Cash App is a leading peer-to-peer (P2P) payment app in the US, known for instant transfers via $cashtags, phone numbers, or emails. However, its limited international capabilities and fees for ATM withdrawals or expedited transfers may prompt users to explore alternatives. This guide covers the 8 best apps like Cash App, highlighting their features, fees, and ideal use cases.
🔍 Top 8 Cash App Alternatives
| App | Key Features | Best For |
|--------------|---------------------------------------|-----------------------------------|
| Wise | Low-cost international transfers, multi-currency account, debit card | Global payments, freelancers |
| PayPal | Wide acceptance, international transfers | Online shopping, freelancing |
| Google Pay | Mobile wallet, domestic P2P payments | Contactless/US payments |
| Venmo | Social features, US-only transfers | Splitting bills, social payments |
| Zelle | Instant bank-to-bank transfers (US) | Quick domestic transfers |
| Revolut | Multi-currency accounts, budgeting | Travelers, expats |
| Payoneer | Business payments, global receiving | Freelancers, e-commerce sellers |
| Xoom | Cash pickups abroad (PayPal-owned) | Remittances, unbanked recipients |
👉 Compare fees and speeds for international transfers
🏆 Detailed Breakdown of Cash App Alternatives
1. Wise
Best for international transfers
- Mid-market exchange rates with transparent fees.
- Hold 50+ currencies, receive like a local in 30+ countries.
- Wise Multi-Currency Card for fee-free spending abroad.
👉 Open a Wise Account for free
2. PayPal
Best for online payments
- Send/receive funds globally (5% fee on international transfers).
- Integrates with merchants worldwide.
- Drawback: High currency conversion costs.
3. Google Pay
Best for mobile wallets
- Link cards for contactless/US P2P payments.
- Limited international options (requires third-party apps like Wise).
4. Venmo
Best for social payments
- Fun social feed for payments/comments.
- US-only; no international support.
5. Zelle
Best for instant US bank transfers
- Embedded in many US banking apps.
- No fees, but requires a US bank account.
6. Revolut
Best for travelers
- Exchange 28 currencies, budgeting tools.
- Fee-free spending in 140+ countries.
7. Payoneer
Best for businesses
- Receive payments from marketplaces (e.g., Amazon, Upwork).
- Local receiving accounts in 100+ currencies.
8. Xoom
Best for cash remittances
- PayPal’s international arm for cash pickups.
- Fast but expensive with exchange markups.
❓ FAQ: Cash App Alternatives
Q: What’s the best alternative to Cash App for international transfers?
A: Wise offers low fees, real exchange rates, and fast transfers to 80+ countries.
Q: Are there fee-free P2P apps like Cash App?
A: Zelle (US) and Venmo (bank transfers) offer free domestic transfers.
Q: Which app is safest for money transfers?
A: Apps like Wise (4.4/5 on TrustPilot) and PayPal are heavily regulated and secure.
👉 Explore Wise’s secure transfers
✅ Bottom Line
Choose based on your needs:
- Domestic US payments: Venmo, Zelle.
- Global transfers: Wise, Xoom.
- Business/freelancing: Payoneer, Revolut.
For low-cost international payments, Wise stands out with transparent pricing and speedy delivery.
All fees and features verified as of June 2024. Always check providers’ latest terms.