you can transfer money from your phone to other bank accounts, there are still plenty of occasions in which a wire transfer is more appropriate. Mobile apps can also be helpful in finding gas stations that do money orders and stores nearby that could transfer money. The money transfer Walmart has to offer is convenient, but their customer service lines are typically slow moving. You can use the western union online app, but if you forget your western union login, then you may have to utilize a store transfer or the western union united states register site to find your login info. Mobile apps can be a much more effective way to transfer money and cut through all of the red tape and logistical issues with transferring from the store. If you think that transferring money from the store is safer, then you should look into the research on the latest money transfer mobile apps to see their track records with security and convenience. Many of them will also help you find places nearby in which to perform a money transfer if necessary. 

If you enjoy being able to transfer money with mobile apps, then you've probably realized there are times when these moneyservices make you incur certain fees, whether it's within the usa or not. The best money transfer mobile apps can direct you in ways to make sure that you won't be charged a fee to perform these transfers. For example, apps like Venmo offer free transfers if you add someone as a friend or a contact on the apps. Many of these apps are featured on transferwise reviews, and these reviews also show the ways that you can transfer money for free without incurring any fees. Transferring money and avoiding the fees can help you manage your budget and move money to and from the correct accounts. It can also help you budget money with a spouse or share money with friends and family. The days of having to split the bill at restaurants are over. Simply put the bill all on one card for convenience' sake and then transfer money between your friends to settle any debts. 

If you transfer money on Venmo, you are well aware of these fees. Venmo can be an incredibly useful tool, but there is a certain process you need to go through in order to transfer money without incurring the fees. First, when you send money us to us, you can add users as friends in order to transfer for free. You can also transfer money from your Venmo account to your bank account without a fee if you wait one business day. You could also utilize Venmo to act as sort of a cash advance app. You see, when you want to use a credit card for a cash advance, the company can seize funds for a few days. If you Venmo transfer money to yourself from a credit card, you can instant transfer money to your bank account to have a sort of cash advance, even getting it in minutes by just paying a 1% or $10 maximum fee. If you run into instant transfer not working, then you'll only have to wait one business day. 

Mobile apps are also one of the safest and most convenient ways to transfer money internationally. If you can send international calls and texts then you'll have an even easier time sending money international. For people who wonder, "how can i send money to germany" or what the best way to transfer money internationally is, mobile apps are much easier than using a kroger money order credit card or searching for gas stations that do money orders near me. Venmo, paypal, and mobile banking apps powered by Zelle can be a much safer and easier way to send money to someone internationally, and if they can use a payment app from their phone, then they won't even have to exchange the money once in the next country. If you're wondering "can you transfer money from venmo to paypal", that may end up costing you a fee. Instead, you should check if your mobile banking app has Zelle capabilities to perform these kinds of transfers internationally without the fees. 

When trying to transfer money, security and convenience are the main priorities. Get both in the same place with these user-friendly money transfer apps. 

  • Azimo Money Transfer
    10

    Azimo Money Transfer

    Request and receive money from anyone in the UK and Eurozone

    Azimo Ltd.

    4.5 15K+ Reviews
    500K+
    Free
    • 100 users said "handy"
    • Free
    • Editor's Choice
    Azimo Money Transfer
    • This is the only service i have happy to use in any situation if i have required to send money home.

      Md Sazzad Hossain
  • Send money online: card to card
    9

    Send money online: card to card

    Money transfers to 70+ countries for a low fixed fee. Fast. Easy. Secure.

