Best P2P Payments Apps

82+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Out of 82+ p2p payments apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top P2P Payments Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1FLO - Secure P2P PaymentsFLO - Secure P2P PaymentsFreeNoNoJul 2026
2BE$TOW: Private P2P PaymentsBE$TOW: Private P2P PaymentsFree4.0★ (16)NoNoMay 2026
3Krak: Money App & CardKrak: Money App & CardFree4.6★ (462)YesNoJul 2026
4Cash AppCash AppFree4.8★ (8.6M)NoNoJul 2026
5Alif: pay, transfer, shopAlif: pay, transfer, shopFree4.8★ (2.7K)NoNoJul 2026
6FundzFundzFree3.7★ (16)NoNoMay 2026
7AnywaypayAnywaypayFree5.0★ (33)YesYesMay 2026
8First Iraqi BankFirst Iraqi BankFree4.4★ (4.9K)YesNoJul 2026

Top Picks for P2P Payments

BE$TOW: Private P2P Payments#2

BE$TOW: Private P2P Payments by HORUS FOSTER INC

TAP & GO to PAY & SHARE
Strong Contender
💰 Finance
4.0(16 ratings)
Free
BE$TOW: Private P2P Payments screenshot 1
BE$TOW: Private P2P Payments screenshot 2
BE$TOW: Private P2P Payments screenshot 3
BE$TOW: Private P2P Payments screenshot 4
BE$TOW: Private P2P Payments screenshot 5
BE$TOW: Private P2P Payments screenshot 6

Facilitate private peer-to-peer payments and information sharing with a simple tap. This patented technology allows for anonymous transactions and instant digital content exchange without needing recipient details or QR codes.

Krak: Money App & Card#3

Krak: Money App & Card by Kraken

Spend, Send & Grow Your Money
Worth Considering
💰 Finance
4.6😊(462 ratings)
FreeAds
Krak: Money App & Card screenshot 1
Krak: Money App & Card screenshot 2
Krak: Money App & Card screenshot 3
Krak: Money App & Card screenshot 4
Krak: Money App & Card screenshot 5
Krak: Money App & Card screenshot 6

Send and receive money globally with ease using this app. It facilitates instant peer-to-peer payments in over 160 countries, supporting numerous currencies and crypto assets. Enjoy transparent fees and earn rewards for transactions and referrals.

What We Love

  • 👍 User-friendly app
  • 💡 Competitive yield on USDG
  • 🚀 Instant global money transfers
  • 🚀 No fees for money transfers

Room to Improve

  • 🐛 Crashes on launch
  • 🐛 Confusing UI/UX
  • 💰 Unexpected fees

More P2P Payments apps to explore

4
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
5
Alif: pay, transfer, shop
Alif: pay, transfer, shop
Alif: pay, transfer, shop
Instant Transfers & Payments
Free

Manage all your cards, make instant payments for services, and transfer money domestically and internationally. Enjoy cashback, installment options, and secure transactions with online identification and multilingual support.

Instant payments for servicesDomestic and international money transfersLink multiple bank cards
💰 Finance
(2.7K)
free
6
Fundz
Fundz
Fundz
Contactless pay, digital funds
Free

Easily manage your money and conduct digital transactions for everyday activities. Send and request funds, create shared monetary funds for events, and securely withdraw your balance to your bank account.

Send and request moneyCreate shared funds for eventsTrack transactions
💰 Finance
(16)
free
7
Anywaypay
Anywaypay
Anywaypay
Unifying P2P Payments
Free

Consolidate all your payment collection methods into a single, shareable link. Easily receive money from others by letting them choose their preferred payment service from your unified profile. Streamline transactions and track requests without complicated back-and-forth.

Unified payment linkSupports multiple payment servicesCustomizable profile
💰 Finance
(33)
free with in-app purchases
8
First Iraqi Bank
First Iraqi Bank
First Iraqi Bank
Mobile Banking for Iraq
Free

This app offers a fully digital banking experience, allowing users to open accounts in minutes, deposit and withdraw cash via merchants, and manage finances. It supports multiple currencies, peer-to-peer transfers, bill payments, and saving goals.

Digital account openingCash deposit/withdrawal via merchantsQR code payments
💰 Finance
(4.9K)
ad-supported
9
Bluebird App
Bluebird App
Bluebird App
by HI Technology Corp
Free

Manage your finances on the go with a flexible and convenient financial account. Add cash fee-free, get paid early, and make purchases or withdraw cash without monthly fees. Securely control your money with 24/7 customer service.

