Best Pay Friends Apps

227+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Splitwise is the household name in pay friends, but it's far from the only option. We track 227+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Pay Friends Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SplitwiseSplitwiseFree3.9★ (27K)NoYesAug 2026
2ToChat - Meet New FriendsToChat - Meet New FriendsFree4.5★ (5.7K)NoYesAug 2026
3PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoAug 2026
4Skrill - Pay & Transfer MoneySkrill - Pay & Transfer MoneyFree4.6★ (24K)NoNoAug 2026
5Paidwork: Make MoneyPaidwork: Make MoneyFree4.3★ (6.2K)YesNoAug 2026
6Moneypool: Payments w/ friendsMoneypool: Payments w/ friendsFree4.9★ (1.2K)NoNoAug 2026
7Cash AppCash AppFree4.8★ (8.6M)NoNoAug 2026
8Switch: Move Money Your WaySwitch: Move Money Your WayFree4.4★ (500)NoYesAug 2026

Top Picks for Pay Friends

Splitwise#1

Splitwise by Splitwise, Inc.

Split expenses with friends
Editor's Choice
💰 Finance
3.9😊(27K ratings)
FreeIn-App Purchases
#30in Finance
Splitwise screenshot 1
Splitwise screenshot 2
Splitwise screenshot 3
Splitwise screenshot 4
Splitwise screenshot 5

Easily track shared expenses with friends and family, eliminating the stress of who owes whom. Organize group bills for households, trips, and more with a simple, intuitive interface. Supports multiple currencies and payment integrations.

What We Love

  • 🚀 Simplifies splitting expenses
  • 👍 Easy to use and intuitive
  • 💡 Helpful for group trips and shared living
  • 🚀 Convenient payment integration

Room to Improve

  • 🐛 Confusing settle up process
  • 🐛 Inaccurate receipt scanning
  • 💰 Subscription model too expensive
ToChat - Meet New Friends#2

ToChat - Meet New Friends by ByteWave Corporation

AI Picks for Real Chats
Strong Contender
🌟 Lifestyle
4.5😞(5.7K ratings)
FreeIn-App Purchases
#47in Lifestyle
ToChat - Meet New Friends screenshot 1
ToChat - Meet New Friends screenshot 2
ToChat - Meet New Friends screenshot 3
ToChat - Meet New Friends screenshot 4
ToChat - Meet New Friends screenshot 5
ToChat - Meet New Friends screenshot 6

Discover and connect with new people for genuine friendships. This app also offers a unique AI companion for judgment-free conversations and emotional support. Find someone to talk to, relieve stress, and feel less alone.

What We Love

  • 👍 Friendly app
  • 🚀 Quick matching
  • 🔒 Verified user profiles
  • 📽️ Smooth video chat experience

Room to Improve

  • 💰 Expensive to maintain conversations
  • 🤖 Presence of fake/bot accounts
  • 🚫 Limited free messaging
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
PayPal - Pay, Send, Save screenshot 3
PayPal - Pay, Send, Save screenshot 4
PayPal - Pay, Send, Save screenshot 5
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 Pay Friends apps to explore

4
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Fast, secure online payments
Free

Easily send money globally, make secure online payments, and manage your finances. This app offers fast, cheap, and secure transactions, with options for a prepaid Visa card and multiple funding methods. Receive real-time notifications and enjoy customer support in your language.

Global money transfersSecure online paymentsSkrill VISA® Prepaid Card
💰 Finance
(24K)
free with in-app purchases
5
Paidwork: Make Money
Paidwork: Make Money
Paidwork: Make Money
Get paid wherever you are
Free

Earn money from any device with internet access by completing various tasks like surveys, typing, and online shopping. Set your own hours and withdraw earnings quickly via bank transfer or PayPal. Refer friends for bonuses.

Complete surveysType textsOnline shopping
💰 Finance
(6.2K)
free with in-app purchases
6
Moneypool: Payments w/ friends
Moneypool: Payments w/ friends
Moneypool: Payments w/ friends
Pool money with friends
Free

Easily collect money from friends for group events like dinners, trips, or gifts. Create a payment link to share, allowing friends to pay without downloading the app. Track all payments in one place and avoid manual tracking or awkward reminders.

Create payment linksShare links easilyFriends pay without app download
💰 Finance
(1.2K)
free with in-app purchases
7
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
8
Switch: Move Money Your Way
Switch: Move Money Your Way
Switch: Move Money Your Way
Banking, Events & Debit Cards
Free

This app simplifies group finances by allowing users to create shared bank accounts and debit cards, collect money for events, and manage group spending. It offers a fee-free experience with cash back rewards and exclusive perks.

Shared bank accounts and debit cardsGroup money collection with MoneyPoolsReal-time spending notifications
💰 Finance
(500)
free with in-app purchases
9
Ria Money Transfer
Ria Money Transfer
Ria Money Transfer
International Remittance App
Free

Easily send money internationally to friends and family worldwide. This app offers secure and fast transfers to over 190 countries with multiple delivery options. Track your transfers and check exchange rates conveniently.

