Best Cashless AI Apps

237+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Whether you're new to cashless ai or looking for an upgrade, our curated collection of 237+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Top Picks for Cashless AI

Cleo AI: Cash Advance & Budget#2

Cleo AI: Cash Advance & Budget by Cleo AI Ltd

Track, Budget, & Save Cash!
Strong Contender
💰 Finance
4.7😐(237K ratings)
FreeAds
#28in Finance
Cleo AI: Cash Advance & Budget screenshot 1
Cleo AI: Cash Advance & Budget screenshot 2
Cleo AI: Cash Advance & Budget screenshot 3
Cleo AI: Cash Advance & Budget screenshot 4
Cleo AI: Cash Advance & Budget screenshot 5
Cleo AI: Cash Advance & Budget screenshot 6

This AI-powered financial assistant helps you manage your money through conversational chat. It offers budgeting tools, savings accounts with high APY, credit building features, and cash advances without interest or credit checks.

What We Love

  • 🚀 Great service
  • 💡 Entertaining and easy to understand budgeting/finance app
  • 👍 Helpful in building credit and getting through hard times
  • 👍 Useful features like Spendr and Cleo Wallet

Room to Improve

  • 🐛 Bugs and issues with disconnecting bank accounts and canceling subscriptions
  • 🔒 Concerns about data privacy and security
  • 💰 Misleading subscription fees and charges
ChatLLM: AI Assistant & Chat#3

ChatLLM: AI Assistant & Chat by Abacus.AI, Inc.

DeepAgent, Voice & AI Creator
Worth Considering
📊 Productivity
4.8😊(2.3K ratings)
FreeAdsIn-App Purchases
ChatLLM: AI Assistant & Chat screenshot 1
ChatLLM: AI Assistant & Chat screenshot 2
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ChatLLM: AI Assistant & Chat screenshot 4
ChatLLM: AI Assistant & Chat screenshot 5
ChatLLM: AI Assistant & Chat screenshot 6

Access multiple advanced AI models for chat, content creation, and task automation. Features include an autonomous AI agent, real-time meeting transcription, and voice interaction. Generate images, videos, and code, or analyze documents with this comprehensive AI assistant.

What We Love

  • 💰 Cheap and powerful
  • 🔥 Amazing best on the market by far
  • 🔥 Abacus ai - Absolutely fabulous tool great work horse, The best value on the market
  • 🔥 The best of AI capabilities into a single, seamless platform!

Room to Improve

  • 🚫 No account creation
  • 📏 Can't adjust font size
  • 🚫 Doesn't show routing. Doesn't transcribe audio

More Cashless AI apps to explore

4
PayRange
PayRange
PayRange
by PayRange Inc.
Free

Pay for services at supported machines using your phone. Simply swipe on your screen to select a machine and authorize payment, eliminating the need for cash or coins. Enjoy a quick, secure, and convenient way to pay for vending, laundry, and more.

Pay with phone swipeSupports vending machinesSupports laundry machines
🔧 Utilities
(221K)
free with in-app purchases
5
OneUnited Bank: WiseOne AI
OneUnited Bank: WiseOne AI
OneUnited Bank: WiseOne AI
by OneUnited Bank
Free

This app offers AI-driven financial insights and management tools. It helps users create budgets, monitor credit, track spending, and achieve financial goals through conversational guidance and personalized alerts.

Conversational AI for financial advicePersonalized AI-driven insights and alertsAI-driven budgeting
💰 Finance
(10K)
free with in-app purchases
6
NinjaChat AI
NinjaChat AI
NinjaChat AI
Chat, Search, Create with AI
Free

Access multiple advanced AI models for chat, web search, image and video generation, and learning. This app consolidates various AI tools into a single, user-friendly interface, allowing you to choose the best model for any task without switching between applications.

Access 20+ AI modelsWeb search with sourcesGenerate images and video
📊 Productivity
(135)
free
7
cred.ai
cred.ai
cred.ai
you’re better than your bank™
Free

This app offers a premium mobile spending experience with a free metal card. It ensures you never pay fees or interest, helps build credit automatically, and allows early access to your paycheck. Enjoy advanced features for secure and controlled spending.

Free metal cardNo fees or interestAutomatic credit building
💰 Finance
(6.4K)
free with in-app purchases
8
Checkmate: Save While You Shop
Checkmate: Save While You Shop
Checkmate: Save While You Shop
Be Rewarded for Who You Are
Free

This AI-powered shopping network generates personalized offers based on your identity. Save money with tailored deals from a vast network of supported websites.

