1. Do Any Apps Pay You Real Money
2. Apps That Pay You Real Money To Your Bank Account Permanently
3. Apps That Pay You Real Money To Your Bank Account Interest Rate
4. What Apps Really Pay You Real Money
5. Apps That Pay You Real Money To Your Bank Account
6. Apps That Win Real Money

There are a few game apps that pay you money, believe it or not. Check out Swagbucks, Mistplay, InboxDollars, and Solitaire Cube to make money for playing games. What are the best money making apps? There are a lot of legitimate apps that’ll pay you real money — you can see a full list of money-making apps here. Once you have reached $25 in your account, you can get a cash payout via PayPal or have the check mailed to you. – Android apps that make you money. These are apps available only for Android. But again, depending on how successful they become, we can expect the iOS version pretty soon as well.

PayPal is one of the most popular payment platforms out there.

• Money making apps are apps that pay you real money for signing up, taking surveys, simply installing them, or a variety of different tasks that pay. Almost all of the best money making apps are free to use and are little known ways that people can make money from their mobile devices.
• The app pays you real money for completing gigs available near you. Gig Walkers can earn anywhere from $3-100 for certain tasks, though there wasn’t much selection near me when I checked. Apps That Pay You to Exercise HealthyWage.
• Most payment apps allow you to make and receive payments for free if you’re using a bank account or an in app balance. However, if you use a credit card, you may have to pay a fee to send or receive money. Additionally, apps may charge other fees if you want to move the money out of your app account and into your bank account.

According to statistics, in 2018, there were 254 million active PayPal accounts.

That’s a huge number of people using the platform!

One of the main reasons for PayPal’s popularity is that you can get your money pretty much instantly!

Handily enough, there are tons of apps and reward sites that pay through PayPal.

Below, we cover apps for both Android and iOS devices.

Most of these are apps that pay instantly to PayPal. Others will send payments to your PayPal account within 24 hours or so after requesting a cashout.

iPhone (& Android) Apps that Pay You PayPal Money Fast

In this section, we cover a list of iOS (iPhone, iPad and other Apple devices) free money apps that send money to you via PayPal. Most of these apps also have an Android version. So if you have a device that runs on the Android platform, you can install the Android version.

1. Rakuten

Rakuten (former eBates) gives you cashback when you purchase items online.

There are more than 2,000 stores featured on there, and you can get cashback up to 40%.

There are coupons available too, and you get a $10 reward when you sign up. Gift cards are also a payment option in addition to PayPal.

Install the app

• Download Rakuten for Android devices here.
• Download Rakuten for iOS devices here.

2. Swagbucks

Swagbucks is one of the best rewards apps out there, as it allows you to earn points in a number of different ways.

You can get paid for doing super simple tasks, like:

• Browsing the internet
• Playing games
• Watching videos
• Taking surveys
• Shopping online

In return for completing these tasks, you receive points, called Swag Bucks, or SB. You can redeem SB for money to your PayPal account. You can also redeem your points for gift cards to retailers like Amazon and Walmart.

You can make anywhere from $50 to $125 plus a month using Swagbucks, according to Reddit users, with one user earning almost $300 a month.

Install the app

• Download Swagbucks for Android devices here.
• Download Swagbucks for iOS devices here.
• Check out our Swagbucks review to learn more about this app.

3. Ibotta

Ibotta pays you for receipts, but works slightly differently to other ones on this list.

Rather than paying for whole receipts, Ibotta pays you when you buy specific items. So you browse offers in the app, buy the item featured in the offer, upload a photo of your receipt, and Ibotta will give you a rebate.

In addition to offering PayPal payments, Ibotta also allows you to get your payment on a gift card.

Install the app

• Download Ibotta for iOS devices here.
• Download Ibotta for Android devices here.

4. Shopmium

Shopmium gives you cashback when you upload a photo of a receipt. You can get discounts on a range of products from cosmetics to groceries.

Install the app

• Download Shopmium for Android devices here.
• Download Shopmium for iOS devices here.

5. Receipt Hog

Receipt Hog allows you to upload receipts from stores, restaurants and cafés and earn rewards.

You can redeem your rewards for money through PayPal. You can also redeem your rewards for an Amazon gift card.