International money transfersSend to 190+ countriesCash pickup locations
💰 Finance
(278K)
free with in-app purchases
10
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Fast international payments
Free

Send money internationally with a secure and reliable service. Supports over 170 countries and 100 currencies, with various delivery options including bank accounts, mobile wallets, and cash pickup. Offers business services for international payroll and payments.

International money transfersSupport for 170+ countriesMultiple delivery options
💰 Finance
(2.7M)
free with in-app purchases
11
GYDO. Buy A Friend A Drink
GYDO. Buy A Friend A Drink
GYDO. Buy A Friend A Drink
Gifting Drinks To Friends
Free

Send a drink to friends anywhere in the world. This social gifting platform lets you buy beverages at their favorite local spots, perfect for celebrating milestones from afar. Funds are stored digitally for easy redemption.

Gift drinks globallySocial gifting platformDigital gift cards
🍔 Food & Drink
(57)
free
12
Timeleft: Make New Friends IRL
Timeleft: Make New Friends IRL
Timeleft: Make New Friends IRL
Meet New People & Make Friends
Free

This app connects you with like-minded individuals for in-person meetups like dinners, coffee, or runs. It focuses on personality-based matching and curated experiences to foster genuine friendships without endless swiping.

Personality-based matchingCurated in-person meetupsGroup dinners and drinks
🌐 Social Networking
(7.9K)
free with in-app purchases
13
Metal Pay: Buy Bitcoin and ETH
Metal Pay: Buy Bitcoin and ETH
Metal Pay: Buy Bitcoin and ETH
Buy Bitcoin. Send to Friends.
Free

Easily buy, send, and trade popular cryptocurrencies like Bitcoin and Ethereum. Fund your account with a linked bank card and transact with friends for free. Instantly acquire crypto even while cash transactions are pending.

Buy Bitcoin and EthereumSend crypto to friendsTrade USDC with 0% fees
💰 Finance
(4.3K)
free with in-app purchases
14
Kndrd: Make Friends IRL
Kndrd: Make Friends IRL
Kndrd: Make Friends IRL
Meet friends, chat & hang out
Free

Connect with people in your city for real-life activities and shared experiences. Propose plans or join existing ones to discover new friends for concerts, drinks, or hobbies. The app also features a community forum for advice and recommendations.

Propose and join real-life plansFind friends for activitiesAutomatic group chats for plans
🌐 Social Networking
(2.6K)
free
15
RealRoots: Make new friends
RealRoots: Make new friends
RealRoots: Make new friends
The friendship app for women
Free

This app facilitates genuine connections by organizing guided group hangouts with curated conversations and activities. An AI coach helps plan your social calendar and offers support, making it easy to build new friendships without the usual awkwardness.

Guided hangoutsAI coach for planningCurated experiences
🌟 Lifestyle
(1.2K)
free
16
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
17
PayMate - Pay your mates
PayMate - Pay your mates
PayMate - Pay your mates
by Alternative Payments Ltd
Free
💰 Finance
(0)
18
222 - find your people.
222 - find your people.
222 - find your people.
explore serendipity.
Free

Discover genuine connections and local experiences without endless scrolling or profiles. This app facilitates serendipitous encounters in public group settings, connecting you with compatible people based on your preferences.

Discover compatible peopleExplore local social experiencesNo profiles or DMs
🌟 Lifestyle
(5.9K)
ad-supported
19
BFF: Make friends & meet up
BFF: Make friends & meet up
BFF: Make friends & meet up
Friendship app by Bumble
Free

Connect with millions to build lasting friendships. Discover people who share your interests, hobbies, and life stage. This platform offers tools to express yourself, find compatible matches, and engage in chats or groups to plan real-world meetups.

Connect with millions of usersFind friends based on shared interestsProfile customization with bios and prompts
🌐 Social Networking
(7.8K)
free
20
1Q: Earn Easy Cash for Surveys
1Q: Earn Easy Cash for Surveys
1Q: Earn Easy Cash for Surveys
Make Money, Get Paid Instantly
Free

Get paid instantly for sharing your opinions with top brands. Earn up to $0.25 per question directly to your PayPal account. Simply answer surveys and refer friends to increase your earnings.

Instant cash payments via PayPalEarn up to $0.25 per questionNo minimum cash-out amount
🌟 Lifestyle
(25K)
free

FAQ about Pay Friends

What are the best pay friends apps for iPhone?
Splitwise tops our pay friends apps ranking as of July 2026, with a 3.9-star average from 27K App Store ratings, and it's free to download.
Yes — 20 of the top pay friends apps we rank are free to download, including Splitwise and ToChat - Meet New Friends.
Splitwise has no ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 227+ pay friends apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Splitwise is an application designed to help users easily track and manage shared expenses with friends, family, and roommates. It simplifies the process of figuring out who owes whom, reducing awkwardness and stress around money.
Key features include creating groups or private friendships, adding expenses in any currency (even offline), simplifying debts into repayment plans, splitting costs equally or unequally, and recording payments. It also offers recurring bills, expense categorization, and the ability to export data to CSV.