What Is The Best Instant Money App To Use?

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One of the best ways to get access to your cash is to take advantage of instant money apps.

It’s a good idea not to use an instant money app just because the person on the giving or receiving end uses it. You can end up losing a lot of cash that way.

This article will show you what the best money apps are and how to choose.

What Is The Safest Instant Money App To Send Or Receive Cash?

The best money app is the safest money app. That’s why we’ve compiled a list that shows you the refund and cancellation policy of each of the popular mobile apps that allow you to transfer cash.

Let’s look at what they have to say as far as protection.

Payment App	App Payments Refund and Cancellation Policy	Google Play Store	App Store
Cash App	Cash App to Cash App payments are instant and usually can’t be canceled. The recipient can also refund your payment.	Android	IOS
PayPal	If you changed your mind on a purchase or made a mistake you can cancel the payment or ask your seller or merchant for a refund.	Android	iOS
Venmo	It is not possible to cancel a payment to an existing Venmo account. Once you send a payment, the funds are available to the recipient right away.	Android	iOS
Western Union	Refunds for transactions within the U.S. will be made within 45 days of receipt of Your valid written request	Android	iOS
Zelle	You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle.	Android	iOS

Cash App

Cash App is one of the most popular payment apps in the United States. Your Cash App balance is similar to a bank account except that it does not accrue interest.

Here’s what one reviewer says about Cash App:”I love this app! I have 4 kids and they borrow and pay me back. I sell a lot of items and use it for taking payments from my renters. It can categorize each person and the payments I’ve made to them & the payments I have received from them. I can pull up one person & look at the entire account. It allows you to state what the money is for so u can keep track of it. PayPal which is not free! I do not use now.”

PayPal

PayPal is mobile payment app that allows you to transfer money to and from most countries in the world. The app is known for its ease of use and amenities such as business accounts and credit integration.

Here’s what one reviewer says about PayPal:

“Every time you call an automated machine will answer you.. it takes a while just to get it right which is a complete waste of your time if you are busy person or run a business. if they can’t get the help you need it the automated so will automatically disconnect you automatically.”

Venmo

The Venmo app is one of the most popular in America, especially among young people. The interface is easy to use and the app works smoothly.

Here’s what one reviewer says about Venmo: “Despite some of the bad reviews that I’ve read, I actually have had nothing but great experiences with Venmo! I started my account to only use it to send rent money to my landlord but then I said to myself let me try the debit card out, which is also awesome! I literally had no money to eat on at work for lunch and payday was one day away so I swiped my Venmo debit card just to see if it would work & it did! I looked in the app, so basically Venmo will take from your bank account in inclements of $10 even if your bank doesn’t have any money in it, which I love! “

Western Union

Western Union is the only money transfer service in the United States, but it has been largely foreshadowed by Silicon Valley’s tech techs. Still, if you want reliable service, Western Union’s name is internationally known and respected.

Here’s what one reviewer says about Western Union’s app: “It limits you by how many times you send a month but not by dollar amount. that is the dumbest thing I’ve ever heard. The reason why I say this is the dumbest thing? they say it is to stop money laundering money”

Zelle

Zelle is a mobile payment owned by Early Warning Services, LLC, a private financial services company owned by a cabal of major banks, including Bank of America, BB&T, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank and Wells.

Here’s what one reviewer says about Zelle: “I have Zelle, however, it does not keep track of how much Is paid or received. You can not pull up an individual to see all the transactions for the one person.”

Which Is Better: Cash App Or PayPal?

PayPal has become known for its reliable service and many functionalities, including credit card integration and business accounts. If you’re looking to do several things at once, PayPal is the clear choice.

On the other hand, if you want a money app that’s simple to use, it’s hard to be Cash App. The payment system, made by Square, prides itself on allowing straight-forward transactions that take only seconds to complete.

Which Is Better: Zelle Or Venmo?

Zelle is known for its fast transactions, which are facilitated by the major banks. Venmo, on the other hand, could take anywhere from one to three business days unless you agree to a fee.

For that reason alone, many people prefer Zelle.

Final Word

When it comes to sending and receiving money on your mobile phone, it’s easier than ever today. But you need to choose the right payment apps for the best experience.

No matter which money app you use, you should watch out for scams. If you ever get a message or money request from someone you don’t know, don’t do it.

If you get a money request from someone you do know but is not in your contacts, it’s best to call the person beforehand to confirm that they sent the request.

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Keisha Smith

Keisha Smith is a Contributing Writer who attended college at Southern University A&M College in Baton Rouge. She is currently writing a book on south Louisiana culture.