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Apps like Cash App

Cash App is one of the most popular P2P money apps, but there are many others like it.

With over 50 million users, the popular money app Cash App lets you send cash to friends and family quickly without any fees. It also has a debit card with no monthly fees, and you can file your taxes, invest in stocks and crypto and even set aside money for savings. However, Cash App gets a bad rep because scammers tend to flock to it. It also doesn’t have physical branches, and its customer support live phone line has limited hours.

Cash App’s top competitors are PayPal, Venmo and Zelle. It’s also common for people to have several peer-to-peer (P2P) payment apps to send money to a variety of folks — most are free, after all. If your friends or family don’t use Cash App, or you want something else entirely, here are other apps like it.

6 apps similar to Cash App

Alternative for most similar

Venmo card

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You can't talk about Cash App without talking about Venmo. Owned by PayPal and founded in 2009, Venmo offers almost the exact same things as Cash App, including fee-free money transfers to other Venmo users. Venmo also offers a no-fee debit card and a teen banking option, and you can invest in crypto, just like Cash App. It has an optional instant cash-out for a fee of 1.75%, costing a minimum of $0.25 and a maximum of $25. In comparison, Cash App's instant cash-out fee ranges from 0.5% to 1.75%, also with a minimum of $0.25, but no mention of a max. As an extra perk, there's also the Venmo Credit Card with unlimited cashback rewards of up to 3%, while Cash App doesn't have a credit card.

Alternative for a free debit card

Chime® Checking Account

Refer a friend to Chime using your referral link, and if they complete a $200 direct deposit within 45 days of opening their new account, you both get $100.
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Chime is a fintech company with banking services backed by its bank partners, and it is best known for its no-fee, digital checking account and debit card. Chime also has P2P money transfers through its feature called Pay Anyone. It states you can send money to anyone with a debit card for no fees, regardless of whether they have Chime, reducing the need for everyone to have the same P2P app. Chime's debit card and checking account have no monthly fees, opening deposit or balance requirements, and it has tons of other features like cash advances with MyPay, its overdraft service SpotMe, a secured card for credit building and a 2% APY savings account. And unlike Cash App, Chime features 24/7 live customer support. However, you'll need to meet direct deposit requirements to access extra perks like SpotMe or cash advances.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
ATMs: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Deposit: Once the retailer accepts your cash, the funds will be transferred to your Chime Checking Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
Mobile Deposit: Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.
Chime Savings Account: Chime Checking Account is required to be eligible for a Savings Account.
APY: The Annual Percentage Yield (“APY”) is variable and may change at any time. The disclosed APY is accurate as of May 22, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
Get Paid Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Credit Builder: The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

Alternative for cash back debit card

PayPal Debit Card

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PayPal is one of the largest and most widely accepted online payment systems in the world. You can send money without any fees to other PayPal users with the Friends and Family tab using your PayPal balance or linked bank account. PayPal also offers a debit card that's linked to your PayPal balance, offering cash back and points with eligible purchases. Unlike most P2P apps, you can make P2P transfers using its revolving line of credit, PayPal Credit. PayPal also lets you send money to Venmo, and you can buy or sell crypto, perform mobile check deposits and deposit cash at Green Dot locations. Unlike Cash App, it allows international transactions and offers 24/7 customer support. However, PayPal has a myriad of fees — such as the 2.9% fixed fee for personal transactions using a card and the PayPal Debit Card's 2.5% foreign transaction fee — so be sure to read the fee schedule thoroughly.

For sending money in other currencies

Revolut

Get a $10 cash reward when you first use you card on a qualifying $1+ transaction. Terms & Conditions apply.
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Revolut is considered a top borderless personal account with international perks. You can instantly receive or send money to other Revolut users at no cost in 15 currencies. The base Revolut membership features no monthly fees, a split bill feature, a 3.25% APY on savings balances, 24/7 in-app customer support and stock trading with no commission fees, and you can spend in over 150 currencies. Revolut also offers free currency exchange allowances of up to $1,000 per month with the free standard plan. Kids can get a Revolut <18 account if their parent or guardian has a regular Revolut account, which also has no monthly fees. However, watch out for Revolut's unusual fees for ATM withdrawals. Plus, you'll pay $10 to receive domestic wires, and Revolut requires multiple steps to verify your information for security purposes.
Money loaded on your prepaid card is held at Metropolitan Commercial Bank and money in your Savings Vaults is held at Sutton Bank. Money at each bank is FDIC insured up to $250,000 in the event of Metropolitan Commercial Bank's or Sutton Bank's failure.
Securities products are not FDIC Insured, not bank guaranteed and may lose value.

