Best Balance Transfer Apps

0+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

With an average user rating of 4.7★, the balance transfer category is one of the App Store's strongest. Browse all 0+ apps we track, sorted so the most loved ones surface first.

Compare top Balance Transfer Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Self - Credit Builder & CardsSelf - Credit Builder & CardsFree4.9★ (324K)NoNoAug 2026
2Kikoff – Build Credit QuicklyKikoff – Build Credit QuicklyFree4.9★ (263K)NoNoAug 2026
3PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoAug 2026
4Alliant Mobile BankingAlliant Mobile BankingFree4.6★ (8.4K)NoNoAug 2026
5Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
6PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7★ (169K)NoNoAug 2026
7HSBC USHSBC USFree4.7★ (49K)NoNoAug 2026
8Lloyds Business Banking appLloyds Business Banking appFree4.9★ (108)NoNoAug 2026

Top Picks for Balance Transfer

Self - Credit Builder & Cards#1

Self - Credit Builder & Cards by Self Lender, Inc.

Build credit for a credit card
Editor's Choice
💰 Finance
4.9😊(324K ratings)
Free
Self - Credit Builder & Cards screenshot 1
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Self - Credit Builder & Cards screenshot 3
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Self - Credit Builder & Cards screenshot 5
Self - Credit Builder & Cards screenshot 6

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

What We Love

  • 🚀 Helped build credit quickly
  • 👍 Easy to use and understand
  • 💰 Saves money while building credit
  • 🆙 Boosted credit scores significantly

Room to Improve

  • 🐛 Inconsistent autopay issues
  • ⚠️ Unexpected account closures
  • 💸 Fees and interest charges
Kikoff – Build Credit Quickly#2

Kikoff – Build Credit Quickly by Kikoff Inc.

Equifax, Experian + TransUnion
Strong Contender
💰 Finance
4.9😊(263K ratings)
Free
#49in Finance
Kikoff – Build Credit Quickly screenshot 1
Kikoff – Build Credit Quickly screenshot 2
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Kikoff – Build Credit Quickly screenshot 4
Kikoff – Build Credit Quickly screenshot 5
Kikoff – Build Credit Quickly screenshot 6

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

What We Love

  • 🚀 Credit score boost
  • 💳 Affordable credit building
  • 👍 Easy to use
  • 📈 Positive payment history

Room to Improve

  • 🐛 Billing and account issues
  • 🔒 Lack of customer support
  • ⚠️ Negative impact on credit score
PayPal - Pay, Send, Save#3

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

Debit card, savings, pay later
Worth Considering
💰 Finance
4.8😐(6.3M ratings)
FreeAds
#2in Finance
PayPal - Pay, Send, Save screenshot 1
PayPal - Pay, Send, Save screenshot 2
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PayPal - Pay, Send, Save screenshot 6

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

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to Improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts

More Balance Transfer apps to explore

4
Alliant Mobile Banking
Alliant Mobile Banking
Alliant Mobile Banking
by Alliant Credit Union
Free

Manage your finances conveniently on the go with this banking app. Deposit checks, view balances, transfer funds, pay bills, and locate ATMs. It offers secure login options and a personal financial management tool.

Instant check depositAccount balance and activityMoney transfers
💰 Finance
(8.4K)
free
5
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

Secure UPI paymentsInternational UPI paymentsMobile and DTH recharges
💰 Finance
(39K)
free with in-app purchases
6
PhonePe UPI, Payment, Recharge
PhonePe UPI, Payment, Recharge
PhonePe UPI, Payment, Recharge
FASTag, Credit Card, Gold SIP
Free

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
💰 Finance
(169K)
free with in-app purchases
7
HSBC US
HSBC US
HSBC US
by HSBC Global Services (UK) Limited
Free

Manage your finances on the go with this mobile banking app. Monitor accounts, transfer funds, pay bills, and deposit checks. Access customer support and enhanced security features for a convenient banking experience.

Monitor account balances and activityTransfer funds domestically and internationallyPay bills to U.S. payees
💰 Finance
(49K)
free
8
Lloyds Business Banking app
Lloyds Business Banking app
Lloyds Business Banking app
Moving your business forward
Free

Manage your business finances on the go. Apply for accounts, make payments, and access support with secure, convenient tools. Offers free accounting software and initial fee waivers.

Apply for a Business AccountFree accounting softwareBiometric login
💰 Finance
(108)
free
9
My Straight Talk: Mobile App
My Straight Talk: Mobile App
My Straight Talk: Mobile App
by TracFone Wireless, Inc.
Free

Manage your wireless plan effortlessly with this app. Access plan details, track rewards, and enjoy fast refills. Stay connected with reliable coverage and 5G data options, all from one convenient place.

