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Venmo
Peer-to-peer payments
Can invest in crypto
Offers Amex Send & Split feature to qualifying cardmembers
Peer-to-peer payments as well as banking services1 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p>
Direct deposit and possible to get paycheck up to two days early – up to two days earlier than most banks2 <p>Your first deposit may take longer depending on your employer.</p>
Cash App and Venmo are peer-to-peer payment apps you can use to send and receive money quickly. Both also include helpful features, including ATM withdrawals, instant transfers, and various payment methods. But each app is better in different scenarios.
If you frequently make international transfers, want to link your debit card to your payment app, or even like a convenient way to file your taxes (for free), I'd recommend Cash App.
That said, if you need a payment transfer app for your business, you want to invest in crypto, or you're an American Express credit cardholder, I'd go with Venmo.
Cash App and Venmo are peer-to-peer payment apps you can use to send and receive money quickly. Both also include helpful features, including ATM withdrawals, instant transfers, and various payment methods. But each app is better in different scenarios.
If you frequently make international transfers, want to link your debit card to your payment app, or even like a convenient way to file your taxes (for free), I'd recommend Cash App.
That said, if you need a payment transfer app for your business, you want to invest in crypto, or you're an American Express credit cardholder, I'd go with Venmo.
How we rate products
We know checking and savings accounts can be critical tools for managing your money. They're one of the financial tools you use the most. That's why the features offered by a bank matter so much and we've taken that into consideration in our evaluations.
We consider the annual percentage yield (APY), account features, minimum opening balance required, fees, customer service, and FDIC insurance. The best banks also offer a variety of account types and the support you need to you make the most of your money.
We intensively research all products and services we review, and our team members personally use a wide array of financial products. Our product rankings and scores are based on objective measurements and product features as well as expert opinions from our editorial team.
Featured Checking Accounts
5.0
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AWARD WINNERBest Online Checking
SoFi Checking & Savings - Earn Up to $400 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.30% APY3 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/" >sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for up to 6 Months on new accounts. Terms Apply.4 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
Cash App and Venmo have similar fee structures for their primary services, including sending and receiving money. But you might find a few differences in each app's transfer limits and payment methods. This table gives a quick overview of how the two apps compare.
Best for
Businesses, crypto investing, American Express users
International transfers, debit card, tax filing
Fees
$0 for standard bank deposits and sending money with Venmo balance, debit card, or linked bank account
Variable network fees for cryptocurrency transfers
$0 for standard deposits and sending money with Cash App balance or linked bank account
0.5%-1.75% for instant transfers
3% to send money with a credit card
$2.50 ATM withdrawal fee
0.75% to 3% for buying Bitcoin
Payment methods
Send money:
Venmo balance
Linked bank account
Debit or credit card
Amex Send account
Spend on purchases:
Venmo balance
Venmo debit card
Venmo credit card
Send money:
Cash App balance
Linked bank account
Debit or credit card
Spend on purchases:
Cash App balance
Cash Card debit card6 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card (https://cash.app/legal/us/en-us/card-agreement), Sutton debit flex card (https://cash.app/legal/us/en-us/debit-flex-card-agreement-sutton), and Bancorp debit flex card (https://cash.app/legal/us/en-us/debit-flex-card-agreement-bancorp).</p>
Mobile wallets (Apple Pay and Google Pay) with a Cash Card
Here's a breakdown to help you decide between Cash App and Venmo.
When you should choose Cash App
You want to make international transfers
Venmo requires you to be physically located in the U.S., which means users in other countries can't use its services. I found this out the hard way at a flea market in London.
However, you might still be able to send and receive money from other U.S.-based Venmo users, even if you're traveling abroad. Just don't expect to use it with any non-U.S.-based users. To be able to shop at that flea market, I had to go get cash from an ATM.
Tip
Cash App beats Venmo for international transfers. Cash App still isn't available everywhere, but it is available in the U.K., which increases its functionality worldwide. That's not a much wider reach, but it's still more than what Venmo offers. (And it would've helped me during my shopping conundrum!)
