Best Peer-To-Peer Payment Apps in 2026
Updated
In short: Settle Up is ranked #1 of 24 as of 4 October 2026, ahead of Splitwise and Remitly. The best-ranked option with a free plan is Splitwise. The lowest first paid tier on this page is Vipps at NOK 300/mo.
When you need to pay someone back, collect money or split a shared expense, peer-to-peer payment apps offer tools to move money between people. The ranking opens with PhonePe, Venmo and BHIM, and compares daily send limits, cash-out fee models, instant transfers and international transfers. It also looks at payment requests, split payments, whether there is a free plan, and how each app is paid for. Check which features match the payments you expect to make, and compare the listed terms and limits before choosing an app.
24 peer-to-peer payment apps ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which peer-to-peer payment app is ranked first on The Finance Base?
Settle Up is ranked #1 of 24 with a score of 7.2. Splitwise is second and Remitly third.
How many of these have a free plan?
11 of the 24 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Vipps has the lowest first paid tier we found: NOK 300/mo.
How is this list ranked?
Ranked on what each provider publishes: fees and plan prices, a free tier or trial, the platforms its apps run on and how completely it documents security and support. We do not give financial advice; check the provider's own terms before you sign up. Paid placements never change a rank.