With the rise of smartphones, we can now access our bank account from our pocket at any time. Being able to have our money when we want has many consequences and one of them is that it flows from hand to hand more quickly. Today we will not talk about mobile payments, but we will talk about those applications that allow us to send money to our friends, relatives or anyone to whom we owe a small amount.
Banks are the first to be aware that many people want to send money from one place to another without complications. It is no longer necessary to hand over the banknotes, simply by pressing a button from the smartphone we can send money to the other side of the world. Some of these transactions have a small commissionIt is up to you to use them responsibly and choose which one best suits what you are looking for.
ING Direct offers us a very colorful application that allows anyone residing in Spain to send money to other people who install the application. We have no commissions, although there is a limit of 1000 euros per year.
To recharge money, we will simply associate a bank account or card, we will make a deposit in the virtual wallet and voilà. It is one of the simplest, it has the support of a large bank behind it and adds a chat to talk with our contacts.
Twyp by ING
See each other
With Verse we don’t have commissions either, but this time the application has no bank behind it. It is a startup founded by three Spaniards that are spreading throughout Europe. The operation is similar, we have a wallet and we can invite other contacts to send them money.
Besides that the application allows create events to make a common pot between several people. Transparent, simple and social, three adjectives that have made Verse one of the first options to send money from your mobile.
See yourself: Send and receive money2.1.4
Behind the BBVA application is Bizum, a service that has been adopted by 27 different Spanish banks. With this application we can send money to any of our contacts who are also in one of the banks that adopt Bizum. The limit this time is 30 transactions per month, more than enough for most.
When sending the money, the other user will receive a text message advising him. The application also offers to withdraw the cash or deposit it in the account, again without commissions.
La Caixa has a very complete mobile application. In addition to allowing mobile payments, it also adds Bizum to request and send money. It is very simple, you register, you select the originating account, the mobile of the person to whom you want to send money and you accept. It has no commissions but the other person must install the application in order to receive the balance.
CaixaBank Pay: mobile payments1.17.0
A new online bank with an excellently designed application to manage everything from your mobile. From adding cards, controlling our balance and sending money to colleagues or acquaintances. The money is received through Mastercard and we will send money with the MoneyBeam service.
Venmo was a cool fintech app, but it was bought by Paypal to improve their app. And it has been a success since we can make payments in a very simple way, we will only need the email account or the mobile of the other person.
Intuitive, colorful and with the power of send payments to almost any corner of the world. Paypal plays with the power of being a very widespread service throughout the internet and becomes an essential option to send money.
We come to the smallest services but no less interesting for that. Azimo allows send money to more than 190 countries from the euro zone. Instant transfers and customer support in ten different languages to provide that security that all users need when it comes to managing private funds. Of course, in this case we will find small commissions.
Azimo money transferVaries by device
The creators of Paypal returned to the load with TransferWise, a fintech application to send money with a very careful design. We have commissions, since they allow you to send money abroad. Of course, they promise to be up to 90% cheaper than your bank. It is one of the most downloaded applications and an option to consider if we are looking for international shipments, although the list of compatible countries is somewhat reduced.
TransferWise Money Transfer2.12.9
Circle is a colorful application for sending money. To do this we will have to take a photo of the credit card and choose the lucky person, one with whom we can also chat and send you emojis, gifs or photos. A fun, social application that also wants to bet on security.
Circle Pay – Send money3.14.0
It works in France, Germany, Poland, Holland, Italy and Austria, so we Spanish users are left out for the moment. But the truth is that Revolut is having a lot of success thanks to being an excellent option for traveling and having a valid card to withdraw cash at ATMs without commission. Coverage at all times, allied with MasterCard and prices in commissions quite competitive. In addition to allowing us to pay for a purchase between several people.
Revolut – Beyond Banking4.4.1
Available in more than 50 countries and 140 destinations, WorldRemit has recently offered the ability to connect directly with Android Pay. If we already have the data associated with Android Pay we will not need to enter it again, this allows us greater speed and also be calm since the data of our card will be under the security of Google.
WorldRemit, money orders220.127.116.113
With Moneymailme we can send money in six different currencies, among which are of course the dollar and the euro. In addition to a simple design, it has a section that differentiates it from the rest and is that it allows donate to humanitarian causes and support different charities.
Moneymailme for sending money1.3.2
If there is an ideal currency for this type of transaction, that is undoubtedly bitcoin. From the virtual wallet application we can buy, sell but also send and request to any of our Google contacts, via NFC or QR code. Always with the security of a virtual currency that comes in handy to exchange money between one and the other.
Bitcoin Wallet – CoinbaseVaries by device
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