*The Annual Percentage Yield (APY) is a variable rate and may change at any time. These APYs are accurate as of 16 March 2023. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. Standard customers can earn up to 3.25%, while Premium and Metal customers can earn up to 4.25%. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC.

Alternative for P2P payments

Zelle®

It pretty much does one thing and one thing only: Zelle lets you send money to friends or families instantly with no fees and to other US bank accounts. Zelle is integrated with over 2,000 banking apps, banks and credit unions. There's a good chance you already have Zelle integrated with your mobile bank app if you use a major institution like Chase, Discover or Wells Fargo. If your bank isn't automatically integrated with Zelle, it's available on the App Store and Google Play. The payments are free, and the recipient can typically access the money you send within minutes. To use Zelle, you must have a US checking or savings account, and you can't cancel a payment if the recipient is enrolled in Zelle because of how fast the transfers are. However, Zelle also doesn't offer a debit card, investing platform or other bells and whistles like Cash App does.

Alternative for Apple users

Apple Pay

Available on most Apple devices, Apple Pay is a convenient way to pay for things and send money to other Apple users. Your Apple Wallet stores your payment methods, and you can use Apple Pay to make purchases online and in stores where accepted. The virtual wallet accepts multiple payment methods, including credit, debit, prepaid and gift cards, and you can even add your PayPal card. Apple has a feature called Apple Cash that lets you send or receive money from friends and family through the Messages app on your iPhone, Apple Watch or Apple Vision Pro. The digital, no-fee Apple Cash card is automatically in your Apple Wallet and is very similar to the Cash App Debit Card. You can use the Apple Cash card to send money to Apple users or make purchases, and you can give kids their own Apple Cash cards with Family Sharing. However, you can only fund your Apple Cash using linked debit or prepaid cards, not credit cards.

How Cash App compares

Cash App is one of the most popular P2P apps available — for good reason. It’s free to download and send money to other users, offers a free prepaid card that’s linked to your Cash App balance, has an investing platform, get discounts on select purchases with your Cash App Card using its Boost feature and so much more. Cash App also supports debit and credit cards from Visa, Mastercard, Amex and Discover, and some prepaid cards are also accepted.

However, it doesn’t support ATM cards, PayPal or business debit cards, and Cash App can’t really do international payments. You can send money to UK Cash App users and vice versa, but nowhere else. It also doesn’t have 24/7 customer support, and its reviews are riddled with stories about users attempting to recover their funds after falling victim to a scam.

Pros

  • Free to download and use
  • Prepaid card linked to balance
  • Discounts on purchases with Boost
  • Stock and crypto trading

Cons

  • Limited customer support hours
  • No international payments, except UK
  • Thousands of customer complaints

Frequently asked questions

Can I use Cash App with a credit card?

Yes, you can link your credit card to Cash App as a funding source. Cash App supports debit and credit cards, as well as bank accounts and some prepaid cards.

Can you send money from Venmo to a credit card?

No, you can’t send money directly in the Venmo app to someone using a credit card. You can, however, add a credit card to your Venmo account to send or add funds to your Venmo balance.

Are there cash advance apps that work with Cash App?

Yes, many cash advance apps work directly with Cash App. A few include Chime, Brigit and EarnIn.

Why is Cash App shutting down accounts?

Cash App is still very much an active and popular P2P money app and is not shutting down at the time of writing. Cash App may cancel transactions if it deems them suspicious or fraudulent, and it may ask you to confirm or deny suspicious activity.

In the past, users have shared experiences with Cash App closing accounts due to being flagged for suspicious activity or for violating Cash App’s guidelines. Other users have also claimed that various scams, with fake Cash App “representatives” asking them to confirm their identity to keep their account open, which is a common money transfer phishing scam. Contact Cash App directly if you receive suspicious emails or communications from someone claiming to be from Cash App.

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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by

Editor, Banking

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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