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Best Peer-to-Peer Payment Apps in 2026

Peer-to-peer payment apps help you send money, request it from others, or settle shared expenses. Compare the listed cash-out fee model and daily send limit with whether instant or international transfers are available; payment requests and split payments may matter if you regularly collect or divide costs. The comparison also covers free-plan availability and what an app is paid from. Settle Up and Splitwise are names to consider when shared expenses are central, while Wise is another entry to compare for its listed transfer details. Check the terms that match the payments you expect to make, since limits, fees, and transfer options can shape which app fits your needs.

  1. 1

    Cash App Taxes

    Free plan AndroidAPIiPhone+1

    Cash App Taxes includes federal and state filing plus support for self-employment and investment income at no charge under its listed plan.

    7.6 Free plan Visit site
  2. 2

    Airtel Money

    by Airtel Money
    Free plan AndroidiPhone

    Choose Airtel Money if you want a free wallet for recharges, bill payments, UPI, and merchant purchases, particularly alongside Airtel services.

    7.4 Free plan Visit site
  3. 3

    BHIM

    by BHIM
    Free plan AndroidiPhone

    BHIM covers direct bank payments, payment requests, and a range of bill categories on Android and iOS.

    7.4 Free plan Visit site
  4. 4

    Lydia

    by Lydia
    Free plan AndroidiPhone

    Lydia provides person-to-person transfers, mobile wallet functions, and money pots for private events.

    7.3 Free plan Visit site
  5. 5

    MobilePay

    Free plan AndroidiPhone

    MobilePay covers personal transfers, shared expenses, collections, and merchant payments in one app.

    7.3 Free plan Visit site
  6. 6

    OPay

    Free plan AndroidAPIiPhone

    OPay brings personal financial services and merchant payment integrations into one platform focused on Nigeria. Transfer restrictions apply, so check the app for current terms.

    7.3 Free plan Visit site
  7. 7

    Settle Up

    by Settle Up
    Free plan AndroidAPIiPhone+3

    Settle Up covers flexible group expense tracking, offline use and multiple settlement options.

    7.2 Free plan Visit site
  8. 8

    Splitwise

    by Splitwise
    Free plan AndroidAPIiPhone+1

    Splitwise covers shared spending from expense entry through group balance calculation, with offline access and a free plan that includes unlimited expenses.

    7.2 Free plan Visit site
  9. 9

    PalmPay

    Free plan AndroidAPIiPhone+1

    Choose PalmPay if you want an app for transfers and everyday payments, or a business platform with payment tools and APIs.

    7.1 Free plan Visit site
  10. 10

    PayPay

    by PayPay
    Free plan AndroidiPhone

    Pick PayPay if you want a free-to-register smartphone payment app with store payments, balance transfers, and additional bill and delivery functions.

    7.1 Free plan Visit site
  11. 11

    PicPay

    by PicPay
    Free plan AndroidiPhoneWeb

    PicPay offers account, payment, and other financial services for consumers and businesses, with free listed account plans and support for instant transfers.

    7.1 Free plan Visit site
  12. 12

    PhonePe

    by PhonePe
    Free plan AndroidiPhone

    PhonePe combines consumer payments and related services with options for merchant payment acceptance. Its consumer app is free, while Enterprise gateway pricing is custom.

    7.0 Free plan Visit site
  13. 13

    Remitly

    by Remitly
    Free plan AndroidiPhone

    Remitly offers multiple ways to fund and receive international transfers, with pricing shown before sending and tracking after.

    6.9 From $0 Visit site
  14. 14

    Venmo

    by Venmo
    Free plan AndroidiPhoneWeb

    Venmo combines personal payments and business payment options, with group expense splitting and scheduled transfers. Check the U.S.

    6.9 Free plan Visit site
  15. 15

    Vipps

    Free plan AndroidAPIiPhone

    Vipps combines personal payments with a range of business payment options. Check the listed business charges and market availability against your needs.

    6.9 Free plan Visit site
  16. 16

    Wise

    by Wise
    Free plan AndroidiPhoneWeb

    Wise offers international transfers with upfront fee display, rate alerts, and transfer scheduling. Sign-up is free, but sending and conversion fees vary by currency and start from 0.33%.

    6.9 Free plan Visit site
  17. 17

    Taptap Send

    by Taptap Send
    Free plan AndroidiPhone

    Taptap Send offers several payout methods and displays transfer costs and the recipient’s amount before confirmation. Check route availability, fees and applicable limits in the app before sending.

    6.8 Visit site
  18. 18

    tricount

    Free plan AndroidiPhone

    Choose tricount if your group wants a free shared expense list, flexible splits, and payment requests. Its offline entry and multi-currency totals are useful for trips.

    6.8 Free plan Visit site
  19. 19

    Zelle

    by Zelle
    Free plan AndroidiPhoneWeb

    Zelle provides money transfers through participating banks and credit unions, with consumer use typically free. Users should consider the U.S.

    6.8 Free plan Visit site
  20. 20

    Paysend

    by Paysend
    Paid AndroidAPIiPhone+1

    Paysend supports international transfers through several payout methods, with timing that varies by delivery type.

    5.8 Visit site
  21. 21

    M-PESA

    by M-PESA
    Paid AndroidiPhone

    M-PESA covers everyday mobile money, merchant payments, banking transfers, and international transactions through several channels.

    5.6 Visit site
  22. 22

    MoneyGram

    by MoneyGram
    Paid AndroidiPhoneWeb

    MoneyGram offers multiple recipient delivery methods, saved recipients, and transfer tracking.

    5.5 Visit site
  23. 23

    WorldRemit

    by WorldRemit
    Paid AndroidiPhoneWeb

    WorldRemit offers multiple transfer and payout methods, with costs displayed before payment and app tools for tracking and repeat transfers.

    4.9 Visit site
  24. 24

    Xoom

    by Xoom
    Paid AndroidiPhoneWeb

    Xoom combines international money transfers with bill payment and prepaid mobile reloads.

    4.9 Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

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