Install the app

• Download Receipt Hog for iOS devices here.
• Download Receipt Hog for Android devices here.

6. iPoll

With iPoll, you get paid to give your opinion on the products you buy, the services you use and the places you visit.

In addition to PayPal payments, you can also get your earnings on a gift card for Amazon or iTunes.

Install the app

• Download iPoll for iOS devices here.
• Download iPoll for Android devices here.

7. Toluna

Toluna pays you for providing your opinion to brands on their products and services.

It’s actually one of the highest paying survey apps that pay through PayPal.

You’ll get points which you can redeem for money or for gift cards to places like Amazon, Starbucks and Petco.

Install the app

• Download Toluna for iOS devices here.
• Download Toluna for Android devices here.

8. Univox Community

When you share your opinion in surveys, Univox will give you points, which you can redeem for money to your PayPal account.

Amazon gift cards are also a redemption option, as well as Virtual Visa Cards.

For signing up, you’ll get 200 bonus points, which have a $2 value.

Install the app

• Download Univox Community for iOS devices here.
• Download Univox Community for Android devices here.

9. Appdown

Appdown gives you points when you download apps. You can redeem these points for money through PayPal. Gift cards to retailers like Amazon, Google Play and iTunes are also a redemption option.

Install the app

• Download Appdown for iOS devices here.
• Download Appdown for Android devices here.

10. BerryCart

You can upload photos of your receipt on BerryCart (app review), and you’ll get cashback via PayPal. Gift cards are also available.

BerryCart has a focus on organic and non-GMO type food.

Install the app

• Download BerryCart for iOS devices here.
• Download BerryCart for Android devices here.

11. Perk

Perk is a rewards app that gives you points when you complete tasks, like watching videos and answering trivia questions.

You can redeem these points for rewards, chiefly gift cards, but also for cash through PayPal or Perk Plastik.

You can make $360 a year with this app. Take a look at our Perk review to learn more.

Install the app

• Download Perk for iOS devices here.
• Download Perk for Android devices here.

12. Qmee

Qmee gives you rewards when you give your opinion. There are coupons and deals available on the app too.

Aside from PayPal payments, Qmee also offers gift cards. What’s good about Qmee is that there’s no minimum withdrawal limit, meaning you can withdraw your earnings when you want to.

Install the app

• Download Qmee for Android devices here.
• Download Qmee for iOS devices here.
• Download the Qmee Chrome Extension here.

13. SavingStar

Get cashback on eligible purchases with SavingStar. If you wanna get paid for scanning your receipts, this is a great app to do it with. You just need to upload a photo of your receipt and you’ll get paid.

You only need $5 in your account as well to withdraw your money.

Install the app

• Download SavingStar for Android devices here.
• Download SavingStar for iOS devices here.

14. InboxDollars

With InboxDollars, you get paid to complete tasks, like checking emails, completing offers, shopping online, taking surveys and playing games.

Install the app

• Download InboxDollars for iOS devices here.
• Download InboxDollars for Android devices here.

15. Viggle

This is another app from Perk. It focuses on live TV and streaming.

Basically, you get paid for watching your favorite TV shows.

With Viggle, you earn points when you check into any live TV or streaming program. You can check into TV shows and movies live on TV or through providers like Netflix, Amazon and Hulu.

Aside from payment through PayPal, you can also exchange your points for gift cards, or a Perk Plastik card, which is a prepaid debit card. You can also use your points to get prizes.

Install the app

• Download Viggle for Android devices here.
• Download Viggle for iOS devices here.

16. MooCash

Get money from MooCash when you complete tasks, like watching videos, playing games, trying new apps and taking surveys.

Aside from PayPal payments, you can also get your cash on gift cards for retailers like Whole Foods, Netflix, and Starbucks.

Install the app

• Download MooCash for Android devices here.
• Download MooCash for iOS devices here.

17. YooLotto

YooLotto gives you rewards when you complete tasks and offers.

Payment is sent via PayPal or you can get it on an Amazon gift card. Also, you can use YooLotto to check whether you have a winning lottery ticket.

Even if your ticket is not a winner, you can still get rewards, such as coupons and deals.

Install the app

• Download YouLotto for iOS devices here.
• Download YouLotto for Android devices here.

