移动支付应用程序让(payment apps let)您可以通过手机向任何人汇款。大多数银行已经包含汇款功能，但专用移动支付应用程序(payment apps)的不同之处在于，您无需开设完整的银行账户(bank account)即可使用它们。另外，您可能已经在手机上安装了该应用程序！
大多数适用于Android和 iOS 的(Android)支付应用程序(payment apps)都可以在几秒钟内完成设置，因为它们只需要您的借记卡号(debit card number)。其他人可能会使用您的银行路由号码和帐号(number and account number)，但无论哪种方式，您都可以完全控制哪些银行用于发送和接收资金。
最重要的是，这些应用程序的大部分功能都是 100% 免费的，而且几乎所有应用程序都是零费用。每个服务都有一些限制，但它们不足以阻止大多数人使用它们。
现金应用
Cash App是更易于使用的免费汇款应用程序(money transfer apps)之一。只需(Just)将您的借记卡(debit card)添加到您的帐户，即可在几秒钟内向人们汇款，它会立即显示在他们的帐户中。要求钱也同样容易。
Cash App的真正妙处在于您获得了一个独特的用户名，称为 $ Cashtag，任何拥有该应用程序的人都可以使用该用户名向您汇款。您甚至可以获得自己独特的网站（更像是一个简单的个人资料），用户可以通过计算机访问该网站并直接向您汇款，而无需透露您的任何个人信息。
一旦您的Cash App 账户(Cash App account)中有钱，您可以将其保留在那里并通过随附的借记卡(debit card)免费使用，该借记卡也是免费的，甚至支持现金返还功能。或者，您可以通过帐号/路由号码将您的 Cash App 资金转移到您自己的银行。
您还可以使用Cash App购买(Cash App)比特币(Bitcoin)。每周比特币购买(Bitcoin purchase)限额为 10,000 美元，虽然这对大多数人来说可能是一个延伸，但很高兴知道如果你得到了
加密货币(crypto itch)的选择，那就是存在的选择。
现金应用限额(Cash
App Limits)：
- 7 天内：250 美元，之后您必须验证您的社会安全号码(security number)和其他个人信息才能将限额提高到 2,500 美元/周
- 每周提现：25,000 美元
- ATM取款：250美元/交易，250美元/24小时，1000美元/周，1250美元/月
- 即时提款到银行时的费用(Fee)（基于金额）；需要几天的标准提款不收取任何费用
您可以从他们的网站(from their website)或通过Android或iOS应用程序使用 Cash App 。
谷歌支付
Google Pay是谷歌在移动(Google Pay)支付市场(payment market)的尝试，他们做得不错。该服务曾经提供借记卡(debit card)，但目前只能通过网站或应用程序(website or app)在线运行，但如果您打算将其用于大额付款，它的限制非常高。
我们喜欢Google Pay的一点是，它可以在您的Google 帐户(Google account)中保存现金，这样您就可以决定将多少钱存入您的银行帐户（如果您有多个帐户）。或者，您可以选择一个
默认账户(default account)，这样任何寄给您的钱都会立即进入您的银行（通常是立即(immediately)）。
当您通过选择联系人或输入他们的电子邮件/电话向某人进行新的付款时，您可以完全控制资金来自哪个帐户：银行、借记卡或您的 Google Pay 余额(Pay balance)。您还可以在交易中添加备忘录以便于记录保存。
您可以通过 Google Pay 汇款和收款，甚至可以注册提醒，以便在需要再次汇款/收款时收到提醒（例如租金、工作等）。
谷歌支付限额(Google
Pay Limits)：
- 单笔交易：最高 10,000 美元
- 7 天内：最高 10,00 美元
- 佛罗里达州(Florida)居民：每 24 小时最高 3,000 美元
- 超过 2,500 美元的交易：收款人必须添加一个银行账户(bank account)才能取款
Google Pay 可以在网络浏览器中在线(online in a web browser)使用，也可以通过Android或iOS移动设备在线使用。
贝宝
PayPal已经存在了很长时间，但它仍然是您可以下载的更好的移动支付应用程序之一。它可以让您向世界各地汇款，就像Cash App一样，还可以让您获得免费的PayPal 借记(PayPal debit)卡。
不幸的是，这些费用有点让人难以理解，所以通读一遍(read through them thoroughly)很重要。但是，大多数出于个人原因进行交易的人应该完全免费使用PayPal 。
与Cash App一样，您可以获得PayPal.me 地址， (PayPal.me address)
PayPal用户可以访问该地址以轻松向您汇款。PayPal账户也被分配了一个唯一的二维码(QR code)；分享它，让其他人只需扫描您的代码即可轻松地向您汇款，或扫描他们的代码以汇款。
贝宝限制(PayPal
Limits)：
- 单笔交易：如果使用信用卡或借记卡汇款或收款，需支付2.9 % fee
- 即时借记卡提款(debit card withdrawal)：5,000 美元/交易、/天和/周；15,000 美元/月
- 还有其他 PayPal 费用(other PayPal fees)需要考虑
(Use PayPal online)在线或通过移动应用程序使用 PayPal ： iOS或Android。
泽勒
Zelle是迄今为止此列表中最简单的应用程序。说到底，这是一个真正的银行间转账应用程序(bank-to-bank transfer app)。与已经提到的应用程序不同，在您的Zelle 帐户(Zelle account)中没有一个地方可以存放资金，直到您再次移动它。换句话说，当有人向您汇款时，它会直接进入您选择的银行……通常在几秒钟内(seconds)！
下载该应用程序后，您必须将您的
