Best Apps For Paying Bills

Do you have a hard time keeping track of bills? Maybe you don’t forget to pay them, but you often have to go back and check the amount, due date, or other information. By keeping tabs on your bills when they’re due, how much they are, and who they’re from, you can avoid late payments or debt.

There are several great apps that help you keep track of your bills, giving you an overview of everything in one place.

Best Apps For Paying Bills

Best bill payment apps
List of the best apps
Mint
Prism
Bill Tracker
BillMinder
Bill Keeper
HomeBudget with Sync
XPay Life
Bills Monitor Pro
Cubber
1.Mint
FREE DOWNLOAD
Mint is personal finance app that stores all your expenses so you can overview your credit card, payment and, investment history. It also gives you savings and budgeting tips to help you stay with-in-budget.

Mint
Mint

Free Download

Website:
Not Available
Age rating:
Everyone
Category:
Not available
Publisher:
Intuit Inc.
Size:
Not available
Genre:
Not available
Christina Rodriguez
by Christina Rodriguez

reviewed on March 14, 2019
Mint is a great app for bill pay. It is a money managing app and also tracks your finances. It is easy to use and very helpful.

2.Prism
FREE DOWNLOAD
Prism is a free Android and iOS app that gathers and tracks your bills and eases the process of paying them. You can also set custom notification reminders and check all your balance.
Prism
Prism

Free Download

Website:
https://www.prismmoney.com/
Age rating:
4+
Category:
Finance,Utilities
Publisher:
Mobilligy, Inc.
Size:
135.36 MB
Genre:
Not available
by Jerry Daniels

reviewed on March 14, 2019
This one is a step above the reminder apps for bills and finances and all that not so fun but totally necessary stuff I deal with every day. I started More

Diane Davis
by Diane Davis

reviewed on March 22, 2018
I love having all of my bills organized and ready to be paid without having to log into multiple sites. Prism has streamlined my bill paying experienc More

3.Bill Tracker
PAID: $2.99
BillTracker is an app that will help track your bills such as water bills, car payment, and cell phone subscription. It stores your previous payments so it easier for you to pull up your invoice.

Bill Tracker
Bill Tracker

Free Download

Website:
Not Available
Age rating:
Not available
Category:
Not available
Publisher:
Not available
Size:
Not available
Genre:
Not available
Sarah Hernandez
by Sarah Hernandez

reviewed on March 14, 2019
This app is so helpful tracking my bills that are due. I would be lost without this app to remind me.

4.BillMinder
FREE DOWNLOAD
BillMinder is a mobile application which simplifies your life by bringing all your bills into one manageable place helping you to never pay another late fees. NO LONGER AVAILABLE
BillMinder
BillMinder

Website:
Not Available
Age rating:
Not available
Category:
Not available
Publisher:
Not available
Size:
Not available
Genre:
Not available
Carl Hansen
by Carl Hansen

reviewed on March 14, 2019
{UNABLE TO DO} It says: Sorry! This content is not available in your country yet. We’re working to bring the content you love to more countries as quickly as possible. Please check back again soon.

5.Bill Keeper
FREE DOWNLOAD
Bill Keeper is a free mobile application that allows you to pay on time all your bills and also track your expenses. It also shows advanced graphs with statistics to always have a quick overview of the situation.

Bill Keeper
Bill Keeper

Free Download

Website:
Not Available
Age rating:
4+
Category:
Finance
Publisher:
Appxy Information Technology Co., Ltd.
Size:
10.61 MB
Genre:
Not available
by Eugene Barnes

reviewed on March 14, 2019
On my God, there are finance and budgeting Apps coming at you from every direction. I’m still very dubious about putting so much personal financial in More

Alan Obrien
by Alan Obrien

reviewed on March 22, 2018
This app is OK, and just OK. There are features that feel forced (the lack of ability to choose a range of dates and see what is owed for one), and th More

6.HomeBudget with Sync
PAID: $4.99
HomeBudget is an integrated expense tracker designed to help you track your expenses, income, bills-due and account balances. It offers support for budgeting, and allows analysis of your expenses and income, including charts and graphs.

HomeBudget with Sync
HomeBudget with Sync

Free Download

Website:
Not Available
Age rating:
Not available
Category:
Not available
Publisher:
Not available
Size:
Not available
Genre:
Not available
Alice Guerrero
by Alice Guerrero

reviewed on March 14, 2019
I’ve been having trouble trying to keep a home budget. I tried the paper way, but I just don’t keep up with it like I should. Then one day as I was lo More

Austin Ford
by Austin Ford

reviewed on March 22, 2018
HomeBudget with Sync is a very helpful app for personal finance. I have loaded all of my monthly bills into the platform and it is very simple for me More

7.XPay Life
FREE DOWNLOAD
XPay Life is a free utility bill payment mobile application which users can use to make payment for water, gas, electricity, mobile postpaid plans and many more. It can also store some data for faster transactions.

