Cash App, Venmo, Chime are just a few of the many debit credit apps available on mobile. These apps allow you to send and receive money, pay bills, and track your spending. They are a convenient and secure way to manage your finances.
In this article, we will discuss the 12 best debit credit apps on mobile. We will compare their features, fees, and security measures so that you can choose the best app for your needs.
| App | Logo | Available On | Reviews | Downloads | Features |
|---|---|---|---|---|---|
| 1. Cash App |  | Android, iOS | 4.8/5 | 104M+ | Send and receive money instantly, Get instant discounts |
| 2. Venmo |  | Android, iOS | 4.9/5 | 55M+ | Fast and secure payments, Social payment sharing, Rewards and cashback |
| 3. Chime |  | Android, iOS | 4.8/5 | 25M+ | Overdraft up to $200, No monthly fees, Get paid early |
| 4. Money Manager Expense & Budget |  | Android, iOS | 4.8/5 | 18M+ | Double entry accounting, Budget and expense management |
| 5. Credit One Bank Mobile |  | Android, iOS | 4.7/5 | 10M+ | Quick and secure sign-in, Real-time fraud alerts, Free monthly credit score |
| 6. Varo Bank |  | Android, iOS | 4.9/5 | 5M+ | No monthly fees, Get paid up to 2 days early, Instantly send/receive money with Zelle |
| 7. Current |  | Android, iOS | 4.8/5 | 5M+ | Build credit safely, Access cash quickly, No overdraft or ATM fees |
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1. Cash App
Free instant transfers, Exclusive debit card discounts, Free tax filing
Cost: Standard (Free), Cash App Plus (Optional) ($1 - $9.99 per month)
Cash App is a transformative debit credit app that revolutionizes personal finance management. Effortless peer-to-peer payments, seamless direct deposits, and insightful investment options empower you to take control of your money like never before. Its user-friendly interface and robust security features, including PIN protection, ensure peace of mind every step of the way.
With the Cash Card, you enjoy the convenience of spending your funds directly from the app. Its free discounts add a touch of sweetness to your financial journey. Whether you're a seasoned money manager or just starting out, Cash App's versatility and ease of use make it an indispensable tool. Experience the power of simple and secure money management today, and elevate your financial well-being to new heights.
Download:
Application information:
| Downloads | Over 100 Million |
| Features | Send and receive money, make online payments, invest in stocks and Bitcoin, get a debit card, and more. |
| Pros | Easy to use, fast transfers, convenient features. |
| Cons | Limited customer support, potential for scams, fees for certain transactions. |
- Tags:
- Instant Money Transfer
- Free Debit Card with Discounts
- Free Tax Filing
✨ Read more: app for balance sheet
2. Venmo
Split payments among friends, Earn cashback with debit card, Earn rewards with credit card
Cost: Venmo (Free) (Free)
Venmo, the beloved mobile debit credit app, has long been a popular choice for sending and receiving payments. Its user-friendly interface and wide range of features have made it a go-to for millions. However, recent changes have left some users feeling frustrated, with concerns about frequent design updates and difficulties in setting up recurring payments.
Despite these frustrations, Venmo's strengths remain. Its personal page is still highly regarded, with users appreciating its ease of use. The business page, however, has faced criticism for persistent notifications that cannot be dismissed, creating a frustrating experience for some users. Nonetheless, Venmo continues to be a widely used and generally well-received app for managing finances on the go.
Download:
Application information:
| App Name | Venmo |
| Downloads | Over 100 Million |
| Features | Send and receive money, split bills, make purchases online and in-store, manage your finances, and connect with friends. |
| Pros | Fast, easy to use, socially connected, widely accepted. |
| Cons | Limited international availability, privacy concerns, potential for scams, not ideal for large transactions. |
- Tags:
- Fast money transfer
- Split payment requests
- Venmo debit card
✨ Read more: app for apple wallet
3. Chime
No monthly fees, Overdraft up to $200 fee-free, Early payday
Cost: Chime Basic Account (Free), There are no paid packages for Chime (N/A)
Chime, a groundbreaking debit and credit app, offers an unparalleled banking experience. With no monthly fees and a fee-free overdraft, Chime empowers users to manage their finances with ease. Its early payday feature allows users to access their funds two days before traditional banks, providing a much-needed cash flow boost when it matters most.
