Apps Like Venmo: 6 Alternatives

The Annual Percentage Yield (APY) is a variable rate and may change at any time. These APYs are accurate as of 9/1/2026 and apply only to plan users in good standing. Plan fees apply and cancellation fees may apply for Premium and Metal plans. Terms & Conditions apply. No min. balance to open; $0.01 min. to earn APY. 4.00% APY for Metal plan users, 3.75% APY for Premium plan users, and 3.50% APY for Standard plan users with balances held in a Max Rate Savings Account. For balances in other Savings Account, the rate is 3.10% APY Metal, 3.00% for Premium, and 2.90% for Standard. Only 1 Max Rate Savings Account is permitted and is limited to $10,000 USD in user-initiated deposits. The max combined balance of all Savings Account is $250,000 per user. Savings Account services provided by Cross River Bank, Member FDIC, insured up to $250,000.

5% back on up to $1,000 of selected category spend per month earned as points redeemable for multiple options. Terms apply.

ATMs must display the Mastercard®, Cirrus®, Pulse® or MoneyPass® acceptance marks. Up to $400 USD daily withdrawal limit applies. Transactions at non-MoneyPass ATMs have a $2.50 ATM Domestic and International Withdrawal Fee. No fee for MoneyPass ATM Withdrawals in the U.S. International Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See PayPal Balance Terms and Conditions.

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.
Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.
ATM: Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
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 date of publication. No minimum balance required. Must have $0.01 in savings to earn interest.
Chime Plus: The 4.00% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 1.00% APY will apply. The APYs are effective as of 10/06/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.
Chime Plus membership eligibility: To be eligible for Chime Plus status, receive either 1) a single $200+ qualifying direct deposit; or 2) $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Certain products marketed as perks have additional eligibility requirements. While some perks may have associated fees, none of these fees are mandatory to access the perks or to maintain the applicable status. See the Chime Membership Tiers Terms and Conditions for details on all listed Prime and Plus perks.
Chime Prime: To be eligible for Chime Prime status, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. To be eligible for Chime Plus status, receive either 1) a single $200+ qualifying direct deposit; or 2) $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Certain products marketed as perks have additional eligibility requirements. While some perks may have associated fees, none of these fees are mandatory to access the perks or to maintain the applicable status. See the Chime Membership Tiers Terms and Conditions for details on all listed Prime and Plus perks.
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.
Chime Card: To apply for a Chime Card, Chime® Checking Account is required to apply.
SpotMe: SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime® Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card.

Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on Chime Card Terms and Conditions.
Federal Tax Return Direct Deposit: Chime members may choose to direct deposit their state and/or federal tax refunds with Chime. They may choose to direct deposit no matter what tax preparer they choose. They do not need to file through Chime in order to direct deposit their refund. If a member does direct deposit their federal refund they may receive the refund up to 6 days early. This only applies to federal refunds, not state. When marketing the speed of the tax refund it must always include the following elements: federal tax refund, up to 6 days early, with direct deposit.
MyPay®: MyPay® is only offered in select states. To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or https://www.chime.com/policies/stride/mypay/ for details.
Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See Terms and Conditions. Offers provided by Cash App, a Block, Inc. brand. Offers not affiliated with third party merchants.

*Cash App Green benefits: Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information.

Higher limits for borrowing cash: Unlock Borrow limits up to $400 for first time borrowers, and get limit increases of up to $500. Borrow eligibility and limits depend on several factors and are not guaranteed. There are multiple ways to increase your Borrow limit, see here for more details. Borrow limit increase for spending may be lower than limit increase for depositing. Limit increases are subject to change. Borrow is not available in Colorado or Iowa. Borrow loans issued by Square Financial Services, Inc.

Free overdraft coverage: Free overdraft coverage of up to $200 for Cash App Card transactions. Eligibility requirements apply, see terms for details

Savings interest: To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.

Free in-network ATM withdrawals: Cash App reimburses ATM fees for all in-network withdrawals when you deposit at least $300 monthly of Qualifying Deposits into Cash App, or spend $500 or more in Qualifying Purchases using your Cash App Card or Cash App Pay in a calendar month. Service fees may apply. See terms for more details.

Sponsored Accounts are not eligible for no fee overdraft coverage and Borrow. Additional eligibility restrictions apply for each benefit.