10 Best Money Apps Like Cash App

Deep

21 Sept, 2025

10 Best Money Apps Like Cash App in the USA ( Updated)

Are you searching for the best money apps like Cash App? The U.S. digital payments ecosystem is undergoing rapid evolution. Traditional apps like Venmo, PayPal, and Zelle are no longer the only options. Today, you can choose apps that offer instant transfers, smart budgeting tools, teen banking features, crypto rewards, cash advances, and automated savings.

This guide dives deep into 10 trending Cash App alternatives in the USA, comparing their features, speed, and unique advantages to help you pick the perfect one for your lifestyle.

List of Best Money Apps Like Cash App

1. Beem – Budget + Payments in One

Beem combines fast peer-to-peer payments with budgeting tools. You can track your expenses, plan budgets, and send money instantly—all from a single dashboard.

Why Beem Stands Out:

Ideal for individuals who want expense tracking built in
Helps with group budgeting for friends or roommates
Fee-free, instant P2P transfers

Real-Life Use Case:

Imagine splitting rent or utility bills with roommates. Beem automatically tracks your payments, reminds others to pay, and ensures your budget stays on track.

Cons:

Limited support for international transfers

🔗 Try Beem

2. Current – Teen-Friendly Banking

Current is perfect for parents and teens seeking safe, supervised banking. It offers debit cards, instant transfers, and rewards for teens, plus parental control features.

Why Current Stands Out:

Instant P2P transfers between teens and parents
Cashback rewards on purchases
Customizable parental controls

Real-Life Use Case:

A parent can send allowance instantly, set spending limits, and track transactions, teaching financial responsibility to their teen.

Cons:

No international transfers

🔗 Sign up for Current

3. Albert – Smart Money Companion

Albert is a personal finance app that helps users save automatically, invest wisely, and send money with minimal effort.

Why Albert Stands Out:

Automatic savings using AI-driven suggestions
Fee-free cash advances up to $250
Beginner-friendly investment features

Real-Life Use Case:

Want to save for a trip without thinking about it? Albert can automatically transfer small amounts into savings while letting you invest spare change.

Cons:

Some features require a subscription

🔗 Get Albert

4. CashStar – Money as Gift Cards-CashStar acquired by Blackhawk Network

CashStar allows sending money in the form of gift cards to U.S. retailers instantly. Great for holidays, birthdays, or special occasions.

Why CashStar Stands Out:

Instant digital delivery
Personalization options for gift cards
Works with major U.S. retailers

Real-Life Use Case:

Sending birthday money to family or friends is easier and more personalized than traditional bank transfers.

Cons:

Only works with select merchants

🔗 Use CashStar

5. Go2Bank – Neobank for Banking + Credit Building

Go2Bank is a neobank designed for U.S. users who want banking combined with credit-building tools. Secured credit cards and instant transfers make it a reliable alternative.

Why Go2Bank Stands Out:

Free instant transfers
Secured credit card for credit-building
FDIC-insured deposits

Real-Life Use Case:

Perfect for students or young adults wanting to build credit history while managing everyday expenses.

Cons:

$5 monthly fee if no direct deposit

🔗 Open Go2Bank

6. Strike – Bitcoin + USD Transfers

Strike enables instant USD or Bitcoin transfers. Perfect for crypto-friendly users who want fast, fee-free payments.

Why Strike Stands Out:

Instant settlements in USD or Bitcoin
No transfer fees
Ideal for tech-savvy users exploring crypto

Real-Life Use Case:

Send USD to a friend while taking advantage of Bitcoin rails for speed and minimal fees.

Cons:

Advanced features require crypto knowledge

🔗 Check Strike

7. Klover – Instant Cash Advances Without Fees

Klover gives you up to $200 cash advance on your paycheck without fees, interest, or credit checks.

Why Klover Stands Out:

Skip payday loans and high-interest fees
Quick, same-day access to cash
Rewards program for consistent users

Real-Life Use Case:

Unexpected car repair or bill? Klover provides instant access to your earned income before payday.

Cons:

Requires proof of paycheck history

🔗 Join Klover

8. Empower – Designed for Gig Workers

Empower is made for freelancers and gig workers who want fast access to earned wages and financial insights.

Why Empower Stands Out:

Cash advances up to $250
Budgeting insights for irregular income
Credit-building tools

Real-Life Use Case:

Freelancers can instantly withdraw payments from gigs and plan for upcoming bills without overdraft stress.

Cons:

$8 monthly subscription for premium features

🔗 Try Empower

9. Brigit – Predict Bills & Avoid Overdrafts

Brigit automatically predicts bills, sends cash early, and helps avoid overdraft fees.

Why Brigit Stands Out:

Predicts upcoming bills using AI
Instant cash deposits
Optional credit-building features

Real-Life Use Case:

Avoid surprise overdraft fees by having Brigit alert you and transfer funds before payments are due.

Cons:

Subscription required for full features

🔗 Sign up for Brigit

10. Step – Teen Banking & Credit Building

Step is a free app for teens that combines money transfers with early credit-building opportunities.

Why Step Stands Out:

No fees, fully free for U.S. teens
Instant P2P transfers
Helps teens start building credit early

Real-Life Use Case:

A teen can manage allowance, make purchases online, and gradually build a credit score—all in a safe environment.

Cons:

Only available to U.S. users

🔗 Join Step

Safety & Security Tips for Digital Payments

Always choose apps with FDIC insurance where available.
Enable two-factor authentication (2FA).
Only send money to trusted contacts.
Regularly monitor account activity for suspicious transactions.
Use strong, unique passwords for every money app.

Final Thoughts

These best money apps like Cash App are perfect if you want extra features like credit-building, automatic savings, teen banking, or crypto transfers.

Pro Tip: Start with small transfers to test security and app functionality. Experiment with one or two apps until you find the best fit for your lifestyle.

💡 Action Step: Download your favorite app today, take control of your money, and experience fast, smart, and secure financial management.