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Charm – Cash & Bitcoin

Charm – Cash & Bitcoin

Social wallet for global money

7 ratings
8 reviews
💰 Finance
🌐 Social Networking
Free

Details

  • Released
  • Updated
  • July 3, 2025
  • February 8, 2026

Features

Developer

Parcel Dynamics, Inc.
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Charm – Cash & Bitcoin screenshot #1 for iPhone
Charm – Cash & Bitcoin screenshot #2 for iPhone
Charm – Cash & Bitcoin screenshot #3 for iPhone
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About

This app integrates payments directly into your conversations, allowing you to send money, share gifts, and split expenses as easily as sending a text message. It offers instant deposits and withdrawals using credit or debit cards, with no need for phone numbers or complicated setup.

✓Chat and pay in one place
✓Send instant payments and gifts
✓Split expenses easily
✓Real-time payment notifications
✓Instant deposits and withdrawals
✓No personal info required
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What's New in Charm

0.6

February 8, 2026

- Refreshed home screen layout with activity feed - Improved send and scan flows - Added profile pictures - Bug fixes and performance improvements

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User reviews

Most RecentHighest RatedLowest Rated

Get Paid Fast

I used Charm to sell a few things on marketplace and it made everything so easy. It didn’t matter if buyer had Venmo or cash, I just sent them a payment link and they could pay using any method they wanted. It was fast, safe, and easy. I didn’t need to share any personal info, and the money was in my account right away. Highly recommend!
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butdadbutdadbutdadbutdad

Response from developer

Really appreciate you taking the time to write this! It means a lot to hear that Charm made your Marketplace sales smoother. We built it to be that one simple link that just works—no awkward payment app negotiations, no personal info needed. Thanks so much for recommending us! — Gray Newfield, Founder

Great money app

Love sending money to my friend with this app
Gianluca MinoprioGianluca Minoprio

Best app for gifts

I love using Charm to send money to friends and family around the world. It’s perfect for birthdays, holidays, and other special occasions.
sdeorisdeori

Effortless transactions with friends and strangers alike

Charm came in handy when I had to receive a payment the other day - I created a link with the tap of a button, and the Apple Pay integration made the payment seamless. Since the payment was in person, I could just show the buyer a QR code for them to scan, but I also could have texted or emailed them the link.

I always feel funny sharing personal information when buying/selling furniture or secondhand goods, so I love that Charm keeps me from having to share any personal details and doesn’t require me to maintain accounts on several different payment apps. Definitely a keeper!
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Applover1358Applover1358

Response from developer

Thanks so much for the thoughtful review! We’re so glad Charm made your in-person transaction smooth and secure. That’s exactly what we’re aiming for—no awkward info exchanges, no juggling payment apps, just a clean, easy way to get paid. Really appreciate you using Charm and sharing your experience! — Gray Newfield, Founder

Get Paid Fast

I used Charm to sell a few things on marketplace and it made everything so easy. It didn’t matter if buyer had Venmo or cash, I just sent them a payment link and they could pay using any method they wanted. It was fast, safe, and easy. I didn’t need to share any personal info, and the money was in my account right away. Highly recommend!
Show more
butdadbutdadbutdadbutdad

Response from developer

Really appreciate you taking the time to write this! It means a lot to hear that Charm made your Marketplace sales smoother. We built it to be that one simple link that just works—no awkward payment app negotiations, no personal info needed. Thanks so much for recommending us! — Gray Newfield, Founder

See 3 more reviews

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FAQ

What is Charm used for?

Charm is a social wallet designed to make sending payments, sharing gifts, and splitting expenses as simple as sending a message. It integrates these financial actions directly into your conversations.

How secure is Charm?

While the description emphasizes ease of use and no personal info required for transactions, specific security protocols are not detailed. Users should always practice safe financial habits when using any payment application.

Can I send Bitcoin with Charm?

The app name includes 'Bitcoin', suggesting cryptocurrency functionality. However, the description focuses on traditional cash payments and does not elaborate on specific Bitcoin transaction features.

What devices does Charm support?

Charm is available on iPhone and iPad devices. It is designed for users within the Apple ecosystem.

How often is Charm updated?

The latest version of Charm was released on February 8, 2026, indicating recent development activity. Users can expect ongoing updates to improve functionality and security.

What is the age rating for Charm?

Charm has an age rating of 4+, making it suitable for a wide range of users. This rating suggests content is generally appropriate for children.

Does Charm have ads?

Charm is ad-free. As indicated by the data, the application does not contain advertisements, providing an uninterrupted user experience.

How do I add money to Charm?

You can use any credit or debit card linked to your Apple Wallet for instant deposits and withdrawals within Charm. This allows for quick movement of funds.