Best Peer-to-Peer Payment Apps in 2026
Updated
In short: Settle Up is ranked #1 of 24 as of 4 October 2026, ahead of Wise and Splitwise. The best-ranked option with a free plan is Wise. The lowest first paid tier on this page is Vipps at NOK 300/mo.
Peer-to-peer payment apps can help you send money, request payments, or split shared costs. Compare daily send limits and cash-out fee models, and check whether instant transfers or international transfers are listed. Payment requests and split payments may suit different ways of settling up. BHIM, PhonePe, and Venmo lead the ranking, followed by PicPay, MobilePay, Zelle, Vipps, and PayPay among the first entries. The comparison also includes free-plan availability and paid-from pricing. Review the listed transfer details and payment tools against the kinds of transactions you expect to make.
24 peer-to-peer payment apps ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
#1 Settle Up Top pick · 7.4 
#2 Wise Runner-up · 7.3 Free plan · Free
#3 Splitwise Also great · 7.1 Free plan · Free- Free plan AndroidiOSWebWindows
- Free plan
- Yes
- Split payments
- Yes
- Instant transfer
- Yes
RecognisedDocumentedFree planPlatforms - Free plan AndroidiOSWeb
- Free plan
- Yes
RecognisedDocumentedFree planPlatformsFree About WiseVisit site - Free plan AndroidapiiOSWeb
- Free plan
- Yes
- Split payments
- Yes
- Payment requests
- Yes
- International transfers
- No
RecognisedDocumentedFree planPlatforms - Free plan AndroidiOS
- Free plan
- Yes
RecognisedDocumentedFree planPlatforms - Free plan AndroidiOSRecognisedDocumentedFree planPlatforms
- Free plan AndroidiOSWeb
- Free plan
- Yes
RecognisedDocumentedFree planPlatforms - Free plan AndroidiOS
- Free plan
- Yes
- Split payments
- Yes
- Payment requests
- Yes
- Instant transfer
- Yes
RecognisedDocumentedFree planPlatformsFree About BHIMVisit site - Free plan AndroidiOS
- Free plan
- Yes
- Split payments
- Yes
- Payment requests
- Yes
- Instant transfer
- Yes
- International transfers
- Yes
RecognisedDocumentedFree planPlatforms - Free plan AndroidiOS
- Free plan
- Yes
- Split payments
- Yes
- Payment requests
- Yes
- Instant transfer
- Yes
- International transfers
- Yes
RecognisedDocumentedFree planPlatforms - Free plan AndroidiOS
- Free plan
- Yes
- Split payments
- Yes
- Payment requests
- Yes
- Instant transfer
- Yes
RecognisedDocumentedFree planPlatforms - Free plan WebiOSAndroid
- Free plan
- Yes
RecognisedDocumentedFree planPlatforms - AndroidapiiOS
- Free plan
- Yes
- Split payments
- Yes
- Payment requests
- Yes
- Instant transfer
- Yes
- International transfers
- Yes
RecognisedDocumentedFree planPlatformsNOK 300/mofirst paid tier About VippsVisit site - WebiOSAndroid
- Free plan
- Yes
RecognisedDocumentedFree planPlatforms - WebiOSAndroidRecognisedDocumentedFree planPlatforms
- WebiOSAndroid
- Free plan
- Yes
RecognisedDocumentedFree planPlatforms - WebiOSAndroid
- Free plan
- No
RecognisedDocumentedFree planPlatforms - iOSAndroid
- Free plan
- Yes
RecognisedDocumentedFree planPlatforms - WebiOSAndroidRecognisedDocumentedFree planPlatforms
- iOSAndroidRecognisedDocumentedFree planPlatforms
- WebiOSAndroidRecognisedDocumentedFree planPlatforms
- iOSAndroid
- Free plan
- Yes
RecognisedDocumentedFree planPlatforms - iOSAndroid
- Free plan
- Yes
- Payment requests
- Yes
- Instant transfer
- Yes
RecognisedDocumentedFree planPlatforms - iOSAndroid
- Free plan
- Yes
- Split payments
- Yes
- Instant transfer
- Yes
RecognisedDocumentedFree planPlatforms - iOSAndroidRecognisedDocumentedFree planPlatforms
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which peer-to-peer payment app is ranked first on Everything Xiaomi?
Settle Up is ranked #1 of 24 with a score of 7.4. Wise is second and Splitwise third.
How many of these have a free plan?
11 of the 24 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Vipps has the lowest first paid tier we found: NOK 300/mo.
How is this list ranked?
Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on. Paid placements never change a rank.