18. Embee Meter

Embee Meter runs in the background of your phone to monitor the quality of your phone’s internet calls and just how well your phone works in general. So, you basically use your phone as you normally do, while Embee Meter runs in the background and gives you points for it.

Aside from redeeming your points for money to your PayPal account, you can also get gift cards and, in some countries, mobile airtime.

Install the app

• Download Embee Meter for Android devices here.

19. ShopAtHome

ShopAtHome is a cashback app. When you shop through ShopAtHome, you can get cashback to your PayPal account. Or, if you prefer, you can get the cashback on an Amazon gift card.

When you sign up, you’ll get a $10 bonus as well.

Install the app

• Download ShopAtHome for Android devices here.
• Download ShopAtHome for iOS devices here.

20. TopCashBack

TopCashBack is a cashback app. You can get payment through PayPal, and also from Amazon, which earns you an extra 3% cashback.

Install the app

• Download TopCashBack for Android devices here.
• Download TopCashBack for iOS devices here.

Android Apps that Pay You Money Through PayPal

Above, we covered apps that pay you through PayPal, which are available for both Android phones and iPhones.

But, there are also apps that pay through PayPal that are only available to Android users.

These apps range from game apps to apps that pay you to watch ads on your phone’s lock screen.

So take a look at these apps.

21. AppBucks

Complete offers and other easy tasks and AppBucks will pay you. Aside from PayPal payments, you can also choose to get a Google Play gift card.

Plus, there’s a $10 sign up bonus available.

Install the app

• Download AppBucks for Android devices here.

22. AppKarma

AppKarma gives you money to your PayPal account, or gift cards when you download and try new apps. You can also get paid via gift cards for brands like Amazon, iTunes and Google Play.

Install the app

• Download AppKarma for Android devices here.

23. FeaturePoints

FeaturePoints gives you points when you try out new apps. You can redeem your points for money to your PayPal account.

Gift cards are also a redemption option for places like Amazon and Starbucks.

Install the app

• Download FeaturePoints for Android devices here.

24. AppLike

Earn points for playing games and trying new apps recommended by AppLike. You can redeem them for money to your PayPal account or for gift cards for brands like Amazon, Netflix, the Google Play store and Spotify.

Install the app

• Download AppLike for Android devices here.

25. Fronto

Fronto is an app that pays you when you display content on your phone’s lock screen. It’s such an easy way to make money from your phone without really doing anything.

Install the app

• Download Fronto for Android devices here.

26. Slidejoy

Slidejoy pays you to display ads and news content on your phone. Gift cards are also a payment option.

Install the app

• Download Slidejoy for Android devices here.

27. ScreenPay

ScreenPay will pay you to display personalized deals and promotions on your phone.

Install the app

• Download ScreenPay for Android devices here.

28. AdMe

AdMe pays you to display news, deals and coupons on your phone’s lock screen. Aside from PayPal payments, you can also get gift cards for places like Best Buy and Walmart.

Install the app

• Download AdMe for Android devices here.

29. SurveyCow

SurveyCow is an app that displays mini-surveys on your phone’s lock screen. When you complete these surveys you earn points that you can redeem for cash through your PayPal account.

Install the app

• Download SurveyCow for Android devices here.

30. Paid Unlock

Paid Unlock pays you to display ads on your phone’s lock screen.

Install the app

• Download Paid Unlock for Android devices here.

31. Mr. Rebates

Mr. Rebates gives you between 8% and 10% cashback when you shop at the stores it features. There are more than 2,500 stores and brands on the app, like Dell, Macy’s and Walmart.

There’s a $10 reward available for signing up too.

Install the app

• Download Mr. Rebates for Android devices here.

32. AppKarma

AppKarma is an app that pays you to try out new apps. In addition to PayPal payments, you can also get your money on a gift card to retailers like Amazon, iTunes and Google Play.

Install the app

• Download AppKarma for Android devices here.

33. Fitplay

Fitplay recommends game apps to you, and if you try out these apps, you’ll earn points. Points can be redeemed for cash to your PayPal account or for gift cards for stores like Amazon and the Google Play store.

Install the app

• Download Fitplay for Android devices here.