    Paysend Technology Limited

    4.6 10K+ Reviews
    500K+
    Free
    • 89% positive reviews
    • Free
    • Fresh
    • Editor's Choice
    Send money online: card to card
    • The money entered into the account less than a minute, i read a lot of bad comments about this app so I decided to try it with little money at first and it works out so I made another one and it’s all successful no fees I’m free from western union, if it’s doesn’t work for you it might work for another, that it my little experience I’m in just one day

      Bïsî
  • WorldRemit Money Transfer
    7

    WorldRemit Money Transfer

    💸Save money in your international money transfers. Instant, secure & convenient

    WorldRemit

    4.6 91K+ Reviews
    1M+
    Free
    • 396 users said "helpful"
    • Free
    • Feature Rich
    • Editor's Choice
    WorldRemit Money Transfer
    • I just wanted to say after reading the reviews I was pretty skeptical about this app and wasn’t sure the money would reach its destination (US to South Africa). My mother was in dire straits and I decided to try. The app was super easy to navigate and at a click the funds were transferred. My mother had to fill in a form and once that was done the funds were in her account. Super fast. She was very thankful she did not have to go to western union or even to the bank and walk around with a lot of cash and I was super glad that she received it in her account without any glitches. If I could give this app and service a 20 star rating I would. Thank you. This is definitely something I would recommend and use in the future.

      Dr. Catharina Hunter
  • TransferWise Money Transfer
    6

    TransferWise Money Transfer

    Transfer money abroad quickly, easily and at the lowest possible cost.

    TransferWise

    4.6 84K+ Reviews
    1M+
    Free
    • 411 users said "helpful"
    • Free
    • Feature Rich
    • Editor's Choice
    TransferWise Money Transfer
    • When I started using TW I was a little worried, but then it worked good for me, I updated my device, and I had to signed back in my account, but nothing seemed working right, and I was afraid I lost my money, so I contacted TW and they figured what was the problem and they solved in a matter of time, they really care about their customers, and I feel blessed and thankful I have the privilege to work with these people, my money is safe and I transferred internationally without any problem, super fast, secure and with the best rates and prices, I recommend them 1000% THANK YOU SO MUCH TRANSFERWISE!

      Yomarqz
  • Cash App
    5

    Cash App

    Pay your friends instantly, and cash out to your bank for FREE!

    Square, Inc.

    4.4 402K+ Reviews
    10M+
    Free
    • 654 users said "handy"
    • Free
    • Editor's Choice
    Cash App
    • First of all, if you haven’t used Square cash yet make sure to enter the reward coupon “MLRFXPM” on the sign up screen to get a $5 bonus after you send your first transfer over $5!!!! Enter it after it asks for your number. If you’ve already signed up you can enter the reward coupon on the profile menu if you scroll to the very bottom. The service itself exceeds the competition found in PayPal and Venmo in its ease of use. Sign up is super easy and very convincing for friends, particularly when out to dinner in San Francisco where asking the waiter to split a bill is like pulling out your teeth. I like the fact that I can send money to anyone even if they haven’t signed up with Square yet. The app is simple to use, swift and clean. There are two options for transferring money to your bank. Either instant deposit which takes a small fee, or the next day. Or you can keep the money in your account, and use the square debit card for any online purchase. You can even request a sleek looking physical debit card and use that anywhere. The app itself seems secure, especially with the touch ID integration for quick payment. This app has changed how I exchange money with friends or even new acquaintances!! I’ve even started using it to pay rent directly to my landlord. Welcome to the new modern era. Square cash is now my go to for quick payment transfers to friends and family. Overall you should definitely give it a try, especially with the $5 bonus it gives you!!!

      sopilu711
  • Xoom Money Transfer
    4

    Xoom Money Transfer

    The easiest way to securely send money, reload phones, and pay bills worldwide.

    Xoom, a PayPal Service

    4.8 527K+ Reviews
    1M+
    Free
    • 127 users said "helpful"
    • Free
    • Feature Rich
    • Editor's Choice
    Xoom Money Transfer
    • I’ve been using Xoom monthly for over 10 years now, and I absolutely believe they are the best company doing this out there! They were one of the first companies to offer this business this simple, and it has been consistently perfect for me! Their rates are fair, money goes fast, and if you opt to get text back to when the money is deposited on the other end, you know exactly when the money is available. If you have any question, their service reflects the company overall; excellence!! Thank you guys!

