18.1
Settle Up tracks shared expenses and IOUs, helping groups work out who should pay next while reducing the number of transactions used to settle debts.
Free planAndroidiOSWeb
Best Peer-to-Peer Payment Apps in 2026
Sending money to friends, collecting payments, or settling shared costs can involve different fees and transfer needs. Compare daily send limits and cash-out fee models, and check whether instant or international transfers are listed. Settle Up, Wise, and Splitwise are among the options to consider for the kinds of payments you expect to make. Payment requests and split payments may matter when organizing shared…
28.0
Splitwise organizes shared expenses and IOUs so friends, family, housemates and trip groups can track who owes whom.
Free planAndroidiOSWeb
37.6
Cash App Taxes is a self-service service for preparing and filing U.S.
Free planAndroidiOSWeb
- 4
Remitly
Remitly is a money transfer app for sending funds internationally, available on Android and iOS.
Free planAndroidiOS7.4$2.99 one-time - 5
Wise
Wise is a money app for sending money abroad, receiving payments, checking exchange rates, paying bills and sending money to loved ones.
Free planAndroidiOSWeb7.4Free plan - 6
PayPay
PayPay is a smartphone payment service that lets people pay by displaying a barcode or scanning a QR code.
Free planAndroidiOS7.3From $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
PicPay
Free planAndroidiOSWeb7.1Free plan - 9
Venmo
Venmo is a payments app for sending money to friends, paying businesses, and checking out when shopping.
Free planAndroidiOSWeb7.1Free plan - 10
PhonePe
PhonePe is a free Android and iOS app for digital payments and related services.
Free planAndroidiOS7.0Free plan - 11
Taptap Send
Taptap Send is an Android and iOS app for sending money to friends and family in Africa, Asia, the Caribbean and Latin America.
Free planAndroidiOS7.0Free plan - 12
Zelle
Zelle lets people send, request, and receive money through a participating bank or credit union’s app or online banking.
Free planAndroidiOSWeb7.0Free plan - 13
OPay
OPay is a financial services platform for managing money, payments, and transactions, serving users, agents, and merchants in Nigeria.
Free planAndroidiOSAPI6.7Free plan - 14
Lydia
Lydia is a mobile app for sending, receiving, paying and collecting money, available on Android and iOS.
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
MoneyGram
MoneyGram is a money-transfer app from MoneyGram, founded in 1940 and headquartered in Dallas, Texas.
AndroidiOSWeb6.5 - 17
WorldRemit
AndroidiOSWeb6.5 - 18
Xoom
Xoom lets customers send money, pay bills abroad, and reload prepaid phones for family and friends.
AndroidiOSWeb6.5 - 19
Airtel Money
Airtel Money Wallet is a digital wallet in the Airtel App for recharges, bill payments, merchant purchases, and transfers to people or bank accounts.
Free planAndroidiOS6.4Free plan - 20
BHIM
BHIM is a free UPI payment app for Android and iOS that lets users send money directly to bank accounts and request payments.
Free planAndroidiOS6.4Free 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
tricount is a free Android and iOS app for splitting shared expenses among friends, households, travel groups, and other groups.
Free planAndroidiOS6.3Free plan - 23
Vipps
Vipps is a payment app for sending and receiving money, paying in stores and online, splitting expenses, collecting money, and paying 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