6 Best Cash App Alternatives for 2023: Handpicked List ✅

4.6/5 - (30 votes)

Looking for Cash App alternatives? Check out this guide for a shortlist of the best candidates. 

Best Cash App Alternatives for 2023 include 1. PayPal 2. Venmo 3. Zelle 4. Facebook Pay 5. Google Pay 6. Apple Pay 7. Payoneer 8. Braintree 10. Stripe 11. 2Checkout 12. Wise 13. Razorpay 14. Quickbooks 15. Payza 16. Neteller.

Cash App is a mobile online payment portal that lets you transfer money and keep a digital balance. 

However, Cash App has its own set of limitations. For instance, it doesn’t support credit cards. Not to mention, you can’t use it to split expenses.

So, if you’re searching for the best Cash App alternatives, stick around as we uncover them!

At a Glance, here are alternatives to Cash App:

  1. PayPal – Best Overall
  2. Venmo – Best for Family and Close Friends
  3. Zelle – Best for Bank Integration
  4. Facebook Pay – Best for Social Media
  5. Google Pay – Best for Google Accounts
  6. Apple Pay – Best for Apple Users
  7. Payoneer
  8. Braintree
  9. Stripe
  10. 2Checkout
  11. Wise
  12. Razorpay
  13. Quickbooks
  14. Payza
  15. Neteller.

Read: Does eBay Accept Cash App? 

Cash App Alternatives

The Best 6 Cash App Alternatives in 2023

Let’s have an in-depth look at our list of the best 6 Cash App alternatives.

1. PayPal – Best Overall

PayPal is one of the most popular online payment portals in the world. It has a digital wallet and offers seamless bank account/card integration.

You can send and receive money to and from any valid US bank account and a wide range of foreign ones.

And while PayPal imposes fees on currency conversion and transferring money from a credit card, you don’t have to pay anything when sending money to family and friends. 

What We Like:

  • Very safe
  • Includes a digital wallet
  • Free transfers to family and friends

What We Don’t Like:

  • High currency conversion fees

2. Venmo – Best for Family and Close Friends

With Venmo, you can buy stuff and transfer money to and from your family and friends.

The app is available for iOS and Android, and linking your bank account or card is as easy as it gets.

Venmo is one of the most preferred solutions for small and medium-sized businesses. On top of that, Venmo allows you to send and receive bitcoins, making it an excellent option for crypto investors. 

Plus, using Venmo is free, but you’ll be charged a 1% fee if you do an instant transfer. However, since this is its strongest selling point, the fee is fair enough. 

It’s also worth noting that Venmo is super safe to use because of its robust encryption. 

What We Like:

  • Available on iOS and Android
  • Free payments
  • Instant transfers
  • Excellent encryption

What We Don’t Like:

  • Instant transfer fees

3. Zelle – Best for Bank Integration

Zelle is one of the most convenient Cash App alternatives out there. All you need is a valid email and phone number to start making transactions in just a few minutes. 

You can either transfer money to and from bank accounts or other Zelle accounts. 

Using the app is completely free as Zelle doesn’t impose any hidden fees or charges on making transactions. Zelle is also compatible with iOS and Android. 

The only downside is that Zelle doesn’t support credit card transactions. Also, keep in mind that it only works with US bank accounts. 

What We Like:

  • Available on iOS and Android
  • Easy setup
  • Free to use

What We Don’t Like:

  • Doesn’t support credit cards
  • US bank accounts only

4. Facebook Pay – Best for Social Media

One of the most significant advantages of Facebook Pay is that it requires no setup. If you’re already a Facebook user, then you’ve already done most of the work needed to use Facebook Pay.

With this app, you can make payments, buy items from Facebook’s marketplace, and transfer money to and from your friends and family quickly and securely. 

Plus, the app is available on iOS and Android.

What We Like:

  • Easy to set up and use
  • Available on most platforms
  • Excellent integration with Facebook services

What We Don’t Like:

  • General privacy concerns
  • Limited functions
  • No wallet

5. Google Pay – Best for Google Accounts

Google Pay lets you send, receive, and request money by linking your bank account. Plus, you can use it to buy things online conveniently. 

The app is also quite handy for smartwatch owners since you can use it to pay with NFC. 

What’s more, Google Pay allows you to split expenses with friends or partners. And while Google Pay is only supported in a selected number of countries, expansion is expected in the near future.

Security is another area where Google Pay shines because of its robust encryption that’s implemented by the search giant.

What We Like:

  • High security
  • Smartwatch integration
  • Supports expenses splitting

What We Don’t Like:

  • Limited worldwide support

6. Apple Pay – Best for Apple Users

Apple Pay is probably the most secure way to make your online payments, at least if you’re so invested in the Apple ecosystem. It allows you to request money transfers through iMessage, which can be pretty handy.

And while its credit card transfer fees are a bit high, the superb security makes up for it. However, there aren’t any fees associated with making a transaction with a debit card or bank account. 

What We Like:

  • Very secure
  • Free bank account or debit card transactions
  • iMessage money transfers

What We Don’t Like:

  • High credit card transfer fees
  • Supports Apple devices only

Choosing the Right Cash App Alternative for Your Needs

Security is probably the top priority for many mobile payment apps’ users. So, consider searching for each app’s fraud, data leaks, and scam history among users to get an idea about how safe it is.

You also need to ask yourself what you’ll be using the app for most of the time. For example, is it to send money to friends or family or make online purchases? Do you need to link a debit or credit card? 

Oh, and also keep in mind that fees vary from one app to another. 

Are Mobile Payment Apps Safe?

Yes, mobile payment apps are generally considered safe, but you still need to be careful when making payments to people you don’t know. You should also buy items through legit e-commerce stores only.

Final Verdict

There’s no one-size-fits-all when deciding on a Cash App alternative. It depends on what you intend to do with the app and what your needs are.

For Apple users, Apple Pay seems like a pretty solid choice, but if you want universal compatibility, PayPal is the way to go. 

Zelle is a nice option, too, but only if you live in the US.

Laurens Yarpei

Hi! I'm Laurens Yarpei, your go-to fintech expert with a passion for Cash App. Laurens graduated from the Adelphi University and the website has been Featured in Tribune, Republic World, Guardian NG, Zee News, Outlook, reaching financial independence at the age of 20s. He writes about personal finance, P2P Apps, investing, entrepreneurship, and mindfulness. Twitter, Facebook, YouTube , Pinterest. Linkedin

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