XPay Life
XPay Life

Free Download

Website:
Not Available
Age rating:
Not available
Category:
Not available
Publisher:
Not available
Size:
Not available
Genre:
Not available
8.Bills Monitor Pro
PAID: $0.99
Bills Monitor Pro is an app designed to help you manage and organize your bills by logging them into the app. You can view bills by category, amount, and due date that you can easily identify by the icon.

Bills Monitor Pro
Bills Monitor Pro

Free Download

Website:
Not Available
Age rating:
Not available
Category:
Not available
Publisher:
Maxwell Software
Size:
Not available
Genre:
Not available
Juan Nguyen
by Juan Nguyen

reviewed on March 14, 2019
Bills Monitor Pro – Bill Manager & Reminder i cant express how much i love the simplicity and design of this app. The darker layout is great on the eyes. I rarely keep track of what day it is, So notifications on my phone about Bill reminders has More

9.Cubber
FREE DOWNLOAD
Cubber is Refer & Earn Lifetime Royalty Earning app. It provides you online mobile recharge, Gas bill, electricity and data card bills, Bus Ticket Booking, Book flights Online, Free Cashback Offers, Discount Coupons and even online shopping.

Cubber
Cubber

Free Download

Website:
Not Available
Age rating:
4+
Category:
Shopping
Publisher:
Not available
Size:
64.38 MB
Genre:
Not available
Olivia Alvarez
by Olivia Alvarez

reviewed on March 14, 2019
If you need help paying your bills the app Cubber is your best bet. It will connect your debit card to the various bills and pay them with one click. You can even earn cashback and discounts. It is easy to use and safe. Great time saver.

payment apps

Back in the 1990s, if you owed a friend $5 you would just pull a crisp bill out of your wallet and hand it over. These days cash may still be king when it comes to small, in-person payments, but sending money virtually between friends and family is easier than ever. If you need to send a friend, relative, roommate, or anyone else money for anything ranging from splitting a restaurant check to your share of the rent, these social payment apps have you covered.

The 6 Best Payment Apps of 2022
Best Overall: PayPal
Best for Friends: Venmo
Best With No Frills: Cash App
Best for Banking: Zelle
Best for Google Accounts: Google Pay
Best for Social Media: Meta Messenger
Best Payment Apps
PayPal
Venmo
Cash App
Zelle
Google Pay
Meta Messenger
Compare Apps
What Is A Payment App?
How Does A Payment App Work?
How Much Does A Payment App Cost?
Is A Payment App Worth The Cost?
Methodology
BEST OVERALL
PayPal
PayPal
SIGN UP NOW
What We Like
Its mobile application is extremely user-friendly

It is simple (and free) to set up a PayPal account

If you send money to a family member, there are no fees

PayPal’s strong encryption technology keeps accounts secure

What We Don’t Like
PayPal charges business owners a fee for using its service to receive payments

PayPal has the ability to freeze your account

PayPal is the granddaddy of payment companies, with a history going back to 1998. It made its name as the preferred digital wallet and payment provider for eBay transactions but has since grown to be one of the most dominant names in online payments.

PayPal offers the ability to transfer money to and from any U.S.-based bank account and many foreign accounts. There is no fee to transfer funds to family or friends from a PayPal balance or bank account balance, but PayPal does charge fees to send from a credit card or convert currencies.

BEST FOR FRIENDS
Venmo
Venmo
SIGN UP NOW
What We Like
Venmo is designed to work from your smartphone

An easy way to split the bill with friends and family

Instant transfers option

What We Don’t Like
You can only send money via mobile platforms

Users are hit with a 3% fee if they send money using a credit card

You have to change your settings (privacy default is public view) if you want actual privacy

Venmo is actually owned by PayPal, however, Venmo is a very different app than PayPal. Venmo is an app designed primarily to send money to friends, with an embedded social aspect. And, while you can sign in and access your account on traditional computers, you can only send money from the app or mobile browsers.

Venmo has 80 million users. That’s a lot of restaurant checks split. Venmo can also be used to pay for transactions at many businesses as well. It is free to send money using your linked debit card or bank account.

BEST WITH NO FRILLS
Cash App
Square Cash
SIGN UP NOW
What We Like
Easy to link your bank account via a debit card

Offers users a digital wallet

You can sell and buy Bitcoin via the app

What We Don’t Like
Cash App charges users a fee to send money via a credit card

Can only send $250 every 7 days and receive $1,000 every 30 days without verification

Cash App is the answer of mobile credit card processor Square’s parent company, Block Inc., to the growing popularity of peer-to-peer payments. Cash App does pretty much the same thing as Venmo, but without the social features. You can send money to, or request from, anyone with a Cash account, and funds are drawn from a linked bank account or debit card at no cost.

Cash App has a wallet feature, like PayPal, or the ability to send from a linked account without holding funds in your digital wallet. In 2018, Cash App added the ability to buy and sell Bitcoin as well, which gives it a unique feature compared to other popular payment apps.