      Val of Brasil
  • PayPal Mobile Cash: Send and Request Money Fast
    3

    PayPal Mobile Cash: Send and Request Money Fast

    The PayPal mobile app is the secure way to send, receive, and access your money.

    PayPal Mobile

    4.7 4M+ Reviews
    100M+
    Free
    • 6,000 users said "handy"
    • Free
    • Feature Rich
    • 1M+ Reviews
    • Editor's Choice
    PayPal Mobile Cash: Send and Request Money Fast
    • I’ve been using PayPal for nearly as long as they’ve been around or at least as long they were still in the countdown preparing to launch full steam ahead into the financial world. As I write this review I can’t help but think back to the days before PayPal and I just shake my head. Does anyone else remember the days of getting a call or text (if you even had a cellphone yet) saying “I just put an envelope in the mailbox with a check for you. Please let me know when you get it so I know it didn’t get lost in the mail.”? Even better was finally getting a check and the joys of going to YOUR bank, no matter how quick & easy or a total pain the location was, to either cash the check or deposit it and wait for it to post. I am totally aging myself but I remember all of that and it was a pain. Now I know there are all sorts of new pay and get paid apps out there, and yes I have an account with one of them, but I don’t trust any of them the way I trust PayPal. I may have another for the much needed flexibility in today’s world but I always make the initial payment or payment request attempt by asking if *they* have a PayPal account and I don’t see that ever changing. And as long as PayPal continues to stay competitive with their features, then I have absolutely no reason to go a different path.

      kimhnatl13
  • Venmo: Send & Receive Money
    2

    Venmo: Send & Receive Money

    Fun & Fast Mobile Payment

    The Delancey Corporation, LLC

    5.0 7M+ Reviews
    Free Install
    • 97% positive reviews
    • Free
    • Fresh
    • 1M+ Reviews
    • Editor's Choice
    Venmo: Send & Receive Money
    • UPDATE: - In short, Venmo is safe, efficient, user friendly, and timely with bank transactions. I also use Zelle sometimes, but I like Venmo much more. I also love that Venmo uploaded all of my phone contacts, so virtually anyone I need to pay I do not have to go on a hunt for, or wait for a friend request to be approved. - I also really like the nuances of Venmo such as using your Bitmoji or Venmo’s automated emojis as you type which keeps things a bit more private. But you can of course choose to not use them. - I truly can’t think of any one thing that Venmo has or does that displeases me. They do charge around 25¢ per so many dollars (never over $10 total which would have to be hundreds of dollars) if you need money in your Venmo account to go to your bank account/credit card(s) immediately. But otherwise, the transfer is free as long as you can wait 1-2 business days maximum. - I’ve NEVER had a problem with anything to do with my Venmo and have been actively using it for close to 1 year at this point. - Setting up my Venmo to my bank account wasn’t sketchy at all; in fact it felt very safe and secure, not to mention user friendly! - I don’t ever hook up my credit cards or bank info to any app ever. Venmo is the only one I trust!! —» Keep up the awesome work everyone at Venmo,! You guys are doing an incredible job!!! 👏🏼👏🏼

      leannm72
  • Western Union US - Send Money Transfers Quickly
    1

    Western Union US - Send Money Transfers Quickly

    Money Transfers around the World from the US - Send Money Globally with WU

    Western Union Android Apps

    4.7 339K+ Reviews
    5M+
    Free
    • 925 users said "helpful"
    • Free
    • Feature Rich
    • Editor's Choice
    Western Union US - Send Money Transfers Quickly
    • The Western Union internet site has proven completely useless to me in sending money for my program in Haiti. I am so glad that, for whatever reason, the app doesn’t have the same issues that the internet site does. Maybe the designer of the app can give the web site designer some pointers? (IE....internet site demands a middle name; in Haiti, there are no middle names; if I put a middle name or double up the first name, WU in Haiti refuses to acknowledge the same person and provide the funds, but the site won’t let me submit with out something that space. The app works appropriately, and doesn’t inappropriately demand something in that middle name spot.)

      AnaliesseC

Let us help you with your problems.