34. EarnHoney

Complete easy tasks, such as participating in surveys, playing games or shopping online with EarnHoney. In return for completing tasks, you’ll earn points. You can redeem these points for money to your PayPal account, but also for gift cards to places like Amazon, eBay and Target.

Install the app

• Download EarnHoney for Android devices here.

35. Gift Hunter Club

Complete tasks, like trying out apps, completing offers and taking surveys and Gift Hunter Club will pay you.

Aside from PayPal payments, you can also get gift cards for Amazon, Xbox Live and iTunes.

Install the app

• Download Gift Hunter Club for Android devices here.

36. BeFrugal

BeFrugal is a cashback app that features more than 5,000 stores, including well-known stores, like Best Buy, Target and Walmart.

Aside from payments to your PayPal account, you can also get gift cards to places like Amazon.

Install the app

• Download BeFrugal for Android devices here.

37. Watch2Earn

Watch2Earn is an app that gives you points when you watch videos. You can get your earnings to your PayPal account or on gift cards.

Install the app

• Download Watch2Earn for Android devices here.

38. Rewardable TV

Rewardable TV gives you points for watching trending videos, movie trailers and gifs. You can then redeem your points for cash through PayPal.

Install the app

• Download Rewardable TV for Android devices here.

39. CreationsRewards

CreationsRewards gives you points for browsing websites, watching videos and taking surveys.

You can redeem your points for cash to your PayPal account. Also, gift cards for places like Amazon and Walmart are a redemption option.

There’s a $3 sign up bonus available too.

Install the app

• Download CreationsRewards for Android devices here.

40. GrabPoints

GrabPoints gives you points for doing things like downloading apps, completing offers, participating in surveys, and watching videos.

You can redeem your points for money to your PayPal account. Also, you can redeem your points for gift cards to places like Amazon and Walmart. You can get $5 just to sign up.

Install the app

• Download GrabPoints for Android devices here.

PayPal Money Earning Apps (High Paying Gig Apps)

The paying gig apps below pay you to do a tasks both offline, like visiting local businesses to provide your feedback, and online, such as data processing.

You can take on as many or as few tasks as you want to, making this a flexible way to make money.

41. EasyShift

• Download EasyShift for Android devices here.
• Download EasyShift for iOS devices here.

42. Gigwalk

• • Download Gigwalk for Android devices here.

• Download Gigwalk for iOS devices here.

43. Field Agent

• Download Field Agent for iOS devices here.
• Download Field Agent for Android devices here.

44. Spare5

• Download Spare5 for iOS devices here.

45. Clickworker

• Download Clickworker for iOS devices here.
• Download Clickworker for Android devices here.

Closing Thoughts

As you can see, there are plenty of apps to make money for PayPal. So if you’re looking for a quick and convenient way to get paid, give some of these money making apps a try.

What’s great about these apps is that they give you easy ways to earn PayPal money instantly (in some cases).

Playing games and taking surveys can be done anywhere, and these types of tasks don’t require you to block out huge chunks of time to complete them. Not to mention, with some of these apps, such as the lock screen apps, you literally don’t have to do anything to make money.

These apps won’t make you rich, but they do give you an easy way to make a little extra spending money! These truly are some of the best legitimate iPhone and Android apps that pay you through PayPal.

Does anyone carry cash anymore?

A recent study estimated 79 million adult Americans will use peer-to-peer payment services in 2019. This is an increase of 24 percent over last year, according to eMarketer, a market research company.

Why?

Because it’s never been easier, cheaper, and more efficient to send money online. Thanks to tons of free apps and minimal fees (if any!), these apps make it much easier than going to the bank to get cash.

Plus, it’s never been safer as companies make a huge effort and spend millions of dollars to protect your financial identity online. The best part though, is the convenience.

You don’t need to go to the bank’s ATM, try to avoid fees, break change at dinner, and worry about not having cash anymore.

12 Best Send Money Apps

Here’s everything you need to know about the best ways to send money, how to send it internationally, and some other best practices.

1. Apple Pay

Apple Pay may be the simplest way to send money if you use an iOS device.

Before you get started, you will need to add your debit card to your iOS device. You can quickly access those settings by going to Settings and then scrolling down to Wallet & Apple Pay inside any iOS device.

