Easily settle your debts with these 11 money-transfer apps

We’ve all been there. You’re out to dinner with a group of friends, the check for the meal arrives, and to make things easier on the waitress, you put the whole tab on your credit card. While everyone agrees to pay you back “as soon as possible,” you realize a month later that you’ve seen nary a dime from your friends.

While we don’t blame you for wanting to send Italian mobsters to your friends’ homes to get your money back, there exists a far easier way to recoup your funds. In fact, all you need is access to an iOS, Android, or Windows-powered smartphone, and you won’t even need to go through the trouble of calling your pal, Vito.

Though, when it comes to money-transfer apps, there’s no doubt that there’s wide-reaching skepticism about security. It’s apparent the globe has no shortage of data and information breaches, so it’s incredibly easy to understand this fear. To help ease some of your doubts, and weed out potential frauds, we’ve found the absolute best ways to send and receive money via a smartphone. So no matter if you need to split a dinner tab, or have finally gotten around to paying your fantasy football dues, here are the ten best applications for settling your debts.

If you have a small business, check out our picks for the best payment processors for smartphones.

The Best

The Rest

Update: We’ve checked all the apps and added a few more links to related articles for your convenience.