Best Cash App alternatives [2024] – Apps like Cash App
Since its launch in 2013, Cash App’s convenient features—peer-to-peer payments, debit card access, and Bitcoin integration—have attracted millions of users. However, security issues 1, including data breaches in 2022 and 20232, have prompted some users to seek Cash App alternatives.
If you’re looking for money transfer apps similar to Cash App, this article explores popular money apps, providing a point-by-point comparison to help you find the right solution.
Why look for Cash App alternatives?
Although Cash App has since addressed data privacy and security concerns3 and enhanced its security, there are other issues4 that might compel you to consider Cash App competitors.
Cash App is limited to users within the US. This poses challenges for international transfers, especially while you’re abroad.
Standard transfers on Cash App are free. However, instant transfers incur up to 1.75%, plus a base fee. Transfers through a linked credit card are charged a 3% fee5. These additional charges can be prohibitive.
Without identity verification, Cash App users can send and receive only $1,000 per 30 days6. To get a higher limit, you’ll need to provide personal information, bank details, and a government-issued ID.
If you regularly send and receive money transfers, consider apps like Cash App international but with more user-friendly and budget-friendly features.
Top Cash App alternatives for 2024
BOSS Revolution
BOSS Revolution is an international money transfer and calling service provided by IDT Corporation. With services designed primarily for immigrants and expatriates, it offers among the lowest fees for international money transfers, calls, and top-ups. It also makes these services accessible even to unbanked individuals and prepaid mobile users.
With BOSS Revolution, you can transfer funds to recipients from dozens of countries worldwide through the BOSS Revolution website or the BOSS Revolution Money App.
App ratings
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| Play Store | App Store |
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- BOSS Revolution money transfers don’t require a bank account or credit card.
- Multiple payment locations and pickup points simplify international transfers.
- All transactions show fees upfront before the money is transferred for full transparency.
- The app requires access to location data.
- Large transfers to certain destinations require ID verification.
- The app may not be compatible with some devices.
Venmo
Venmo is a digital wallet for sending and receiving money. It can also be linked to bank accounts and credit cards for easier cash flow management. Many users consider Venmo an alternative to Cash App for its social payment features and ease of use when splitting bills. These social payment features have led to the popularization of the phrase “Venmo me.”
App ratings
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| Play Store | App Store |
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- Apps like Venmo are easy to link with bank accounts or credit cards.
- Parents can get a teen account for children aged 13-17 years old.
- Personalized messages and emojis make it a favorite among friends.
- The app doesn’t reflect new balances in real time.
- Some transparency issues with fees
- Poor customer support and unresolved issues have turned away some users.
PayPal
PayPal is an online payment platform widely used in over 120 countries. Integrated within many eCommerce platforms, it’s a popular payment method for online shopping. It enables money transfers among individuals through their PayPal balance or linked bank accounts.
App ratings
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| Play Store | App Store |
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- Two factor-authentication and security checks are done at every step from log-in to transferring money.
- Can be used for payments for in-store and online shopping
- Sending and receiving money between PayPal users within the US is free.
- Some users find the multiple security checks tedious.
- Lacks transparency with fees; not immediately clear what fees are charged per transaction
- Some users have reported poor customer service, slow app performance, and high transaction fees.
Zelle
Launched by Early Warning Services, Zelle enables quick money transfers between bank accounts. Integrated with leading US banks and credit unions, it allows US consumers and businesses to send and receive money easily.
App ratings
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| Play Store | App Store |
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- Zelle Pay is integrated into over 2,000 mobile banking apps, making it convenient for online transfers.
- Zelle has no transaction fees, but mobile carrier or bank fees may apply.
- Transfers can be made without sharing account numbers.
- Money transfers in apps like Zelle are limited between US banks.
- Users must have a US bank account to use Zelle.
- Only one bank account can be linked to each phone number or email address.
Wise
Wise is a popular platform for international money transfers, available in 70+ countries with low fees. It charges a minimal flat fee and a percentage of the transfer amount. There are no hidden fees and exchange rate markups.
App ratings
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| Play Store | App Store |
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- The platform shows all fees and exchange rates upfront.
- Users can authorize Wise to directly debit their bank account for faster transfers.
- Funds of Wise users are safeguarded with leading banks and financial institutions.