You want a debit card linked to a transfer app
Both Venmo and Cash App offer debit cards you can link to your account, but we think Cash App's offering is more impressive here. While the Venmo Debit Card earns up to 5% cash back, the offers can be pretty limited and don't extend to every category.
The Cash App Card also has offers that change and vary by category7 <p>Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See <a href="https://cash.app/legal/us/en-us/tos">Terms and Conditions</a> for more information. </p><p>Offers provided by Cash App, a Block, Inc. brand. Offers not affiliated with third party merchants.</p> , but a lot of users report them being more practical for everyday spending than Venmo's. Cash App also applies these as discounts on your spending for more immediate savings. Plus, you can enable round-ups to automatically top up your debit card purchases and send the extra cents to your savings or investing balance.8 <p class="">Round Ups provided by Cash App, a Block, Inc. brand.</p>
Both debit cards can be added to your Apple Pay or Google Pay wallet.
You want to file taxes
Cash App rolled out a free tax filing tool back in 2021 (actually, it took over Credit Karma Tax and rebranded under the Cash App name), and it's not a bad option for processing your state and/or federal tax return. Other tax filing software will be better for trickier tax scenarios, but if you have straightforward taxes because you're taking the standard deduction and earning W-2 income, for example, Cash App Taxes is easy to use.
The platform's software can also support forms for investing income, business income, and plenty of itemized deductions, but it isn't a good choice if you want help squeezing out savings or getting the most personalized recommendations because you're pretty much on your own when filing.
Venmo doesn't offer any form of tax filing support.
When you should choose Venmo
You own a business
If you own a business and want to accept payments through a transfer app, Venmo has an edge over Cash App. Venmo charges lower fees for business transactions, with a standard fee of 1.9% + $0.10 of the payment total for payments that come directly from another person's Venmo account. For Tap to Pay transactions, the fee is 2.29% + $0.10 of the payment total.
Contrast that with Cash App's business processing fee of 2.75% on any Cash App for Business transaction, and you're likely to save a bit of money as a business owner if you use Venmo. Plus, Venmo has millions more active users, so you may have an easier time finding potential customers or clients if you accept Venmo instead.
You want to invest in crypto
Investing is not as comprehensive as the best investment apps on Cash App or Venmo, but it's slightly better on Venmo for crypto. Cash App users can buy, sell, and trade Bitcoin through the app and invest in stocks. While Venmo doesn't allow you to invest in stocks, you can invest in cryptocurrencies, including Bitcoin, Ethereum, Bitcoin Cash, and Litecoin. However, I wouldn't recommend keeping large sums of crypto on these platforms. You'll want to transfer it to your crypto wallet if you plan to hold it securely in the long term.
This category has no overall winner because it depends on your situation and investing preferences. For example, if you're more interested in the cryptocurrencies offered by Venmo and don't want to invest in stocks, Venmo may be a more suitable option. But if you want to invest in stocks and Bitcoin, Cash App might make more sense.
However, I would trust an established investing-specific app over Cash App or Venmo. If you feel the same, this category may be a non-issue.
You have an Amex card
You typically have to choose a payment method if you want to send money to someone else using a payment service. Both Cash App and Venmo accounts offer payment methods such as using a credit card, a debit card, a linked bank account, or your account balance. However, with Cash App, you can also use Apple Pay and Google Play by connecting them to your Cash Card.
Venmo offers an Amex Send feature that lets you use American Express cards without paying the standard cash advance credit card fee. Keep in mind that you likely won't receive any rewards (if applicable) for credit cards used this way, but it's still a unique feature that's probably more useful than what Cash App offers.
What both apps excel at
Money apps often overlap in many ways, and it's no different with Cash App and Venmo. Both mobile payments apps offer the same primary service of sending and receiving money. Here are some of the features and benefits that Cash App and Venmo share:
Sending and receiving money: Both apps' main feature is sending and receiving money, including sending money with a credit card. So rather than carrying cash on you at all times, you can pull out your phone and pay someone with either app. This can be helpful if you split rent among roommates, want to pay your friend back for a nice meal they covered, or are divvying up vacation costs among a group.
