Best Peer-to-Peer Payment Apps in 2026
Updated
In short: Settle Up is ranked #1 of 24 as of 4 October 2026, ahead of Wise and Lydia. The best-ranked option with a free plan is Wise. The lowest first paid tier on this page is Vipps at NOK 300/mo.
For sending money between people, requesting payments, or dividing shared costs, compare peer-to-peer payment apps by their transfer terms and payment tools. The ranking begins with BHIM, PhonePe, and Venmo, with PicPay and MobilePay also among the early entries. Check daily send limits, cash-out fee models, and whether instant or international transfers are listed. Payment requests and split payments may be useful for collecting money or settling shared expenses. The comparison also includes whether an app has a free plan and its paid-from price. Review the listed details to see how each option aligns with the kinds of payments you expect to make.
24 peer-to-peer payment apps ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Recognised 40% · Phone app 26% · Documented 20% · Free plan 14% of the score
- 1 Settle Up iPhone + Android RecognisedPhone appDocumentedFree plan 7.9Free Split payments: YesInstant transfer: Yes
- 2 Wise iPhone + Android RecognisedPhone appDocumentedFree plan 7.9Free
- 3 Lydia iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free Split payments: YesPayment requests: YesInstant transfer: Yes
- 4 MobilePay iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free Split payments: YesPayment requests: YesInstant transfer: Yes
- 5 PhonePe iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free
- 6 Remitly iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free
- 7 Splitwise iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free Split payments: YesPayment requests: Yes
- 8 Venmo iPhone + Android RecognisedPhone appDocumentedFree plan 7.8Free
- 9 BHIM iPhone + Android RecognisedPhone appDocumentedFree plan 7.7Free Split payments: YesPayment requests: YesInstant transfer: Yes
- 10 tricount iPhone + Android RecognisedPhone appDocumentedFree plan 7.7Free Split payments: YesPayment requests: YesInstant transfer: Yes
- 11 Cash App Taxes iPhone + Android RecognisedPhone appDocumentedFree plan 7.5Free
- 12 Vipps iPhone + Android RecognisedPhone appDocumentedFree plan 7.3NOK 300/mo Split payments: YesPayment requests: YesInstant transfer: Yes
- 13 PayPay iPhone + Android RecognisedPhone appDocumentedFree plan 6.9
- 14 PicPay iPhone + Android RecognisedPhone appDocumentedFree plan 6.9
- 15 WorldRemit iPhone + Android RecognisedPhone appDocumentedFree plan 6.9
- 16 Zelle iPhone + Android RecognisedPhone appDocumentedFree plan 6.9
- 17 Airtel Money iPhone + Android RecognisedPhone appDocumentedFree plan 6.8
- 18 OPay iPhone + Android RecognisedPhone appDocumentedFree plan 6.8 Payment requests: YesInstant transfer: Yes
- 19 PalmPay iPhone + Android RecognisedPhone appDocumentedFree plan 6.8 Split payments: YesInstant transfer: Yes
- 20 Paysend iPhone + Android RecognisedPhone appDocumentedFree plan 6.8
- 21 Taptap Send iPhone + Android RecognisedPhone appDocumentedFree plan 6.8
- 22 Xoom iPhone + Android RecognisedPhone appDocumentedFree plan 6.8
- 23 M-PESA iPhone + Android RecognisedPhone appDocumentedFree plan 6.7
- 24 MoneyGram iPhone + Android RecognisedPhone appDocumentedFree plan 6.7
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which peer-to-peer payment app is ranked first on Samsung Mobile US Press?
Settle Up is ranked #1 of 24 with a score of 7.9. Wise is second and Lydia third.
How many of these have a free plan?
11 of the 24 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Vipps has the lowest first paid tier we found: NOK 300/mo.
How is this list ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.