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Easily settle your debts with these 9 money sending applications

We’ve all been there. You’re out to dinner with a group of friends, the check for the meal arrives, and to make things easier on the waitress, you put the whole tab on your credit card. While everyone agrees to pay you back “as soon as possible,” you realize a month later that  you’ve seen nary a dime from your friends.

While we don’t blame you for wanting to send Italian mobsters to your friends’ homes to get your money back, there exists a far easier way to recoup your funds. In fact, all you need is access to an iOS, Android, or Windows-powered smartphone, and you won’t even need to go through the trouble of calling your pal Vito.

Related: Snapchat’s ‘Snapcash’ lets you send money to friends via the app

Though, when it comes to applications involving money, there’s no doubt that there’s wide-reaching skepticism about security. It’s apparent the globe is in no shortage of data and information breaches, so it’s incredibly easy to understand this fear. To help ease some of your doubts, and weed out potential frauds, we’ve found the absolute best ways to send and receive money via a smartphone. So no matter if you need to split a dinner tab, or have finally gotten around to paying your fantasy football dues, here are the nine best applications for settling your debts.

The Best

Venmo (iOS | Google Play | Windows Phone)


More than just a new popular verb — Venmo me! — this app makes it incredibly easy to send and receive money from family and friends. Any payments made from your Venmo balance, most debit cards, or a bank account, cost nothing to execute, and Venmo charges just a 3 percent fee for credit cards. It boasts a “bank-grade” security system, so you won’t have to worry about any shady hackers getting ahold of your financial information, either.

The Rest

PayPal (iOS | Google Play | Windows Phone)


Venmo before Venmo existed, PayPal is one of the oldest money transfer applications available. Though receiving and sending funds takes a while longer, PayPal does offer the ability to use it to pay for purchases at various establishments.

Google Wallet (iOS | Google Play)


Like a digital wallet in the palm of your hand, Google Wallet makes it easy to send and receive money to friends within the U.S. The app also allows users to pay with Google Wallet at any retail store that accepts tap-to-pay, or Debit Mastercards.

Square Cash (iOS | Google Play | Windows Phone)


With just a simple link of your debit card, Square Cash allows you to quickly send, receive, or request money from friends and family. Perhaps its most useful feature is how quick money deposits into your bank account once a transaction is complete.

Chase QuickPay (iOS | Google Play | Windows Phone)


Though Chase customers have access to a slew of banking options within Chase’s smartphone application, non-customers with valid email addresses also have the ability to send and receive money using the bank’s QuickPay feature.

Snapcash via Snapchat (iOS | Google Play)


After a recent partnership with Square Cash, Snapchat now gives its users the ability to easily send money to anyone 18 and older. By entering the money ($) sign, followed by a numeric value, Snapchat sends money directly from your debit card or bank account.

Western Union (iOS | Google Play)


Not only does the Western Union app allow you to transfer money among friends and family, but it grants you the ability to send it to over 200 countries and territories. It also lets you know how much your money transfers should cost, and provides all Western Union branch listings.

Xoom Money Transfer (iOS | Google Play | Windows Phone)


Like Western Union, Xoom allows users to send and receive money all over the globe. The app also features low transfer fees, locked-in exchange rates, status updates, and push notifications of any sent or received money.

Bank of America (iOS | Google Play | Windows Phone)


Bank of America’s smartphone application not only cuts down on the amount of time you need to spend at a branch, but allows you to securely send and receive money to anyone (non-customers, too) via a phone number or email address.

[Header image courtesy of: Shutterstock/Denys Prykhodov]