- No clear instructions for transferring to bank accounts outside of Wise
- A government-issued ID with a photo is required for large transfers.
- Some users find the verification process too slow.
Google Pay
Google Pay is a digital wallet and payment system that allows contactless payments within and beyond the Google ecosystem. Users can send peer-to-peer payments, transfer funds from bank accounts, and make purchases seamlessly across all devices and platforms due to its integration with Google services. In June 2024, Google discontinued the US standalone app7. Instead, users can download Google Wallet for Google Pay payments.
App ratings
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| Play Store | App Store |
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- Can be used for sending and receiving money online and on-site
- Payment methods and card details can be saved on the Google Account for faster transactions.
- Built-in authentication and encryption secure every transaction.
- User interface is a bit outdated and could use a revamp.
- Too many ads shown
- Some users report poor customer service and rarely helpful automated responses.
Chime
Chime is a fintech company offering basic banking services online, including money transfers and early direct deposits. Compared to apps like Cash App international, it has broader service offerings like savings accounts, debit cards, and credit cards. Chime is appealing since it charges no fees for sending and receiving money through Chime Pay Anyone.
App ratings
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| Play Store | App Store |
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- Chime Deals allows members to earn cash back
- The SpotMe feature allows eligible members to overdraw up to $200 without incurring overdraft fees.
- Enables money transfers to recipients without Chime accounts
- Doesn’t offer international money transfers8
- SpotMe can only be used by employed individuals who have set up direct deposit of their paycheck into Chime.
- Recipients without Chime accounts need a debit card to claim funds.
What to look for in a Cash App alternative
Now that you know what makes each money transfer app distinct, it’s time to choose the best Cash App alternative. Consider these factors:
Check transfer fees, exchange rates, international transfers, and credit card fees.
If you’re constantly abroad, choose an app accessible anywhere around the world. If you’re based in the US but regularly send funds internationally, consider options like BOSS Revolution.
Check which security features are used in the app and during money transfers.
For convenience, choose apps allowing debit card access or direct deposits.
For smooth transactions, choose an app with a user-friendly, intuitive interface.
How Cash App alternatives compare: fees, features, and availability
| BOSS Revolution | Venmo | PayPal | Zelle | Wise | Google Pay | Chime | |
|---|---|---|---|---|---|---|---|
| Availability | From US to dozens of countries worldwide | Within the US only | Over 200 global markets9 | Within the US only | 170+ countries | Over 90 countries10 | Within the US only |
| Payment methods | Cash Credit or debit card Bank debit |
Venmo account Bank debit Credit or debit card |
PayPal balance Bank account Credit/debit card |
Bank debit | Bank debit Wire transfer Credit/debit card |
Bank debit Digital wallets Credit/debit card |
Debit card Chime account |
| Transfer options | Cash pickup Bank deposit Home delivery Mobile wallet Direct to debit |
Venmo account Bank deposit |
PayPal balance Bank account Debit or credit card Check |
Bank deposit | Bank deposit | Bank deposit | Debit card Chime account |
| Transfer limits | $10 to $2,999 | $299.99 per week (unverified accounts) $60,000 per week (verified)11 |
Up to $25,000 per transaction12 for bank transfers, and $5,000 per transaction for cards | $500 send limit and $5,000 receive limit on Zelle app13 | Up to $1,000,000 per transfer | Up to $1,000 within any 7-day period14 | Varies per user15 |
| Transfer speed | Within minutes | Within minutes | Within 30 mins (instant) Within 48 hours (standard) |
Within minutes | Within minutes | Varies | Within minutes |
| Additional features and promotions | Free 1st money transfer $25 gift card for each referral |
Crypto purchases | Crypto transactions Cash back from brands |
None | International debit card Large amount transfers Investment funds |
Google Play gift cards Store credit redemption16 |
Savings account Credit account |
| Best for | Affordable and accessible international money transfers | Domestic social payments, splitting bills | Online shopping, international payments | Quick money transfers within the US | Sending money abroad | Users of Google services | Online banking services |
Best for international payments: BOSS Revolution vs. Cash App
Apps like Venmo and Cash App are reliable for domestic transactions. But for international transfers, BOSS Revolution offers a more robust solution. As a Cash App alternative, it offers better exchange rates and lower fees.