Despite a recent design update that has drawn mixed reactions, Chime continues to excel in customer service and innovative features. The beloved "Spot Me" feature provides a safety net for unexpected expenses, and the automatic savings tools help users effortlessly set aside funds for future goals. Chime's commitment to financial accessibility and user satisfaction makes it a standout choice for those seeking a modern and convenient banking solution.
Download:
Application information:
| Downloads | Over 10 Million |
| Features | Mobile banking app offering early direct deposit, fee-free overdraft, automatic savings, and a Visa debit card. |
| Pros | No monthly fees, easy to use, early payday access. |
| Cons | Limited features compared to traditional banks, potential for account issues due to third-party partnerships. |
- Tags:
- Overdraft up to $200 fee-free
- Get paid up to 2 days early
- No monthly fees‡
✨ Read more: app for accepting credit card payments
4. Money Manager Expense & Budget
Double-entry bookkeeping, Budget and expense tracking, Asset management
Cost: Free (Free), Premium ($6.99)
Money Manager Expense & Budget app is a fantastic debit and credit tracking app that helps you manage your personal finances and create a budget. It's easy to use, even for beginners, and offers a wide range of features that make it a great choice for anyone who wants to take control of their finances.
With Money Manager Expense & Budget, you can track your income and expenses, create budgets, and see your financial data in a variety of graphs and charts. The app also offers a number of customization options, so you can tailor it to your specific needs. Whether you're looking to get a handle on your spending or plan for the future, Money Manager Expense & Budget is the perfect app for you.
Download:
Application information:
| Downloads | Over 10 Million Downloads |
| Features | Offers comprehensive expense tracking, budgeting tools, financial reporting, and account management features, allowing users to monitor their income, expenses, and savings effectively. |
| Pros | User-friendly, intuitive interface with detailed visuals and customizable options. |
| Cons | Limited online banking integration, occasional bugs reported, and potential privacy concerns due to data storage practices. |
- Tags:
- Double-entry bookkeeping
- Budget and expense manager
- Personal asset management
✨ Read more: app based credit card
5. Credit One Bank Mobile
Quick and secure access, Manage accounts on the go, Track credit score for free
Cost: Credit One Bank Mobile App (Free) (Free)
Credit One Bank Mobile is a convenient and user-friendly debit credit app that makes managing your finances a breeze. With its intuitive interface and helpful customer support, you can easily navigate the app to complete a variety of tasks, from checking your balance to making payments.
Despite a recent issue with app performance, Credit One Bank Mobile remains a valuable tool for managing multiple cards and accessing important account information. The ability to switch between accounts, view your credit score, and receive immediate payment verifications makes this app an excellent choice for anyone looking for a comprehensive and convenient banking solution.
Download:
Application information:
| Downloads | Over 5 Million |
| Features | Manage account, make payments, view transactions, check credit score, access rewards, and contact customer service. |
| Pros | Convenient, user-friendly, offers credit score tracking. |
| Cons | Limited customer support options, occasional technical issues reported by users, and some features require additional enrollment. |
- Tags:
- Secure sign-in
- Customized alerts
- Reward tracking
✨ Read more: app based business bank account
6. Varo Bank
No-fee checking account, Credit-building card, Cash advance up to $500
Cost: Varo Bank Account (Free), Varo Believe Secured Credit Card (Free)
In the realm of mobile banking, Varo Bank stands out as a seamless and user-friendly debit credit app that has revolutionized the way people manage their finances. With its intuitive design, you'll have easy access to your checking, savings, and Varo Believe accounts right from the main screen, empowering you to make transfers effortlessly in seconds. As a Varo Bank user, you'll enjoy the convenience of early access to your paycheck and swift refunds from stores, making cash flow management a breeze.