To request payment or send payment, simply create a text message for the person you are paying or requesting money from. Inside your text messages and right above the keyboard is a series of icons to choose from. Click on the one that has the Apple Pay logo. If you’re sending payment, you will need to enter in your password (fingerprint or retina scan) and the money will be sent instantly.

Note: This will only work with iOS devices.

2. Venmo

Venmo is a money transfer app that is actually owned by PayPal but operated separately. It’s more of a social sharing and payment platform than PayPal. This is my personal preferred method of sending money online.

One of the biggest perks is that it is 100% free if you send money from a bank account. If you choose to add a credit card and transfer money, there is a small fee as they have to deal with credit card processing fees. These fees are around 3% if you opt to use a credit or debit card.

All you need to send money is to make sure that both people download the app. Once you select an amount, type in what it’s for and push send.

The money will arrive instantly and can be transferred to your bank account within 2-3 business days. Plus, if you don’t have your app you can also pay with Venmo from their website.

Venmo is more of a social app than the others as you can see who is sending who money. But don’t worry, the amount of money you send isn’t displayed. If you don’t want others to see your activity make sure to log on to your profile and change these settings.

3. Google Wallet

Google Wallet is a very simple way to send money as the other person doesn’t even need to download the app. To get started sending money, log into your app and add your debit card or bank account information.

All you need is the email address or phone number to use the app to send money. As long as they have a Google account with a linked bank account or debit card, the other user can withdraw the funds. The max amount is $9,999 per transfer or $50,000 over a 5-day period.

A big plus with using Google Wallet is the amount of security you receive. As Google is one of the largest companies in the world, the security matches. Plus, if you somehow lose your phone you can disable and have the app removed from your phone from logging in online.

But, a major downside is that you aren’t able to pay using a credit card. Also, the bank transfers can up to 10 days!

4. Facebook Messenger

In Facebook’s attempt to take over the world, you can now use the social media sharing platform to transfer money not just mindlessly scroll through your newsfeed. They make it very simple to send money via the Messenger app.

All you need to do is download the app (if you haven’t already) and find the person you want to send money too. Hit the “$” sign in the chat and enter your debit card to complete the transaction. Once the other user receives the money they will also need to add a debit card to withdraw the funds.

As Facebook is worldwide, I was surprised to learn that you can only use this app to send money if you are both located in the United States. If you’re worried about safety, Facebook does allow you to add a pin and extra verifications once you add your debit card. The entire transfer process takes 1-3 business days.

Even though it’s a social media app don’t worry, your payment details aren’t displayed anywhere on your profile.

Note: Facebook messenger limits vary from country to country.

5. Square Cash

Square Cash is another app that allows you to send money to family and friends 100% free. You can use the app in two different ways. If the other person has a Square Cash account you can ask for their “cash tag” and do a money transfer. If you don’t have an account you can still pay by iMessage and Siri as well.

When you transfer money with Square Cash there is a service limit of $250 per week. But, if you go through the short verification you can increase your limit to $2,500!

The only real downside to using square cash is that you can’t use the service if you are outside the United States. Otherwise, it’s a very comparative payment option to Venmo.

If you run a business and want to use Square Cash they also have several options that allow you to use the app for payments.

6. Dwolla

Dwolla is a money sending app that allows you to transfer money from your bank account to others for a nominal fee. If the transfer is under $10 you won’t have any service fees and anything over is only .25 cents!

The max amount of money you can send from Dwolla is $5,000 for personal accounts and up to $10,000 for business accounts. All you need is the Dwolla ID of the other person/business, email, and phone number. If the other person doesn’t have an account yet it will prompt them to sign up for free.

Like Square Cash, Dwolla also has several business options to help you send money at a very minimal cost. You can receive higher limits, next day transfers, and better customer support. This is the best money sending app if you are wanting to use a money sending app for your business as well.

7. Zelle

Zelle is a great app to send money but you need to have an account with participating banks or signing up at clearxchange.com. They are becoming increasingly popular with the bigger banks joining clearxchange.

There are currently over 400 banking partners with Zelle.

Here are a few of the bigger participating banks:

• Chase Bank
• Wells Fargo
• U.S. Bank
• Capital One
• Ally Bank
• Bank of America

To send money all you will need is the recipient’s email or phone number. Check with your bank to learn how to sign up for Zelle today or register at clearxchange.com.