AI-generated personalized offersSave money on purchasesSupports 500,000+ websites
🛍️ Shopping
(13K)
ad-supported
9
Kudos: Put Your Wallet to Work
Kudos: Put Your Wallet to Work
Kudos: Put Your Wallet to Work
Your Wallet on Autopilot
Free

This personal finance app uses AI to automatically lower your bills, identify spending inefficiencies, and ensure you maximize credit card benefits. It consolidates all your financial cards into one dashboard and offers personalized card recommendations.

AI bill negotiationSpending insightsCard benefit tracking
💰 Finance
(9.1K)
free with in-app purchases
10
Finzo AI - هوش مصنوعی فینزو
Finzo AI - هوش مصنوعی فینزو
Finzo AI - هوش مصنوعی فینزو
AI Assistant & Content Creator
Free
📊 Productivity
(1)
11
Locally AI by LM Studio
Locally AI by LM Studio
Locally AI by LM Studio
Offline & Private AI Assistant
Free

This app allows you to run powerful AI models directly on your iPhone or iPad without an internet connection. Enjoy complete privacy as no data is collected or sent to servers. It's optimized for Apple devices, offering fast and private AI interactions.

Run AI models offlinePrivate and no data collectionSupports Llama, Gemma, Qwen, and more
📊 Productivity
(1.3K)
paid
12
1min AI
1min AI
1min AI
All-in-one AI App
Free

This application provides a suite of AI-powered tools, leveraging multiple AI models to offer a wide range of functionalities. It is constantly being updated with new features.

Multiple AI modelsDiverse AI featuresContinuous expansion of features
🛠️ Developer Tools
(88)
free with in-app purchases
13
Touch ‘n Go eWallet
Touch ‘n Go eWallet
Touch ‘n Go eWallet
It’s the way to GO
Free

Manage your finances, pay bills, invest, and travel with a secure digital wallet. Access a wide range of financial services, rewards, and lifestyle perks all in one place.

Secure digital walletBill payments and reloadsInvestments and savings
💰 Finance
(4.3K)
free with in-app purchases
14
Pika - AI Agent
Pika - AI Agent
Pika - AI Agent
Give birth to your own AI
Free

Create and train a personalized AI agent with human-like characteristics. This multi-modal AI can be your creative partner, assisting with tasks across text, voice, image, and video. It remembers your preferences and integrates with various platforms to help you create content and scale your presence.

Personalized AI agent creationHuman-like personality and memoryMulti-modal content generation (text, voice, image, video)
🔧 Utilities
(126)
free
15
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $400 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
💰 Finance
(353K)
free with in-app purchases
16
Wing Bank
Wing Bank
Wing Bank
Enjoy Cashless Transactions!
Free

This mobile banking app allows users to send and receive money domestically and internationally, pay bills, top up phone credit, and shop online using QR codes or a virtual Mastercard. It offers a secure and convenient way to manage finances without needing physical cash or visiting bank branches.

Send and receive money globallyDomestic and international money transfersPay bills online
💰 Finance
(581)
free
17
Copper: Earn Cash
Copper: Earn Cash
Copper: Earn Cash
Receipts, Surveys & More!
Free

Earn real cash rewards by playing games and completing other opportunities. Get a guaranteed bonus for downloading your first game. Cash out quickly with no hidden fees.

Earn cash rewardsGuaranteed bonus for first game downloadPlay games to earn
💰 Finance
(94K)
ad-supported
18
Step: All-In-One Money App
Step: All-In-One Money App
Step: All-In-One Money App
Build, Spend, Save, and Borrow
Free

This app helps users build credit, earn cashback on purchases, and save money with high interest rates. It also offers early access to funds and opportunities to earn extra cash through various activities. The platform aims to improve financial independence and offers a secure, globally accepted Visa card.

Build credit for freeCashback on purchasesEarn interest on savings
💰 Finance
(81K)
free with in-app purchases
19
Mindute AI
Mindute AI
Mindute AI
Private AI, Runs On Your Phone
Free
📊 Productivity
(2)
20
AI Tools Mastery - Learnova
AI Tools Mastery - Learnova
AI Tools Mastery - Learnova
Courses, Prompts & Playground
Free

Master AI tools and apply your knowledge through practical projects and a hands-on playground. Access structured courses, ready-to-use prompts, and interactive quizzes to confidently integrate AI into your business, career, or daily life.

Structured AI coursesHands-on AI playgroundReady-to-use prompt library
📚 Education
(211)
free with in-app purchases