However, the app experience is not without its flaws. Some users have encountered occasional glitches with biometric login, requiring them to manually enter their password. Additionally, the lack of live customer support after 4 pm EST can be frustrating when encountering issues that require immediate attention. Despite these minor setbacks, Varo Bank's exceptional features, such as its secured credit card program and competitive fee structure, continue to make it a formidable choice in the mobile banking landscape.
Download:
Application information:
| Downloads | Over 5 million |
| Features | No-fee checking and savings accounts, early direct deposit, automatic savings tools, credit builder program, and money management features. |
| Pros | No monthly fees, early payday, user-friendly app, and helpful customer service. |
| Cons | Limited physical branch access, potential issues with account stability or customer support responsiveness. |
- Tags:
- No monthly fees‡
- Early direct deposit
- Credit builder
7. Current
Fee-free overdraft, Paycheck Advance, Build credit safely
Cost: Basic (Free), Premium ($4.99/month)
Current is a mobile debit and credit app that offers a variety of features to help you manage your finances. With Current, you can save, spend, and get paid faster. You can also build your credit with the Current Build Credit Card.
Current is a great option for people who are looking for a simple and easy-to-use banking app. It's also a good choice for people who want to build their credit or get paid faster. However, it's important to be aware of the fees associated with depositing money and using the Build Credit Card.
Download:
Application information:
| Downloads | Over 5 Million |
| Features | Peer-to-peer payments, mobile banking with high-yield savings account, early paycheck access, debit card rewards, and financial planning tools. |
| Pros | Easy to use, good savings rate, early payday access. |
| Cons | Limited customer support options, potential for hidden fees, and not a full-fledged bank. |
- Tags:
- Build credit safely
- Access cash quickly
- Skip overdraft fees
8. Xare
Share credit cards, Create a Club, Shop freely
Cost: Free (Free), Xare Premium (Contact Xare for pricing)
Xare is a revolutionary debit credit app that allows users to share credit cards, debit cards, and even create a club. With Xare, you can easily manage your finances, share money with family and friends for free, and even customize the design of your own card. This app is perfect for those who want to save money, manage their finances more effectively, and enjoy the convenience of sharing money with others.
"This app is absolutely brilliant." One user said, "I was able to purchase a mobile phone and pay in only 4 installments using my debit card. There is no need to even think about owning a credit card in this aspect." Another user said, "Xare help me to manage my finances. I love how you can share money to your family and friends for free." With its user-friendly interface, excellent customer service, and innovative features, Xare is the perfect debit credit app for anyone who wants to take control of their finances.
Download:
Application information:
| Downloads | Over 1 million downloads |
| Features | Share virtual cards from any issuer with limits and controls, create shared wallets with friends and family, make secure online and in-store purchases. |
| Pros | Convenient, secure, and promotes financial collaboration. |
| Cons | Limited global availability, requires trust among users, and potential for disputes over shared expenses. |
- Tags:
- Safe and Secure
- Easy to use
- Unlimited perks
9. Credit Debit
Create invoices and bills, Manage customer accounts, Send payment reminders
Cost: Free (Free), Remove Ads ($0.99 - $10.99 per item)
Introducing Credit Debit, the ultimate mobile app for managing your financial transactions with ease and precision. Whether you're a small business owner or simply keeping track of your personal expenses, this app has got you covered. With its intuitive interface and powerful features, Credit Debit makes it a breeze to record your debits and credits, ensuring you stay on top of your finances at all times.
One of the key advantages of Credit Debit is its versatility. Unlike traditional ledger books or diary entries, this app allows you to add remarks to your transactions, providing you with a comprehensive record of your financial activities. Additionally, the app's advanced search functionality lets you quickly and easily find specific transactions, eliminating the need for tedious manual searches. With Credit Debit, you can rest assured that your financial data is organized, accessible, and secure.
