Popmoney Review: Is it safe? | finder.com
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Popmoney review: Safety, fees, and step-by-step guide

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Connected to approximately 1,700 banks nationwide, business owners and individuals are turning to Popmoney to send cash.

So much of what we do now is digital, including sending money. Services like Popmoney try to make life a little easier for the consumer. If you need to pay rent, manage your small business or pay your employees but don’t have your checkbook, Popmoney provides a platform to get all of it done.


Min. Transfer Amount


Max. Transfer Amount

3 - 5 days

Transfer Speed


Product NamePopmoney Money Transfers
Min. Transfer Amount$0
Max. Transfer Amount$2,000
Transfer MethodsOnline, Phone, Bank Account to Bank Account
Transfer OptionsRegular payments
Transfer Speed
Minimum transfer time
3 - 5 days
Customer ServicePhone, Email
Available CurrenciesUSD
Online Transfer FeeUSD 0.95

How Does Popmoney Work?

Setting Popmoney Up

To set up Popmoney, you have to sign up at your bank’s website or at Popmoney’s site. Popmoney’s personal payment service goes directly from bank account to bank account, but it doesn’t work with every bank. Check with your bank before signing up for Popmoney.

Sending Money on Popmoney

Popmoney charges a flat $0.95 per transaction. To send money, you can either go to Popmoney’s website or download their app to your phone. Then, enter the email address or phone number of whomever you’re sending money to – they don’t need to have a Popmoney account. They’ll get notified to deposit their money, enter their bank account information and the money will be directly transferred there.

Requesting Money on Popmoney

Requesting money works a lot like sending money. From your Popmoney account, enter the email address of phone number of whomever you’re sending money to, they’ll enter their debit card information and the money will go directly into your account.

Popmoney get started screen

Is Popmoney safe?

Popmoney has not suffered any outright security breaches, however information regarding the specifics of their security systems are sparse. Apart from verifying the account using SMS or email verification codes, Popmoney tends to skirt questions regarding how they protect user information. While most money transfer services assure their users their information is encrypted, Popmoney does not mention it anywhere.

Popmoney is also particularly susceptible to scams – you may receive texts or emails from your “friends” requesting money and payment information. If Popmoney doesn’t encrypt information, hackers can easily access who you’ve sent money to and create fake, but misleaading email accounts in their names. Plus, Popmoney doesn’t provide buyer protection like some other money transfer services (such as Venmo) do.


  • It’s easy to use! Especially for those who are not particularly smartphone savvy (or don’t have a smartphone at all), you can easily manage all of your transactions on a computer.
  • The people you send the money to don’t need to have a Popmoney account – just a bank account and an email or phone number.
  • Money moves directly from bank account to bank account. Unlike services like Venmo, there is no middle account to transfer money in or out of.


  • As with PayPal, sending money through any email service is susceptible to scams. That’s one of the reasons why choosing a trustworthy source, like Popmoney is so important.
  • They charge a flat $0.95 fee per transaction.
  • It can take awhile. Transferring from bank to bank can take several business days.
  • You can’t transfer money internationally. If this is what you’re after, check out our guide on sending money overseas for more options.

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    Default Gravatar
    June 24, 2019

    How can I pull out money at an ATM using a cardless transaction?

      Avatarfinder Customer Care
      June 25, 2019

      Hi Sam,

      Thank you for your comment.

      Just to be clear, you can’t withdraw money from PopMoney using a cardless ATM transaction. Anyway, in regard to cardless ATM transactions, these actually vary per bank if they have this feature available. The cardless cash feature can be retrieved from your bank’s app, generally. Kindly refer to our cardless ATM article to get more details about this feature.


    Default Gravatar
    December 6, 2018

    How i send and transfer Money to Philippines from INDIA is there any way plz tel m and help me

      Avatarfinder Customer Care
      December 11, 2018

      Hi Chitransh,

      Thanks for getting in touch! Unfortunately, we don’t have a comparison page with a list of brands that allow you to send money from India to the Philippines. The companies listed above are available to people in the US only. You might want to check the money service providers available in India.

      I’m sorry I couldn’t be of more help to you at this time. Feel free to email back if you have questions.


    Default Gravatar
    October 26, 2018

    Is it possible for someone who sends me money using this, to possibly steal or take money from my account without me wanting them to?

      Avatarfinder Customer Care
      October 26, 2018

      Hi Paul,

      Thanks for reaching out to finder.

      For any information sent to the Popmoney® personal payment service, they keep it highly secure by using an industry-leading technology to protect their users. Also, in sending or requesting money, you and your contact will never exchange financial account information so no one will be able to access your account, aside from you. They will only be notified by email or text message that you wish to send money or are requesting money from them.

      For more information on how secure your financial and personal information is, you can refer to Popmoney’s security page which you can find on their website.

      I hope this helps.


    Default Gravatar
    May 1, 2018

    what is the transfer limit for popmoney

      Default Gravatar
      May 2, 2018

      Hi Edmond,

      Thanks for leaving a question on finder.

      For Debit card it will be $500 per day and $1,000 per 30 days. From your bank account it will be $2,000 per day and $5,000 per 30 days.


    Default Gravatar
    March 20, 2018

    What does under review mean with popmoney?

      Default Gravatar
      March 22, 2018

      Hi BlueWolf,

      Thanks for leaving a question on finder.

      Popmoney reviews all transactions to help sellers avoid risk. If they think that a payment might be risky or fraudulent, they’ll review it and ask you to wait until their review is complete before shipping. The review process usually takes less than 24 hours, but sometimes can extend to 48 hours. Money transfer usually take within 3 business days.


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