Settle Up
by Settle UpSettle Up suits groups sharing expenses, including travelers, flatmates, couples, event organizers, and friends.
Free plan Free trial AndroidiPhone & iPadWebWindowsMacAPI
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Best Peer-to-Peer Payment Apps 2026
Facts read 28 Sep 2026 – 15 Oct 2026
Paying someone back, collecting money or sharing a bill can involve different transfer needs. Compared on daily send limits, cash-out fee models, instant and international transfers, these apps give you details to weigh before choosing how to send or receive money. Payment requests and split payments can matter when you are collecting from others or settling shared costs. PhonePe, BHIM and Venmo are among the entries to consider. Check the listed free-plan availability and paid-from details as well, and compare the limits and transfer options with the kinds of payments you expect to make.
The standings: top 10
| Name | In a line | Record score | Price from | Try it free | Runs on | Facts read |
|---|---|---|---|---|---|---|
| 01 Settle Up | Settle Up suits groups sharing expenses, including travelers, flatmates, couples, event organizers, and friends. | 6.4 | Free plan | Free plan | Android, iPhone & iPad, Web, Windows | 14 Oct 2026 |
| 02 Splitwise | Splitwise suits people sharing household, family, friend, or trip costs who want to track balances and divide expenses in different ways. | 6.0 | Free plan | Free plan | Android, iPhone & iPad, Web, API | 15 Oct 2026 |
| 03 Vipps | 5.5 | 300 NOK a month | Free plan | Android, iPhone & iPad, API | 2 Oct 2026 | |
| 04 Cash App Taxes | It suits people seeking self-service federal and state filing with support for self-employment or investment income. | 5.3 | Free plan | Free plan | Android, iPhone & iPad, Web, API | 15 Oct 2026 |
| 05 PicPay | PicPay may suit individuals seeking an account and payment features, or businesses looking for payment acceptance tools. | 5.2 | Free plan | Free plan | Android, iPhone & iPad, Web | 7 Oct 2026 |
| 06 Venmo | Venmo suits people who want to send money, split group expenses, or pay businesses from Android, iOS, or the web. | 5.2 | Free plan | Free plan | Android, iPhone & iPad, Web | 4 Oct 2026 |
| 07 PayPay | PayPay suits people wanting mobile payments, peer transfers, bill payments, and related financial functions on Android or iOS. | 5.0 | $1,980 a month | Free plan | Android, iPhone & iPad | 8 Oct 2026 |
| 08 Remitly | Remitly suits people sending money internationally who want to see the exchange rate, fees, and total before sending. | 5.0 | $2.99 one-time | Free plan | Android, iPhone & iPad | 28 Sep 2026 |
| 09 Zelle | Zelle suits people with eligible U.S. | 5.0 | Free plan | Free plan | Android, iPhone & iPad, Web | 7 Oct 2026 |
| 10 Lydia | Lydia suits people who want to send money to contacts, manage a wallet, or collect contributions for private events. | 4.9 | Free plan | Free plan | Android, iPhone & iPad | 29 Sep 2026 |
02
Splitwise
Splitwise suits people sharing household, family, friend, or trip costs who want to track balances and divide expenses in different ways.
AndroidiPhone & iPadWeb+1 Record6.0 Visit
03
Vipps
AndroidiPhone & iPadAPI Record5.5 Visit
04
Cash App Taxes
It suits people seeking self-service federal and state filing with support for self-employment or investment income.
AndroidiPhone & iPadWeb+1 Record5.3 Visit
05
PicPay
PicPay may suit individuals seeking an account and payment features, or businesses looking for payment acceptance tools.
AndroidiPhone & iPadWeb Record5.2 Visit
6
Venmo
AndroidiPhone & iPadWeb Free plan Record5.2 Visit Venmo suits people who want to send money, split group expenses, or pay businesses from Android, iOS, or the web.
7
PayPay
AndroidiPhone & iPad $1,980 a month Record5.0 Visit PayPay suits people wanting mobile payments, peer transfers, bill payments, and related financial functions on Android or iOS.
8
Remitly
AndroidiPhone & iPad $2.99 one-time Record5.0 Visit Remitly suits people sending money internationally who want to see the exchange rate, fees, and total before sending.
10
Lydia
AndroidiPhone & iPad Free plan Record4.9 Visit Lydia suits people who want to send money to contacts, manage a wallet, or collect contributions for private events.
11
Wise
AndroidiPhone & iPadWeb Free plan Record4.9 Visit Wise may suit people who need to send money internationally, receive payments from abroad, or monitor exchange rates.
12
Airtel Money
AndroidiPhone & iPad Free plan Record4.8 Visit It suits Airtel service customers who want mobile payments, recharges, bill management, UPI transfers, and wallet features on Android or iOS.
13
BHIM
AndroidiPhone & iPad Free plan Record4.8 Visit BHIM suits people with a bank account, a mobile number registered with the bank, and a linked debit card who want UPI payments or bill payment options.
14
MobilePay
AndroidiPhone & iPad Free plan Record4.8 Visit MobilePay suits people who want to send or request money, split group expenses, or pay businesses on a phone.
15
OPay
AndroidiPhone & iPadAPI Free plan Record4.8 Visit OPay suits users in Nigeria looking for account, transfer, bill-payment, card, and savings services.
16
PhonePe
AndroidiPhone & iPad Free plan Record4.8 Visit PhonePe suits people seeking mobile payments, bill payments, and recharges in one app.
17
Taptap Send
AndroidiPhone & iPad Free plan Record4.8 Visit Taptap Send is for people sending money to friends and family in supported destinations, including diaspora communities sending funds back home.
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