Best apps like Pay Up: Buy,Pay,Send & Receive

31+ similar apps compared and reviewed

4.5 avg rating
10 free apps
Updated August 2026

Pay Up is great, but it's not the only option. Explore 31+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to Pay Up

PayPal - Pay, Send, Save#1

PayPal - Pay, Send, Save by PayPal, Inc.

Debit card, savings, pay later
Editor's Choice
πŸ’° Finance
4.8😐(6.3M ratings)
FreeAds
#3in Finance
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Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

What We Love

  • πŸš€ Extremely effective and reliable crypto recovery service
  • πŸ”’ Secure payment processing
  • πŸ’° Convenient way to send and receive money
  • πŸ‘ Easy to use app with simple interface

Room to Improve

  • πŸ› Inconsistent customer support responses
  • πŸ•°οΈ Slow money transfer times
  • πŸ’³ Holds on funds for new accounts
Revolut: Send, spend and save#2

Revolut: Send, spend and save by Revolut Ltd

Change the way you money
Strong Contender
πŸ’° Finance
4.7😐(71K ratings)
Free
#66in Finance
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Manage your money with a comprehensive financial app. Spend, send, and save across multiple currencies, invest in stocks, and track your spending with smart tools. Offers features for both adults and children's financial education.

What We Love

  • πŸš€ Seamless international transactions
  • πŸ’³ Convenient multi-currency accounts
  • πŸ”’ Robust security features
  • πŸ‘ User-friendly app interface

Room to Improve

  • πŸ› Unreliable account verification process
  • πŸ€– Poor customer service and lack of live support
  • πŸ’° Unexpected fees and account restrictions
Accrue: Send. Spend. Sell.#3

Accrue: Send. Spend. Sell. by Accrue DCA Limited

The cross-border payment app
Worth Considering
πŸ’° Finance
4.6😐(1.6K ratings)
Free
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Easily send and receive money across Africa and the US. Save in USD to earn daily interest, shop online with virtual cards, and grow your money through simple investing. Manage all your cross-border financial needs from your phone.

What We Love

  • πŸš€ Fast and reliable
  • πŸ‘ User-friendly interface
  • πŸ’° Good rates and minimal fees
  • πŸ”’ Secure transactions

Room to Improve

  • πŸ› Account restrictions and suspension issues
  • ⏱️ Slow virtual card issuance
  • πŸ’³ Problems with card usage and funding

More apps like Pay Up

4
Kredete Send Spend Save Credit
Kredete Send Spend Save Credit
Kredete Send Spend Save Credit
International Payment & Credit
Free

Manage your money globally with this all-in-one financial platform. Send and receive international payments, save in USD with daily yield, and build credit. Access virtual and physical cards for seamless global transactions.

International money transfersUSD & EUR accountsDollar savings with daily yield
πŸ’° Finance
(94)
free with in-app purchases
5
OhentPay - A Global Money App
OhentPay - A Global Money App
OhentPay - A Global Money App
Do more with your money
Free

Manage multiple currencies, send money globally, and receive payments with competitive exchange rates and flat fees. Automate your finances and ensure your money is safe with robust fraud protection.

Multi-currency accountsSend money to 190+ countriesReceive payments globally
πŸ’° Finance
(0)
free
6
PayAngel: Fast Money Transfers
PayAngel: Fast Money Transfers
PayAngel: Fast Money Transfers
Send money home instantly
Free

Send money home instantly and securely with zero fees and unbeatable exchange rates. This app offers free life insurance on every transaction and 24/7 human support, making it ideal for diasporans supporting loved ones abroad.

Instant money deliveriesZero transfer feesUnbeatable exchange rates
πŸ’° Finance
(668)
free with in-app purchases
7
KOWRI
KOWRI
KOWRI
by DreamOval Ltd.
Free

This app simplifies financial management and payments across Africa. It allows users to link various accounts, make secure payments for bills and services, transfer money instantly, and discover local businesses. The platform also offers tools for wealth planning, subscription management, and spending tracking.

Link bank accounts, mobile money, and cardsSecure bill payments (electricity, water, insurance)Instant money transfers
πŸ’° Finance
(125)
free with in-app purchases
8
myghpay
myghpay
myghpay
by GUARANTY TRUST BANK GHANA LTD
Free

This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.

Mobile money paymentsCard payments (Visa/Mastercard)Bank account payments
πŸ’° Finance
(317)
free
9
expressPay
expressPay
expressPay
by expressPay Ghana Limited
Free

Send money instantly to mobile money accounts or bank accounts with just a few taps. Easily purchase airtime and internet data for any network in seconds. Pay merchants and service providers using various digital payment methods.

Instant money transfersMobile money and bank account transfersInstant airtime purchases
πŸ’° Finance
(114)
free
10
Ezipay Global
Ezipay Global
Ezipay Global
Global Money Remittance
Free

Facilitates global money remittances with a focus on African markets. Offers secure and efficient international money transfers.

Global money remittanceInternational money transfersSecure transactions
πŸ’° Finance
(13)
ad-supported