电话号码(phone number)与借记卡号码(debit card number)绑定，然后您可以从那里向任何人汇款或向任何人索款。如果他们还没有Zelle，他们可以将他们的
借记卡(debit card)添加到应用程序以接受您的转账或汇款给您；此类案件有 14 天的宽限期(grace period)。
Zelle 服务(Zelle service)已经内置在一些
银行应用程序(banking apps)中，但是如果您的银行不(bank doesn)支持它，那么该应用程序是您可以使用它的唯一方式，而且它超级(super )好用。上面的屏幕截图足以了解这个应用程序的基本功能。
附带说明(side note)一下，如果您愿意，您可以设置两个Zelle帐户：一个使用与启用Zelle的银行绑定的电子邮件地址，另一个使用您的(email address)电话号码(phone number)通过Zelle
应用程序。如果您有多个想要在其间转移资金的银行账户，
Zelle将作为您自己的免费电汇服务！
泽尔限制(Zelle
Limits)：
- 如果您的银行不(bank doesn)支持Zelle ，则在 7(Zelle)天内(day period)500 美元
您可以获得适用于Android和iOS的 Zelle 。
脸书信使
大多数人已经在手机上安装了Messenger或在浏览器中打开了 Messenger，因此通过 Facebook 的消息服务汇款可能是迄今为止最简单的方式。您甚至不需要提取您的银行信息(bank information)！
为此，请将您的借记卡或 PayPal 帐户绑定到您的 Facebook 帐户(tie your debit card or PayPal account to your Facebook account)，然后向您要向其汇款或向其索款的人打开一条新消息。
在计算机上，单击工具栏中的货币符号(money symbol)，在“支付(Pay)”
或“请求(Request)”部分输入金额，然后在发短信时立即在此处兑换货币。在手机上，使用Messenger 滑出式应用程序菜单中的(apps menu)Pay Friend迷你应用程序。
信使限制(Messenger
Limits)：
- 仅适用于法国(France)、美国和英国的用户
- 您只能向与您居住在同一国家/地区的人汇款
- 通过PayPal(PayPal)汇款仅在美国可用
使用Messenger从朋友那里收钱或汇款可以通过计算机上的浏览器(through a browser)或使用Android或iOS应用程序来完成。
梅祖
Mezu是一款独特的汇款应用程序，因为它是完全匿名的，可以让您向任何地方汇款，无论他们住在哪里，甚至还包括一个可以赚钱的游戏（(make)尽管通常金额很小）。
它的工作原理如下：输入您要发送多少钱让应用程序生成临时代码，然后在时间用完之前与某人共享代码，以便资金立即转入他们的帐户。不共享个人详细信息，您可以在达到限制之前发送相当多的信息。
您还可以向人们请求资金，向联系人汇款（不需要代码，但它不是匿名的），甚至可以创建基于位置的存款，附近的任何人都可以将资金存入您的帐户，而无需共享代码。
Mezu每周举办几次名为
Mezu Money Time的游戏。听了几分钟的广告后，您与其他玩家竞争，看谁能以最快的速度输入给定的代码。每场比赛都是不同的，但通常，最快的玩家会获得一些奖金，通常从 2 美元到 20 美元不等。
梅祖限制(Mezu
Limits)：
- 7 天内：2,999.99 美元
- 单笔交易：匿名 $499.99
- 单笔交易：1,999.99 美元（含联系人）
- 提款：任何一次提款 $2,999.99
Mezu服务(Mezu service)只能在移动设备上运行，包括iOS和Android。
6 Best Mobile Payment Apps
Mobile payment apps let you send money to
anyone using nothіng but your phone. Most banks include money-sending
capabilities alreаdy, but what makes dedicated mobile payment apps diffеrent is
that you don’t neеd to open a full-fledged bank account to use them. Рlus, you
might аlready have the app on your phone!
Most payment apps for Android and iOS can be
set up in seconds because they just need your debit card number. Others might
use your bank routing number and account number, but either way, you have full
control of which of your banks get used for sending and receiving money.
Best of all, each of these apps are 100% free
for most of the features, and nearly all have zero fees. There are a few
limitations with each service, but they aren’t large enough to stop most people
from using them.
Cash App
Cash App is one of the easier-to-use free money transfer apps. Just add your debit card to your account to send people money in seconds, and it will show up in their account immediately. It’s just as easy to request money, too.
