Zelle, the digital payment platform that allows you to send money directly to friends and family, has shuttered its standalone app. But while the Zelle app is no longer, you can likely still send and receive money with Zelle through your bank or credit union—Zelle is already integrated into over 2,200 bank apps, and you can use this search tool to find out if yours is one of them.
Otherwise, you’ll have to send money using another tool. Here are four of the best Zelle alternatives for peer-to-peer payments.
Venmo
Venmo allows you to request money or pay other users and send up to $60,000 a week once you’ve verified your identity within the app. You can transfer funds in your Venmo account to your bank account for free if you’re willing to wait 1–3 days, or instantly for a 1.75% fee. Funds sent from from your Venmo balance or linked bank account/debit card are fee-free, while money sent using your credit card incur a 3% charge.
Note that you should update the default privacy settings on Venmo to ensure your transactions and account information aren’t publicly viewable.
Venmo is available for iOS, Android, and on the web.
PayPal
PayPal is a well-established digital payment service that is useful for sending and receiving money from friends and contacts as well as making purchases online. There’s no fee to send money via the “Friends and Family” function from a linked bank account or using your PayPal balance, and standard withdrawals are also free (like Venmo, instant transfers incur a 1.75% fee).
There are fees for international transactions and currency conversions, as well as personal transactions made with credit cards.
PayPal is available for iOS, Android, and on the web.
Cash App
Cash App is a peer-to-peer platform similar to Venmo. You can send money from a linked bank account or debit card to other Cash App users—if the recipient’s phone number or email isn’t linked to an account, they’ll be prompted to create one to claim the funds—for free. Standard transfers are also free, and instant transfers from Cash App to your bank incur a 0.5%–1.75% fee.
Cash App can also be used to send and receive bitcoin.
It’s available for iOS, Android, and on the web.
Apple Cash
Apple Cash is a built-in payment function for sending money to other iPhone users via Messages, Wallet, or Tap to Cash. Apple Cash is a digital card held in your Apple Wallet, and you can transfer funds out to your linked bank account (standard timing and free) or debit card (instant for a 1.5% fee). Apple Cash allows you to send or receive a maximum of $10,000 per message, with the same limit in a 7-day period. If you have an iPhone, you can pay someone using Apple Cash from within other apps, including Messages.
Apple Cash is integrated into iOS and available on the web.
How to protect your privacy with digital payments
The apps we’ve listed here have various privacy and security protections, like encryption and secure authentication, but peer-to-peer payment platforms are still targets for scammers. Make sure you only send funds to trusted contacts, and enable settings that keep your money safe, like identity verification and limiting who can see your account and request funds from you.
