# Charm – Cash & Bitcoin — Social wallet for global money

> Social wallet for sending payments, gifts, and splitting expenses within conversations. (iPhone/iPad app by Parcel Dynamics, Inc..)

- Source: https://appshunter.io/ios/app/charm-cash-and-bitcoin/id6748044865 (this page in markdown: same URL + `.md`)
- Developer: [Parcel Dynamics, Inc.](https://appshunter.io/developer/1777718723)
- Category: Finance, Social Networking
- Price: Free
- Rating: 5.00/5 from 7 App Store ratings · 8 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 62 MB
- Languages: American English
- Released: 2025-07-03
- Data updated: 2026-08-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/charm-cash-and-bitcoin/id6748044865/reviews.md

## What is Charm?

Charm – Cash Has Entered the Chat

Charm makes money social. Send payments, share gifts, and split expenses — right inside your conversations.

Whether you’re paying back a friend, splitting dinner, or gifting someone special, Charm makes it as simple as sending a message.

Features

- Chat & pay in one place: Every conversation can include instant payments and gifts.
- Real-time notifications: Know the moment you’re paid.
- Instant deposits and withdrawals: Use any credit or debit card in your Apple Wallet to move money in seconds.

Why Charm?

Traditional payment apps are built on top of rigid ledgers. With Charm, money is just a message.

- No awkward follow-ups because requests live in conversations.
- No phone numbers or personal info required.
- No complicated setup.

Perfect For

- Friends splitting dinner or drinks
- Birthdays, holidays, and gifting
- Trips or sharing expenses
- Babysitting, tutoring, side gigs, and other recurring services

Getting paid should be as fast and friendly as sending a text. Ditch the calculator apps - pay with Charm.

## Key features

- 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

## Recent user reviews (8 of 8)

All indexed reviews: https://appshunter.io/ios/app/charm-cash-and-bitcoin/id6748044865/reviews.md

### 5/5 — Get Paid Fast

*2026-02-14*

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!

**Developer response:** 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

### 5/5 — Great money app

*2026-02-09*

Love sending money to my friend with this app

### 5/5 — Best app for gifts

*2025-12-26*

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

### 5/5 — Effortless transactions with friends and strangers alike

*2025-07-12*

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!

**Developer response:** 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

### 5/5 — Get Paid Fast

*2025-07-06*

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!

**Developer response:** 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

### 5/5 — Easy way to pay

*2025-07-06*

Used Charm to sell a few things from around the house, and it made everything so easy. Instead of worrying about whether the buyer had Venmo or cash, I sent them a payment link and they could pay however they wanted — even with Apple Pay. It felt safe, professional, and private. I didn’t share any personal info, and the money was in my account right away. Highly recommend!

**Developer response:** Thanks so much for the kind words! It’s great to hear Charm helped make your sales simple and stress-free. We’re especially happy to hear the privacy and flexibility came through—that’s exactly what we’re aiming for. Appreciate the recommendation! — Gray Newfield, Founder

### 5/5 — Garage Sale Hero

*2025-07-05*

I used Charm for a recent garage sale and it made getting paid unbelievably easy. Instead of juggling Venmo, Zelle, or Cash App, I just created a payment link and had the buyer scan a QR code. They could pay however they wanted—Apple Pay, Google Pay, or any card—and the whole process felt clean and professional.

No more awkward app coordination or turning people away. I made more sales, and everything felt smooth and secure. It even keeps my personal info private, which is a huge bonus. I’ll definitely be using Charm for all my local selling from now on. Way better than cash or old-school P2P apps.

**Developer response:** This is exactly what we hoped for when building Charm—thank you for sharing! We're so glad it helped your garage sale go smoother (and more profitable!). No more juggling apps or losing sales over payment confusion. Really appreciate you trusting Charm and spreading the word! — Gray Newfield, Founder

### 5/5 — The only way I do FB Marketplace deals now

*2025-07-04*

I use Charm for every Marketplace transaction—buying or selling. It just works. As a buyer, I can pay with Apple Pay or card, and I get the same kind of protection and peace of mind I’m used to when shopping online. As a seller, I love that I don’t need to juggle Venmo, Zelle, and cash—just one app, and I don’t have to worry about chargebacks or sharing personal info. It’s fast, private, and feels way more secure than anything else out there.

**Developer response:** Thanks so much for the thoughtful review — it means a lot. I’ve always believed payments should be the easiest part of buying and selling. When everything else is already working between buyer and seller, the app should just get out of the way and make it seamless. I’m so glad Charm is doing that for you. If you ever have feedback or ideas, feel free to reach out directly via the “Contact Founder” button in Settings. I read every message.
– Gray Newfield, Founder & CEO

## Frequently asked questions about Charm

### 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.

## Version history (last 5 releases)

### 0.6 — 2026-02-08

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

### 0.5 — 2026-01-19

- QR Code Scanner: Scan QR codes directly from a dedicated Scan tab. Pay Lightning invoices or add friends by scanning their Charm invite code.
- Invite Links: Share your personal invite QR code with others to connect. Now with universal link support—invite links open directly in the app.
- Bug Fixes: Improved camera performance by only activating when viewing the scan screen.

### 0.4 — 2025-12-12

- Trade bitcoin
- Redesigned home screen
- Bug fixes & performance improvements

### 0.3 — 2025-10-31

- Enabled real-time push notifications on receiving messages and payments
- Fixed bug blocking bank account withdrawals
- Performance improvements

### 0.2 — 2025-10-06

Charm has been completely rebuilt with a brand-new design and a powerful new chat-based experience.

Improvements:
- Chat directly with friends while sending payments
- Faster, more reliable transfers
- Smoother onboarding and better notifications
- Bug fixes and performance enhancements across the app

Charm is now the easiest way to send money — right inside your chats.

## Apps similar to Charm

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Tokenizer SuperWallet](https://appshunter.io/ios/app/tokenizer-superwallet/id6476143682) | — | Free | Finance |
| [Buff: Smart Wallet](https://appshunter.io/ios/app/buff-smart-wallet/id6474980823) | — | Free | Finance |
| [Moneo App](https://appshunter.io/ios/app/moneo-app/id6747456736) | 3.0 (2) | Free | Finance |
| [QuattroHub](https://appshunter.io/ios/app/quattrohub/id6477467745) | 5.0 (1) | Free | Finance |
| [Amp Pay - Spend, Save & Trade](https://appshunter.io/ios/app/amp-pay-spend-save-and-trade/id6745053797) | 5.0 (7) | Free | Finance |
| [Peblla Pay](https://appshunter.io/ios/app/peblla-pay/id6502342869) | — | Free | Finance |

## More apps by Parcel Dynamics, Inc.

- [BeerMe - Send & Receive Money](https://appshunter.io/ios/app/beerme-send-and-receive-money/id6737746878)

All apps by Parcel Dynamics, Inc.: https://appshunter.io/developer/1777718723

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-01.*