Something really neat about Cash App is that
you get a unique username, called a $Cashtag, that anyone with the app can use
to send you money. You’ll even get your own unique website (more of a simple
profile) where users can visit from a computer and send money directly to you
without disclosing any of your personal information.
Once you have money in your Cash App account,
you can keep it there and use it free with the included debit card, which is
also free and even supports cash-back features. Or, you can transfer your Cash
App funds to your own bank via the account/routing number.
You’re also able to buy Bitcoin with Cash App.
The weekly Bitcoin purchase limit is $10,000, and while that might be a stretch
for most people, it’s nice to know the option is there should you get the
crypto itch.
Cash
App Limits:
- Within seven days: $250, after
which you must verify your social security number and other personal
information to raise the limit to $2,500 /week
- Weekly cash-outs: $25,000
- ATM withdrawals: $250
/transaction, $250 /24 hours, $1,000 /week, and $1,250 /month
- Fee (based on amount) when
withdrawing instantly to bank; no fee for standard withdrawals that take a few
days
You can use Cash App from their website or via the Android or iOS app.
Google Pay
Google Pay is Google’s attempt at the mobile payment market, and they’ve done a decent job. The service used to offer a debit card but currently only works online from the website or app, but it has really high limits if you plan on using it for large payments.
Something we like about Google Pay is that it
can hold cash in your Google account so that you can decide how much money to
disperse to your bank accounts, if you have multiple. Or, you can choose a
default account so that any money sent to you goes into your bank immediately
(and it usually is immediately).
When you go to make a new payment to someone,
either by selecting the contact or entering their email/phone, you have full
control over which account the money comes out of: a bank, debit card, or your
Google Pay balance. You can also add a memo to the transaction for easier
record keeping.
You can send and request money through Google
Pay, and even sign up for reminders to get alerted when it’s time to
send/request money again (like for rent, work, etc.).
Google
Pay Limits:
- Single transaction: Up to $10,000
- Within seven days: Up to $10,00
- Florida residents: Up to $3,000
every 24 hours
- Transactions over $2,500:
Recipient must add a bank account to get the money
Google Pay can be used online in a web browser or from an Android or iOS mobile device.