Download:
Application information:
| Downloads | Over 1 million downloads |
| Features | Provides a digital ledger for tracking credit and debit transactions, managing customers, sending payment reminders, and analyzing business performance. |
| Pros | Simple interface, easy to use, good for small businesses. |
| Cons | Lacks advanced features, occasional bugs reported, limited customer support options. |
- Tags:
- Easy account management
- Secure data storage
- Payment reminders
10. Extra
No credit check required, Earn rewards points, Build credit history
Cost: Extra Free (Free), Extra+ ($14.99/month)
Extra, a cutting-edge debit-credit app, has transformed the way young adults build credit. Despite initial hiccups, it has emerged as a game-changer for those seeking financial stability. By linking your accounts and using the Extra card, you can tap into a credit-building solution that empowers you to achieve your financial goals.
Extra's intuitive design and user-friendly interface make it a breeze to manage your finances. Its rewards system incentivizes responsible spending, and its responsive customer service provides peace of mind. While certain issues persist, Extra remains committed to refining its service, as evidenced by its rapid growth and positive user feedback. Whether you're just starting your credit journey or looking to enhance your financial standing, Extra offers a valuable tool to help you succeed.
Download:
Application information:
| Downloads | Over 200,000 |
| Features | Builds credit with debit card purchases, earns rewards points, offers budgeting and saving tools. |
| Pros | Easy credit building, rewards for everyday spending, useful financial tools. |
| Cons | Requires linking bank account and sharing financial data, limited rewards options compared to some competitors. |
- Tags:
- No Credit Check
- Build credit history
- Earn Rewards
11. Debit and Credit
Unlimited play, Study section, Video course
Cost: Debit and Credit Game (Free)
Introducing Debit and Credit, the educational mobile app that makes learning accounting fundamentals fun and engaging! With Debit and Credit, you'll master the basics of debit and credit transactions through an interactive game-like experience. Whether you're a student, a professional, or simply curious about accounting, this app is designed to simplify the concepts and make your learning journey enjoyable.
As one user raved, "Played around with the free version: liked it. Decided to get a paid one and loved it. It was super helpful with learning the basics. Highly recommend!" With Debit and Credit, you can learn at your own pace, track your progress, and challenge yourself to become an accounting pro. So, dive in and discover the world of debits and credits today!
Download:
Application information:
| Downloads | Over 100,000 downloads |
| Features | Interactive game teaching the fundamentals of debit and credit through various accounting scenarios and transactions. |
| Pros | Engaging and effective way to grasp basic accounting principles. |
| Cons | Limited scope, focusing solely on debits and credits, may become repetitive after mastering the core concepts. |
- Tags:
- Educational
- Accounting Basics
- Game-based learning
12. Grow Credit
Builds credit with subscriptions, No prior credit history required
Cost: Grow Credit Free (Free), Grow Credit Paid ($9.99/month)
Introducing Grow Credit, the revolutionary debit credit app that empowers you to build credit effortlessly. With Grow Credit, you can seamlessly link your bank account, activate a line of credit, and connect your eligible subscriptions to start boosting your credit score. By making regular payments, you'll gradually improve your creditworthiness and unlock access to higher tier memberships, further accelerating your credit improvement journey.
Grow Credit seamlessly integrates with your existing financial habits. It offers auto payment options for added convenience, but also allows for manual payments. While the current payment options may have some limitations, Grow Credit actively listens to user feedback and is constantly working on improvements. The app recognizes the importance of flexibility and strives to provide users with the best possible experience.
Download:
Application information:
| Downloads | Over 100,000 downloads |
| Features | Grow Credit helps you build credit by reporting your subscription payments to credit bureaus, offering personalized spending limits, and providing access to various subscription services. |
| Pros | Easy to use, builds credit history, no hard credit check. |
| Cons | Limited to subscription payments, monthly membership fee, requires a checking account. |
- Tags:
- Free credit building
- No credit history needed
- Boost score on all 3 bureaus