No hidden fees: Both apps are free to download, and neither charges a monthly maintenance fee. You also won't have to pay high fees to send and receive money unless you want a faster transfer.
Transfer limits: Both apps have sending and spending limits for new users that can be increased if you go through a verification process. This process typically includes sending documentation or additional personal information. For Cash App, you can send and receive up to $1,000 per 30-day period for unverified accounts, and limits vary by user for verified accounts. For Venmo, you can send up to $299.99 per 7-day period with no receiving limit for unverified accounts. For verified, you can send up to $60,000 in person-to-person payments per 7-day period.
Transfer speed options: Cash App and Venmo have standard or instant transfer options. Standard transfers are typically free and take one to three business days. Instant transfers on Cash App have a transaction fee that ranges between 0.5% and 1.75%. For Venmo, that fee is 1.75% up to $25.
Supported devices: It's simple to get started with either app on any iOS or Android device or through a web browser. The Cash App and Venmo apps are available on the App Store and Google Play.
4.3
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Our partners do not influence our ratings.
Enjoy $400 as a new Chase checking customer
When you open a new Chase Total Checking® account with qualifying activities.9 <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $1,000 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> FDIC Insured. Offer valid through 4/15/2026.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Use Cash App As Your All-in-One Financial Services Platform
Bank1 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p> without all the fees—save, send, and spend your money the way you want.10 <p class="">Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>. </p> Get paid up to 2 days early – up to 2 days earlier than most banks2 <p>Your first deposit may take longer depending on your employer.</p>
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Bank of America Advantage Banking
Up to $500 cash offer. Click ‘Learn More' for more details. Bank of America, N.A. Member FDIC.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
AWARD WINNERBest Online Checking
SoFi Checking & Savings - Earn Up to $400 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.30% APY3 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/" >sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for up to 6 Months on new accounts. Terms Apply.4 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
One isn't necessarily safer than the other. Cash App and Venmo are money transfer apps, which are inherently risky since their services involve sending money to other people. But if you stick to sending money to friends and family, you likely won't run into any issues involving scams. Additionally, both apps use encryption and other protection methods to help ensure your account information is kept secure.
Are Cash App and Venmo FDIC-insured?
No, not entirely. If you have a Cash Card with Cash App, the money in your Cash App account balance is covered by the FDIC through partner banks (this is called "FDIC pass-through insurance") in case of bank failure.11 <p>Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>. </p>
Similarly, funds held in your Venmo account are only eligible for FDIC pass-through insurance if you've added money to your account via mobile check deposit or direct deposit.
Is Venmo cheaper than Cash App?
Neither Venmo nor Cash App charges account or maintenance fees (more on Cash App fees). You also don't have to worry about additional fees for sending money as long as you use your account balance or a linked bank account or debit card for the transfer. Overall, neither app is significantly cheaper than the other for sending and receiving money.
Why do people choose Cash App over Venmo?
Some people may choose Cash App over Venmo because, with Cash App, you can pay and receive money from anyone if you have their email address, phone number, or $Cashtag. This might make it a preferred way to send money to people you don't know.
On the other hand, Venmo typically focuses on networking with friends and family members and functions similarly to a social media network, complete with emojis.
People may also choose Cash App over Venmo for its added features. For instance, with Cash App, you can use it for making money transfers, filing your taxes, taking out a loan, and more.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
AWARD WINNERBest Online Checking
High APY of up to 4.00% on Savings (3.30% APY3 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/" >sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for up to 6 Months on new accounts. Terms Apply.4 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
Paycheck access up to 2 days early with direct deposit12 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
No monthly maintenance or overdraft fees13 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a>.</p>
Streamlined savings and savings goals with Vaults
Access to a large ATM network14 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>
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