PayPal
PayPal has been around a long time, but it’s still one of the better mobile payment apps you can download. It lets you send money all around the world, and much like Cash App, also lets you get a free PayPal debit card.
Unfortunately, the fees are a bit confusing to understand, so it’s important to read through them thoroughly. Most people, though, who trade for personal reasons should have no problem using PayPal absolutely free.
Like Cash App, you can get a PayPal.me address
PayPal users can visit to easily send you money. PayPal accounts are also
assigned a unique QR code; share it to have others send money to you easily by
just scanning your code, or scan theirs to send the money.
PayPal
Limits:
- Single transaction: 2.9% fee if sending or receiving money with a credit or debit card (no fee for bank accounts)
- Instant debit card withdrawal: $5,000 /transaction, /day, and /week; $15,000 /month
- There are other PayPal fees to consider
Use PayPal online or from the mobile app: iOS or Android.
Zelle
Zelle is by far the simplest app in this list. When it’s all said and done, it’s a true bank-to-bank transfer app. Unlike the apps already mentioned, there isn’t a place within your Zelle account where money gets held up until you move it again. In other words, when someone sends you money, it goes right into your bank of choice…usually in seconds!
After downloading the app, you must tie your
phone number to a debit card number, and from there you can send money to or
request money from anyone. If they don’t yet have Zelle, they can add their
debit card to the app to accept your transfer or send money to you; there’s a
14-day grace period for cases like this.
The Zelle service is already built-in to some
banking apps, but if your bank doesn’t support it, then the app is the only way
you can use it, and it’s super easy
to use. The screenshot above is enough to understand just how basic this app
really is.
One side note is that you can, if you so
choose, set up two Zelle accounts: one using your email address that’s tied to
your Zelle-enabled bank, and another with your phone number through the Zelle
app. If you have multiple bank accounts that you like to move money between,
Zelle will work as your own free wire transferring service!
Zelle
Limits:
- $500 within a seven day period if
your bank doesn’t support Zelle
You can get Zelle for Android and iOS.
Facebook Messenger
Most people already have Messenger installed on their phone or open in their browser, so sending money over Facebook’s messaging service might be the easiest way yet. You don’t even need to pull out your bank information!
To do this, tie your debit card or PayPal account to your Facebook account, and then open a new message with the person you want to send money to or request money from.
From a computer, click the money symbol in the
toolbar, type an amount in the Pay
or Request section, and immediately
exchange money right there while texting. From a phone, use the Pay Friend mini app from Messenger’s
slide-out apps menu.
Messenger
Limits:
- Works only for users in France,
the US, and the UK
- You can only send money to people
living in the same country as you
- Sending money via PayPal is
available only in the US
Using Messenger to get or send money from friends can be done through a browser on a computer or with the Android or iOS app.
Mezu
Mezu is a unique money-sending app because it’s completely anonymous, lets you send money to anywhere no matter where they live, and even includes a game where you can make money (albeit normally small amounts).
Here’s how it works: enter how much money you
want to send to have the app generate a temporary code, and then share the code
with someone before the time runs out for the money to transfer to their
account instantly. No personal details are shared, and you can send quite a bit
before reaching limits.
You can also request money from people, send
money to contacts (no code required, but it’s not anonymous), and even create
location-based deposits where anyone in the vicinity can drop money into your
account without you having to share codes.
A few times a week, Mezu hosts a game called
Mezu Money Time. After listening to an ad for a couple minutes, you compete
with other players to see who can enter the given code the fastest. Every game
is different but usually, the fastest players are awarded some money, often
anything from $2 to $20.
Mezu
Limits:
- Within seven days: $2,999.99
- Single transaction: $499.99
anonymously
- Single transaction: $1,999.99 with
a contact
- Withdrawal: $2,999.99 for any
single withdrawal
The Mezu service runs on mobile devices only, both iOS and Android.