Manage wireless plansTrack rewards and perksFast and simple plan refills
🔧 Utilities
(286K)
free
10
SouthState Mobile
SouthState Mobile
SouthState Mobile
by South State Bank
Free

Manage your finances on the go. Check balances, deposit checks, transfer funds, and pay bills. Gain insights into your spending with budgeting tools and link external accounts. Apply for new accounts or loans directly within the app.

Check account balances and activityMobile check depositTransfer funds
💰 Finance
(19K)
free
11
Financiera para el Bienestar
Financiera para el Bienestar
Financiera para el Bienestar
Recibe dinero desde USA
Free

Send and receive money instantly between Mexico and the United States directly to your card. Use it for payments globally and manage your finances with ease through the app.

Send money to Mexico from USAReceive money from USA in MexicoGlobal card payments
💰 Finance
(4.4K)
ad-supported
12
Cash App
Cash App
Cash App
Money. Debit Card. Bitcoin.
Free

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin
💰 Finance
(8.6M)
free with in-app purchases
13
Bangor Mobile
Bangor Mobile
Bangor Mobile
by Bangor Savings Bank
Free

Manage your finances conveniently from your mobile device. Access account balances, transaction history, and transfer funds. Deposit checks, pay bills, and locate branches or ATMs with ease.

Check account balances and historyTransfer funds between accountsPay existing bill payees
💰 Finance
(15K)
free
14
RCB Bank Mobile
RCB Bank Mobile
RCB Bank Mobile
by RCB Bank
Free

Manage your finances on the go with this mobile banking application. Access your accounts, view balances, transfer funds, and set up alerts. Easily locate nearby ATMs, ITMs, and bank branches.

Account balance viewingMoney transfersText and email alerts
💰 Finance
(2.3K)
free
15
PRESTO
PRESTO
PRESTO
Official app from Metrolinx
Free

Manage your transit card and pay for rides using your iPhone or Apple Watch. Load funds and passes instantly, set up autoload, and track your balance and transaction history. Supports multiple transit agencies across Ontario.

Tap to pay with iPhone/Apple WatchInstant fund and pass loadingSet up Autoload and Autorenew
✈️ Travel
(888)
free
16
Hometown Community Banks App
Hometown Community Banks App
Hometown Community Banks App
Mobile Banking
Free

Manage your finances conveniently and securely from your mobile device. View balances, transfer funds, deposit checks, and pay bills. This app offers advanced debit card management and secure login options.

View account balances and transaction historyTransfer funds between accountsDeposit checks remotely
💰 Finance
(4K)
free with in-app purchases
17
Exchange Bank Mobile Banking
Exchange Bank Mobile Banking
Exchange Bank Mobile Banking
by Exchange Bank Mobile
Free

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, view transactions, and communicate securely with your bank anytime, anywhere. Access branch information and hours conveniently.

Check balances 24/7View pending transactionsFunds transfers
💰 Finance
(2.8K)
ad-supported
18
CIBC Caribbean Mobile
CIBC Caribbean Mobile
CIBC Caribbean Mobile
by FirstCaribbean International Bank Ltd
Free

Manage your finances on the go with this banking app. Easily pay bills, transfer funds between accounts, and check your transaction history. Monitor your balance with custom thresholds and locate nearby branches or ATMs.

Transfer funds instantlyCheck account balancesReview transaction history
💰 Finance
(13K)
free
19
Great Southern Mobile
Great Southern Mobile
Great Southern Mobile
by Great Southern Bank
Free

Manage your finances on the go with this secure mobile banking app. Set up alerts, make payments, transfer funds, deposit checks remotely, and manage your debit card. Access statements and find nearby branches or ATMs.

Set up balance alertsMake payments to companies and friendsTransfer money between accounts
💰 Finance
(8.3K)
free with in-app purchases
20
Fidelity Bank Mobile App
Fidelity Bank Mobile App
Fidelity Bank Mobile App
by Fidelity Bank N.A.
Free

Manage your Fidelity Bank accounts on the go. Monitor balances, review transactions, deposit checks, pay bills, and transfer funds. Securely send and receive money with Zelle® and find nearby branches.

Mobile check depositAccount monitoringSend and receive money with Zelle®
💰 Finance
(2.6K)
free

FAQ about Balance Transfer

What are the best balance transfer apps for iPhone?
Self - Credit Builder & Cards tops our balance transfer apps ranking as of July 2026, with a 4.9-star average from 324K App Store ratings, and it's free to download.
Yes — 20 of the top balance transfer apps we rank are free to download, including Self - Credit Builder & Cards and Kikoff – Build Credit Quickly.
Self - Credit Builder & Cards has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
The Self app helps users build credit and savings simultaneously through various tools. It offers features like credit builder accounts, a secured credit card with no credit check, and the ability to report rent and utility payments to credit bureaus. It also provides quick cash advances for unexpected expenses.
You can build credit by opening a credit builder account, which requires regular payments that are reported to the three major credit bureaus. Additionally, the app offers a secured Visa credit card with no credit check, and you can report rent and utility payments to establish positive payment history, a key factor in credit scores.