18.1
Android app for tracking and settling shared expenses, with web, iOS, Mac, and Windows access.
Free planAndroidiOSWeb
Best Peer-to-Peer Payment Apps in 2026
Peer-to-peer payment apps let you send, request and split money with other people. Compare Android support, transfer features, fees and limits before choosing. Check for an Android app first, then confirm whether you need iPhone or iPad, web, Windows, macOS or API access. Review free-plan terms, paid-from pricing and regional availability before signing up.
28.0
Android app for managing shared expenses, with iOS and web access.
Free planAndroidiOSWeb
37.6
Android app and website for free tax filing, including self-employment and investment income.
Free planAndroidiOSWeb
- 4
7.4$2.99 one-time - 5
7.4Free plan - 6
7.3From $1,980 a month - 7
Paysend
Paysend is a money-transfer service for sending funds internationally to bank accounts, cards, e-wallets, or cash in more than 170 countries.
AndroidiOSWebAPI7.3$1.99 one-time - 8
7.1Free plan - 9
7.1Free plan - 10
7.0Free plan - 117.0Free plan
- 12
7.0Free plan - 13
OPay
Android app for transfers to Nigerian banks, bill payments, airtime, and data top-ups.
Free planAndroidiOSAPI6.7Free plan - 14
Lydia
Android app for paying, receiving, and sending money, and collecting from others.
Free planAndroidiOS6.5Free plan - 15
MobilePay
MobilePay is a free app for Android and iOS that lets people transfer money, split expenses, pay businesses, and collect shared funds.
Free planAndroidiOS6.5Free plan - 16
6.5 - 17
WorldRemit
Android app and website for instant money transfers, with upfront fee information.
AndroidiOSWeb6.5 - 186.5
- 196.4Free plan
- 20
6.4Free plan - 21
PalmPay
PalmPay is a digital banking and financial services platform for individuals and businesses, founded in 2019 and headquartered in Lagos, Nigeria.
AndroidiOSWebAPI6.3 - 22
tricount
Android app for splitting group expenses with custom shares and multiple currencies.
Free planAndroidiOS6.3Free plan - 23
Vipps
Android app for sending and receiving money, paying, sharing expenses and settling bills.
AndroidiOSAPI6.3From 300 NOK a month - 24
M-PESA
M-PESA is Safaricom’s mobile money service for sending, receiving, and accessing funds.
AndroidiOS5.9
Choosing well
Which platforms does it need to run on?
Start with Android support, then check iOS, web, Windows, macOS or API access for the devices and services you use.
An Android app can cover phone payments, while web or API access may suit desktop work or integrations. Confirm platform details on the service's site.
Can it split payments and send requests?
Choose an app that supports split payments if you regularly divide shared costs, and payment requests if you need to ask someone for money.
Compare both features together because an app may support requests without matching your preferred way to divide a bill.
How do instant transfers and cash-out fees work?
Check whether instant transfer is available and how the cash-out fee model applies before moving money out.
Compare the fee model with the paid-from price so you understand the cost of sending, receiving or withdrawing funds.
Does it support international transfers and useful limits?
For cross-border payments, verify that international transfers are supported for your route and destination.
Review the daily send limit as well as transfer and cash-out terms, since limits can affect larger or repeated payments.
Is there a free plan or trial?
A free plan or free trial can let you check the core service before paying, but read what the plan includes and when paid pricing starts.
Compare the free-plan terms with the listed paid-from price, and check whether the features you need remain available without an upgrade.
Questions people ask
Which peer-to-peer payment apps have Android apps?
Android support is a core platform in this chart. Check the app listing and service website for the Android version and regional availability before signing up.
What should I compare in a payment app?
Compare free-plan terms, paid-from pricing, split payments, payment requests, instant transfers, international transfers, daily send limits and cash-out fee models.
How can I split a bill with a payment app?
Look for split-payment support. It is designed for dividing shared costs, while payment requests let you ask another person to send money.
What is an instant transfer in a payment app?
Instant transfer is a feature to check when you need money moved quickly. Confirm availability, limits and any related cash-out fees for your account.
Do peer-to-peer payment apps support international transfers?
Support differs by service and route. Check the destination, transfer terms and fees before relying on an app for an international payment.