It's close: Cash App edges it 8.4 to 8.3, so the right pick depends on what you need. Cash App wins on 3 of the 5 scores, Venmo on 2.
People who want payments, a debit card and simple investing in one free app
Friends and roommates in the US who split dinners, rent and trips
Score by score
The details
| Feature | Cash App | Venmo |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #11 of 16 | #13 of 16 |
| Developer | Block, Inc. | PayPal |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | ✓ |
Common questions
Is Cash App better than Venmo?
It's close: Cash App edges it 8.4 to 8.3, so the right pick depends on what you need. Cash App wins on 3 of the 5 scores, Venmo on 2.
Which is cheaper, Cash App or Venmo?
Cash App: No monthly fee; credit card sends cost 3%, instant transfers 0.5% to 2.5%. Venmo: Free from balance, bank or debit; 3% with a credit card; instant transfer 1.75%. On value for money, Venmo scores higher.
Do Cash App and Venmo work on the same devices?
Yes, both run on iPhone & iPad, Android.
Which is more private, Cash App or Venmo?
Cash App scores higher on privacy (6.6/10). App Store label: no tracking. Purchases, financial info, contact info, contacts, your content, identifiers, usage and diagnostics may be linked to you.
Strengths and weaknesses
Cash App
- No monthly fee and free standard transfers
- Payments, banking and investing in one app
- No tracking on its App Store privacy label
- Instant transfers cost 0.5% to 2.5%
- ATM withdrawals cost $2.50 unless you qualify for Green
- Pay-over-time and Borrow fees add up fast
Cash App started as a simple way to pay friends and has grown into a full money app. You get a free debit card, direct deposit, savings, stock and bitcoin investing, and small loans through Borrow in most states. Spend $500 a month or get $300 in deposits and Cash App Green waives in-network ATM fees and adds perks. Watch the fees: instant transfers cost up to 2.5%, and credit card sends cost 3%.
Full Cash App review
Venmo
- Free to pay friends from balance, bank or debit
- Splitting a bill takes a few taps
- Fun feed with emoji and GIF payment notes
- Only works in the US
- Instant transfers cost 1.75%, up to $25
- App Store label lists usage data used for tracking
Venmo is the quickest way to pay a friend back in the US. Sending from your balance, bank or debit card is free, splitting a bill takes seconds, and the feed of emoji-filled payment notes is half the fun. A 2026 redesign is making privacy settings easier to find, which matters because payments used to be public by default. Instant transfers to your bank cost 1.75%, and Venmo only works in the US.
Full Venmo review