Note: Limits to send money via Zelle are created by your own bank or credit union. If you use Zelle outside of your bank, the send limit is $500 per week.

8. Popmoney

While not as common as the other apps above, Popmoney is another app that lets you send money online. Popmoney has partnered with numerous banks and credit unions to send and request money from your mobile banking app.

Here are the current limits for Popmoney:

You can send money to someone else who has Popmoney for free. Otherwise, it is only .95 cents to transfer the money.

9. PayPal

PayPal is one of the oldest and first apps to help send money both domestically and internationally as they are the preferred method of payment for eBay before being acquired by them.

If you have a personal PayPal account you can send money free as long as the other person has a personal account. While you can transfer from a business account, there a few more steps to open the account and transaction fees as well.

To send money, log on to the app or website and make sure you have the intended recipients phone number or email address. You can choose to send the money from your bank, debit card, or credit cards. If you use a PayPal balance or your bank account there are no transaction costs.

But if you choose to use a credit or debit card there is a 2.9% fee plus 30 cents. The fees are even higher when sending money abroad. Two major perks are the security and total amount (up to $10,000) to send money.

Plus, PayPal is on the send money apps on the list that allows you to send money internationally. Below are the most common ways to send money outside the United States.

Note: There is no limits on sending or receiving money via Paypal with a verified account (linking your bank account or credit card).

10. Walmart 2 Walmart Transfers

Walmart is a great place to shop and save money each month for your budget. Now you can also send cash! This is a cheaper option than using Western Union or Moneygram. Plus, it’s convenient as you might already be shopping there on a regular basis.

You can use their transfer service to send to other Walmart’s around the country. The maximum amount you can transfer is $2,500 and costs vary depending on transfer amount.

A potential downside is that not every Walmart does offer the transfer service although a majority do. Make sure to check their website to ensure your Walmart does offer the money sending service.

11. Cash

If you’re old-fashioned or sell some stuff as a side hustle and have extra cash, you can still pay the old school way. While I’ll never recommend sending cash in the mail, it’s still an option. If you do, make sure that the postage is insured just in case!

Otherwise, I recommending switching to one of these send money apps to increase your security and not waste time finding the closest ATM.

12. Bank Transfers

While it’s not an app like most of the others on this list, you can still use old-fashioned bank transfers to send money to friends or family if you have the same bank. If they bank at a different establishment there is almost always a transfer fee which can range depending on institutions and overall amount.

Transaction fees are the main reason I don’t recommend using bank transfer to send money as you can avoid it with most of these apps.

8 Ways to Send Money Internationally

The methods above making sending money easy, but when it comes to sending money internationally it’s not always as simple but still easier than it ever has been. It is more difficult because of higher regulations, fraud, and different banking operations.

Here are the best and cheapest ways to send money internationally.

1. PayPal

As I mentioned, PayPal is one of the most secure and best ways to send money online. When you use a bank account there is a very small processing fee and a higher fee if you choose to use a credit card as the form of payment.

Do Any Apps Pay You Real Money

Depending on where you are located it might even be cheaper to use a credit card instead of a bank account. Make sure to compare both before hitting send.

PayPal is very easy and very secure as it’s payment giant. But, there are some restrictions that don’t make it always the best experience. Depending on location and verification you can only send limited amounts of money.

If you try to do more or PayPal thinks it’s fraud, they can freeze your account and make it difficult to reopen. Usually, you will have to contact a call center and go through additional verification steps before sending money.

2. TransferWise

TransferWise is a U.K. company that allows you to send money internationally to select countries. The best part is that the fees are minimal and you only pay the actual exchange rates. Plus, the daily amounts are incredibly high compared with other platforms!

There is a $50,000 daily limit and $250,000 annually. If you do business internationally this is also a great option as you can send $250,000 daily and $1 million per year!

If you want to start download their mobile app today.

3. Western Union

Apps That Pay You Real Money To Your Bank Account Permanently

Western Union has been a way to send money internationally for decades and is the biggest money transfer company in the world. To send money you can go into one of their locations internationally, use their app or their website.

You can choose to use cash or a debit card to fund the money transfer and can be direct deposited or picked up by the recipient at a Western Union location. The delivery options make this one of the biggest perks along with low fees and a very small exchange rate markup.