Fee-free account managementEarly direct depositMobile check deposit
💰 Finance
(22K)
free with in-app purchases
10
Venmo
Venmo
Venmo
Send Money, Debit card
Free

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.

Send and receive moneySplit payments among friendsBuy, hold, and sell cryptocurrency
💰 Finance
(15M)
free with in-app purchases
11
El Dorado: Câmbio de dólar P2P
El Dorado: Câmbio de dólar P2P
El Dorado: Câmbio de dólar P2P
O SuperApp da América Latina
Free

Manage your money across Latin America with this powerful financial app. Send, receive, convert, and store funds easily with a streamlined experience. Explore Mini Apps for US dollar accounts, P2P transactions, and future crypto and card features.

Send money internationallyConvert currencies instantlyManage US dollar accounts
💰 Finance
(1.5K)
free
12
University Credit Union
University Credit Union
University Credit Union
by University Credit Union (CA)
Free

Manage your finances conveniently from your iPhone. Access account information, pay bills, transfer funds, and deposit checks securely. This app offers the freedom to bank on the go, providing a financial advantage.

Check account balancesView transaction historyMake loan and credit card payments
💼 Business
(4.5K)
free
13
Platon: P2P
Platon: P2P
Platon: P2P
by Online Payments LLC
Free
💰 Finance
(0)
14
iPay Qatar
iPay Qatar
iPay Qatar
The next generation e-wallet
Free

This e-wallet app offers a fast, secure, and convenient way to manage your finances. Perform local and international transfers, pay merchants, and settle utility bills with ease. Sign up in under 60 seconds and enjoy real-time tracking of your transactions.

Local and international transfersMerchant and utility paymentsBiometric security
💰 Finance
(36)
free
15
West Community Credit Union
West Community Credit Union
West Community Credit Union
Banking on You.
Free

Securely manage your finances on the go. Check balances, transfer funds, deposit checks, pay bills, and track spending. Access account details and card controls from your mobile device.

Secure biometric loginAccount dashboardTransaction history
💰 Finance
(2.2K)
free
16
OmniPay — Biometric Payments
OmniPay — Biometric Payments
OmniPay — Biometric Payments
Face ID Wallet & P2P Payments
Free

This app allows you to make secure payments using your face as authentication. Send money instantly to friends or pay merchants by scanning a QR code. It offers bank-grade security and integrates with Apple Wallet.

Face ID payment authorizationVirtual Payment AddressInstant P2P transfers
💰 Finance
(1)
free
17
AmpaCash Mobile Payment App
AmpaCash Mobile Payment App
AmpaCash Mobile Payment App
Supports Micropayments & P2P
Free

A global digital wallet for fast, secure payments, from small creator tips to large money transfers. Features patented video and voice verification for enhanced control and offers travel essentials like eSIMs and gift cards.

Micropayments and large transfersPatented video/voice transaction verificationGlobal multi-currency support
💰 Finance
(4)
free
18
Octopus 八達通
Octopus 八達通
Octopus 八達通
by Octopus Cards
Free

Manage your everyday finances and payments with this app. Top up transit cards, pay bills online, and earn rewards. It also offers prepaid cards for global shopping and enhanced spending control.

Top up Octopus cardsCheck expenses and subsidiesMobile Octopus for iPhone/Apple Watch
💰 Finance
(2.4K)
free with in-app purchases
19
payme - переводы и платежи
payme - переводы и платежи
payme - переводы и платежи
Оплата услуг, интернета и ЖКХ
Free

This app simplifies your financial life by allowing you to pay bills, transfer money, and manage expenses all in one place. Enjoy commission-free payments, earn bonuses, and even pay in stores using QR codes. Track your spending with detailed analytics and access exclusive features with a subscription.

Pay bills and fines without commissionCard-to-card money transfersEarn bonuses and cashback
💰 Finance
(8.4K)
freemium
20
Pay by Sovren
Pay by Sovren
Pay by Sovren
P2P crypto wallet & rewards
Free

Manage your digital assets and blockchain rewards with this secure peer-to-peer payment app. Send supported cryptocurrencies to others and store various tokens in your digital wallet.

Peer-to-peer crypto paymentsDigital asset walletBlockchain rewards management
💰 Finance
(62)
free

FAQ about P2P Payments

Are there free p2p payments apps for iPhone?
Yes — 20 of the top p2p payments apps we rank are free to download, including FLO - Secure P2P Payments and BE$TOW: Private P2P Payments.
FLO - Secure P2P Payments has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 82+ p2p payments apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.