Best Laid O Apps

29+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated October 2026

With an average user rating of 4.7★, the laid o category is one of the App Store's strongest. Browse all 29+ apps we track, sorted so the most loved ones surface first.

Compare top Laid O Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Cash AppCash AppFree4.8★ (8.8M)NoNoOct 2026
2VenmoVenmoFree4.8★ (15M)NoNoOct 2026
3SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7★ (385K)NoNoOct 2026
4LA WalletLA WalletFree3.4★ (1.2K)NoNoOct 2026
5Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.9M)NoNoOct 2026
6OnePay – Mobile BankingOnePay – Mobile BankingFree4.9★ (481K)NoNoOct 2026
7PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoOct 2026
8Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.8M)NoNoOct 2026

Top Picks for Laid O

Cash App#1

Cash App by Block, Inc.

Money. Debit Card. Bitcoin.
Editor's Choice
💰 Finance
4.8😞(8.8M ratings)
Free
#5in Finance
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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.

What We Love

  • 💳 Easy money transferring
  • 🚀 Convenient and user-friendly app
  • 🤑 Referral bonuses and discounts
  • 🤑 Free tax filing
  • 🤑 Borrow money feature

Room to Improve

  • 🔒 Security issues and account hacking
  • 🤖 Poor customer service and lack of live support
  • 💰 Unexpected fees and charges
  • 🔍 Unclear account restrictions and limits
  • 🐛 App crashes and technical issues
Venmo#2

Venmo by Venmo

Send Money, Debit card
Strong Contender
💰 Finance
4.8😞(15M ratings)
Free
#3in Finance
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A fast, safe, and social way to send and receive money with friends and family. Easily split bills, buy crypto, and manage your finances with integrated debit and credit cards.

What We Love

  • 🚀 Reliable, user-friendly, and convenient
  • 🔒 Robust security features
  • 👍 Untrustworthy vendor protection
  • 💡 Investing feature built-in

Room to Improve

  • 🐛 Buggy and glitchy app
  • 🔒 Weak account security
  • 🔒 Unreliable customer support
  • 💰 Holds funds without explanation
  • 💰 Freezes accounts without notice
  • 💰 Difficult to access own money
SoFi: Bank, Invest & Crypto#3

SoFi: Bank, Invest & Crypto by Social Finance, LLC

Online Banking & Investing
Worth Considering
💰 Finance
4.7😐(385K ratings)
Free
#19in Finance
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Manage your banking, investments, and cryptocurrency all in one place. This app offers fee-free checking, high-yield savings, commission-free stock trading, and the ability to buy, sell, and hold over 25 cryptocurrencies. It also provides tools for loan pre-qualification and credit score monitoring.

What We Love

  • 🚀 Convenient all-in-one finance app
  • 💰 Competitive interest rates on savings
  • 👍 Intuitive and user-friendly interface
  • 📈 Integrated investment platform
  • 💳 Useful credit card with rewards
  • 🔒 Secure account management

Room to Improve

  • 🐛 Buggy and unreliable account management
  • 🕰️ Slow money transfer and withdrawal process
  • 💸 Unwarranted account freezes and fund holds
  • 🤖 Poor and unresponsive customer service
  • 📈 Cluttered app with too many upsells
  • 🔍 Difficulty verifying identity and updating info

More Laid O apps to explore

FAQ about Laid O

What are the best laid o apps for iPhone?
Cash App tops our laid o apps ranking as of October 2026, with a 4.8-star average from 8.8M App Store ratings, and it's free to download.
Yes — 20 of the top laid o apps we rank are free to download, including Cash App and Venmo.
Cash App has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 29+ laid o apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.