The biggest downside of using Western Union is the costs and delivery time. The cheaper the transfer usually the longer it will take to be delivered.

4. OFX

OFX is very similar to Transferwise and doesn’t charge fees regardless of how much money you are sending! They make their money by taking a cut on the exchange rate for transfers.

They are also great if you are transferring a large sum of money as the minimum amount to transfer is $1,000. This is relatively high as others on the list have a minimum between $50-$100.

Another perk of using OFX to send money internationally is that you get a discount the more you use the service. If you are sending money abroad on a regular basis, this can help save you tons of money over time. Unlike Transferwise, they do not have daily limits and have incredible 24-hour support if you are having any issues.

Apps That Pay You Real Money To Your Bank Account Interest Rate

Get started with OFX today!

5. MoneyGram

MoneyGram is a large money sending platform that operates in over 200 countries and has 350,000 locations! They are the biggest competitor of Western Union and offer the ability to send money to other locations and have the money picked up almost instantly.

What’s the catch with using Moneygram?

The fees.

If you send between $200 and $1,000 the costs will range from $10-$25 and exchange rates can make it even worse. The average exchange rate adds another 1-6% on your transaction fees. This can add up if you are regularly sending money abroad!

6. Xoom

Xoom is the sister app of Venmo and also owned by PayPal. Think of them as the Venmo abroad.

While Xoom doesn’t service as many countries as Western Union or Moneygram, it does makeup in how fast the transfers happen. They still operate in 70 countries and allow you to send up to $25,000 to some countries.

You can choose to pay with credit card, debit card, or bank account and most transfers happen instantly.

The biggest downside?

High costs when using your debit or credit card. Depending on where you are located it can be a substantial amount.

If both parties are using bank accounts this is one of your best options! Make sure to check out their free online calculator to help you evaluate the fees before sending money abroad.

7. Wire Transfer With Your Bank

One of the easiest but not cheapest ways to send money online is a traditional wire transfer. You will have to deal with bank fees and depending on the bank, an exchange rate markup. The transaction can take a few days due to banking regulations and where the money is being transferred.

If you are transferring a large amount of money this is the option I would recommend. While it is more expensive it’s also much more secure.

Most Frequently Asked Questions About Sending Money Apps

What Apps Really Pay You Real Money

Here are some of the most commonly asked questions to help ease your financial concerns about sending money online.

How long will my transfers take to complete?

It depends on each of the apps and providers. Some will help you send or receive money faster than others. Generally, it will be between 1-3 business days while some take closer to 3-5 days. Remember that if you transfer money on a weekend or holiday it will take longer to complete the transaction due to banking regulations.

Is this safe to transfer money through an app?

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Yes, security is a major concern. Like anything online, there is always a small risk but these companies spend millions on advanced software and highly qualified engineers to ensure you are protected.

That being said, make sure to review your bank accounts and app usage to ensure there isn’t any charges you don’t recognize.

What are the main types of fees with these apps?

There are two main fees associated with sending money through apps or bank transfers. The first is the transfer fee which can be a percentage of the total amount, flat fee or a combination of both like PayPal.

The other fee is the exchange rate markup that only occurs if you are sending money internationally. These fees will differ from each app and depend a lot on the currency you are using.

Some companies, like OFX, don’t charge transfer fees but instead take a cut of the exchange rate markup. Make sure to double check these fees as different countries have very different costs associated with them.

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Final Thoughts on Best Sending Money Apps

As you can see, it’s never been cheaper and easier to send money to friends and family. Domestically there are plenty of options. I personally love Venmo but after researching this post other top recommendations include Apple Pay, Google Wallet, Zelle and PayPal. If you want to send money domestically and prefer a brick and mortar go with Western Union, Moneygram or Walmart.

When it comes to sending money internationally this might require a little more research on your end as fees can vary between different companies. My biggest piece of advice is to use the one that is the cheapest by making sure you are shopping around.

Lastly, try not to use credit cards for sending money as most of these charge higher fees than a debit card or bank account. Any extra money you can save the better!

What is your favorite sending money app for friends and families? Have you ever send money internationally with an app or were you worried about security?

Let us know in the comments!

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