BEST FOR BANKING
Zelle
Zelle
SIGN UP NOW
What We Like
Most large banks like Chase and Wells Fargo offer Zelle

You can send money from your laptop via banking websites or your smartphone

Offers same-day transfers

There are no fees for sending or receiving money via Zelle

What We Don’t Like
The recipient of the funds and the sender both must have Zelle to access funds

You can only send funds via Zelle from one designated bank account

Zelle offers a unique way to pay friends or family right from your bank. If you have an account at a participating bank, you can send cash with same-day transfers to anyone else with a Zelle account. The growing list of participating banks includes titans such as Chase, Bank of America, Citi, Wells Fargo, and online banking leaders, Ally and Capital One.

If your bank doesn’t partner with Zelle, you can still use it by downloading their app and linking your debit card. If your bank does participate, you have the option of using Zelle’s service through your bank’s website or mobile app in addition to the Zelle app.

It is free to send and receive. You can only connect one bank account to your Zelle profile at this time, so if you sign up, make sure it is with your primary account.

BEST FOR GOOGLE ACCOUNTS
Google Pay
Google Pay Logo
SIGN UP NOW
What We Like
No fees to send money to friends and family on Google Pay

Integrates easily with Google products, like Gmail

Easy to use from a laptop or smartphone

What We Don’t Like
Less popular than other competitors for sending money to family and friends

3 to 5 days for the money to arrive when transacting using a bank account

Google offers a tool to do almost everything one can do online, and sending money is no exception. Google Pay is unique in its integrations with other Google products, including Gmail. Using Google Pay, you can send and receive money pay entering someone’s Gmail address. If you have a Google account, you are essentially already signed up for Google Pay.

Like most Google products, it is well designed and easy to use. It works with the dedicated Google Pay app or through other integrated Google services. There are currently no fees to use Google Pay except when transferring money out to a debit card.

BEST FOR SOCIAL MEDIA
Meta Messenger
Facebook Messenger
SIGN UP NOW
What We Like
Meta account users can send money easily to businesses and friends who are on Meta

Your payment information is kept private unlike some other apps that have a public option

Easy to use from your Meta chat experience

What We Don’t Like
It takes up to five business days to receive payment into your bank account once it is accepted and transfered

You need to have a Meta profile to use it

You have to link your debit card or PayPal account to your Meta account

Meta already knows everything about you, so why not hand over your debit card and integrate sending money with your chat experience? Because almost everyone is already on Facebook, you can send them money without waiting for them to sign up for an account elsewhere. They just need to add a debit card or PayPal account to be paid.

Payment information is private. When you send money, the transactions are private and the activity is not shared on your feed. Once a payment is accepted, it shows up in the bank within five business days. It’s as simple as that.

Compare Apps
THE 6 BEST PAYMENT APPS OF 2022
COMPANY FEES DOMESTIC OR FOREIGN TRANSACTIONS LENGTH OF TIME FOR TRANSACTIONS TO ARRIVE IN YOUR BANK ACCOUNT
PayPal No, (yes for sending with a credit or debit card as well as international transactions) Domestic and Foreign Typically a day, sometimes longer
Venmo No (yes for credit card usage) Only domestic 1-3 days or instant transfers for a fee
Cash App No (yes for credit card usage) U.S. and U.K. only 1-3 days or instant transfers within minutes for a fee
Zelle No Only domestic Within minutes
Google Pay No (yes, only when withdrawing to a debit card) Domestic and people in the U.S. can send money to people in India and Singapore Usually up to 3-5 days
Meta Messenger No Domestic and some foreign transactions Up to 3-5 days
What Is a Payment App?
A payment app is a tool to pay for goods and services and send money to vendors, friends, and family. People tend not to carry as much cash nowadays, so a payment app can be a quick way to reimburse a friend for a concert ticket, help a family member out with a bill, or even pay for something at a store without having your wallet with you. It’s like having a digital wallet with you on your phone.

How Does a Payment App Work?
A payment app works like a digital wallet. You link your bank account information and credit cards to the app, and it securely stores it so you can use it to send and receive money directly on the app. You don’t need to have your wallet physically with you, and you can even use some apps internationally. It’s a quick and convenient way to send and receive money and pay for things online and in stores.

How Much Does a Payment App Cost?
Some payment apps are completely free, while others have free aspects like receiving money or sending money between friends and family. Some payment apps may charge fees to receive money quicker than the standard time, currency exchange and processing fees, and credit card fees. These fees vary based on the type, amount, and location of the transaction.

You may be charged between 2.5% to 3% for credit card processing fees when using some payment apps. If you’re a small business, you can add these fees into the cost of your goods and services or charge an additional fee for customers to pay with a credit card.

Is a Payment App Worth the Cost?
Free payment apps are worth using because there’s no cost, and they’re convenient and easy to use. However, if you have to pay to use the payment app, it may or may not be worth the cost. If you’re a small business that accepts credit cards, it’s usually worth it because you’re increasing your number of customers by accepting additional payment forms.

If you need to send money internationally or need your funds available the same day, you would need to find out the fees, weigh your options, and then see if it’s worth it to pay a little more for the convenience.

How We Chose the Best Payment Apps
We chose the 6 best payment apps by first reviewing and researching multiple payment apps and then selecting the top choices. We chose the best options based on their reputation, functions, ease of use, what platforms they work on, how you can send and receive money, and more.

Conclusion

Let us know your thoughts in the comment section below.

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