Before the emergence of money transfer apps, sending money was a bit of a challenge. However, now, money transfer apps have made sending and receiving money incredibly easy. With a variety of money transfer apps to choose from, you might be wondering which one of the money transfer apps is best for you.
To help you choose the best app to send or receive money, we have created a list of the best five apps to transfer money in 2025.
Leverage Google Pay
Google is the number one search engine that is used worldwide, which is why Google Pay is an ideal app for transferring money in 2025. Google Pay is best for transferring money and shopping online. Google Pay is not complicated and only requires two things from you: your bank account and your Google account. To set up this money transfer account, the app will require your phone number and your banking information. Setting up this account comes free of cost.
Google Pay enables you to send money, receive money, and track your spending.
Leverage Apple Pay
If you are an Apple user and you want to send money, then Apple Pay can be the best app for you. Likewise, Google Pay and Apple Pay are great for online shopping, too. To set up an account, you need a bank account and Apple technology, such as an iPhone or Macbook. At the time of setting up an Apple Pay account, Apple will ask you for your banking information and your Apple ID.
The regular transfers that you will make with Apple Pay are for free; however, you can expect to pay a fee for instant transfers.
Use Zelle for Direct Transfers
Zelle is a great money transfer app that you can use in 2025 to make instant transfers. To use Zelle, you will need a bank account, an email address, and your phone number. The best thing about this money transfer app is that it doesn’t charge any fee to transfer and receive money. You can use Zelle for instant transfers, and the transfers usually take place within a few minutes.
Opt for Wire Transfer Services
If you are looking for an app that ensures instant transfers, you might want to opt for wire transfer services, such as SoFi wire transfer, which are also great for international and fast money transfers. All you need is a bank account and your ID. The costs for wire transfer services vary for domestic and international transfers. You can expect domestic transfers to be completed on the same day, whereas international transfers might take as long as three to four business days.
Western Union – the Classic
When it comes to the best money transfer apps for 2025, we have positioned Western Union as number five in this list. Western Union is widely used for domestic and international money transfers. All you need is a bank account and an official ID. The costs for Western Union vary and depend on the locations of both – the sender and the receiver. The fee also depends on the amount of money that you want to transfer.