| BOSS Revolution | Cash App | |
|---|---|---|
| Availability | Transfers allowed from the US or Canada to dozens of countries worldwide | Within the US only |
| Delivery methods |
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| Transfer speed | Within minutes | Within 1-3 business days17 (standard) Within minutes (instant) |
| Transfer limit | Minimum of $10 Maximum of $2,999 |
Up to $1,00018 per 30-day period (unverified accounts) |
| Fees | Varies depending on the amount, destination, and payment method. Exchange rates and transfer fees are shown before money is sent. Credit/debit card fees may be imposed by the user’s card provider. |
Free (standard transfers) $0.25 + 0.5-1.75% of transfer amount19 (instant transfers) |
What’s the best app like Cash App for international transfers?
For international transfers, the BOSS Money is a top choice. It allows users in the US and its territories to send money to recipients in thousands of locations worldwide. It offers the widest range of options for receiving money transfers, including cash pickups and home delivery in some countries.
Are there apps like Cash App that don’t require a Social Security Number (SSN)?
Yes, some apps, like BOSS Revolution, don’t always require an SSN, making money transfers more accessible with minimal requirements. Users just need to provide their name, contact number, and email address. However, large transfers may require ID verification.
What’s the best Cash App alternative for business use?
Top Cash App alternatives for businesses include Wise, Google Pay, Chime, and PayPal. They provide high transaction limits, reporting tools, and corporate account options. For individuals looking for more budget-friendly transfers, BOSS Revolution may be the better choice.
Bottom line
Choosing the best Cash App alternative depends on your needs. Consider which features are your priority. Do you need low fees that fit your budget? Do you require international capabilities? Is social payment a must-have? Our comparison tables above can help you find the right money app. Take the time to compare these alternatives, and consider trying BOSS Revolution. For international transfers, BOSS Revolution is a great alternative to Cash App, as it provides affordable options and multiple ways for recipients to get their funds.
Sources: all third party information obtained from applicable website as of November 12, 2024
- https://angeion-public.s3.amazonaws.com/www.cashappsecuritysettlement.com/docs/73_Consolidated%20Class%20Action%20Complaint.pdf
- https://www.cbsnews.com/news/cash-app-money-settlement-2500-how-to-file-a-claim/
- https://www.nytimes.com/2024/08/09/business/cash-app-settlement.html
- https://www.security.org/digital-safety/is-cash-app-safe/
- https://cash.app/send/
- https://cash.app/help/6543-account-limits/
- https://blog.google/products/google-pay/payment-apps-update/#:~:text=Changes%20to%20peer%2Dto%2Dpeer,of%20the%20Google%20Pay%20app
- https://help.chime.com/hc/en-us/articles/18527652734103-Does-Chime-offer-international-transfers
- https://www.paypal.com/us/cshelp/article/what-are-the-benefits-of-using-paypal--help333
- https://blog.google/products/google-pay/google-wallet-update-september-2024/
- https://help.venmo.com/hc/en-us/articles/221010968-Personal-Profile-Payment-Limits
- https://www.paypal.com/us/webapps/mpp/paypal-fees
- https://www.zellepay.com/faq/there-limit-how-much-money-i-can-send-or-receive
- https://support.google.com/googlepay/answer/10187490
- https://www.chime.com/pay-anyone/
- https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=googlepaytos&ldr=US#SafeHtmlFilter_GeneraldesGP
- https://cash.app/help/3073-withdrawal-transfer-speed-options
- https://cash.app/help/6543-account-limits#:~:text=Sending%20and%20receiving%20limits,of%20accounts%20you've%20created
- https://cash.app/help/3073-withdrawal-transfer-speed-options#:~:text=Cash%20App%20offers%20standard%20transfers,instantly%20to%20your%20debit%20card
This article is provided for general information purposes only and is not intended to address every aspect of the matters discussed herein. The information in this article is not intended as specific personal advice. The information in this article does not constitute legal, tax, regulatory or other professional advice from IDT Payment Services, Inc. and its affiliates (collectively, “IDT”), and should not be taken or used as such by any individual. IDT makes no representation, warranty or guaranty, whether express or implied, that the content in this article is current, accurate, or complete. You should obtain professional or other substantive advice before taking, or refraining from, any action on the basis of the information in this article.
