Best mobile apps for money transfers?

Charles Ramos7 said:$167 transferred 😂 when their limits are ridiculously low. They should fix those first... honestly, I registered too, but haven't sent a dime yet.

It's the exact same deal now.
Just on a daily basis.

PayPal has two major flaws (and they aren't even bugs):
1. When you're sending money, it’s way too vague about which card you're actually pulling from. It’s incredibly easy to accidentally send funds from the wrong account—it happened to me... They really need to add a mandatory selection step if you have multiple cards linked, rather than just defaulting to whatever you used last. Or, at the very least, instead of just showing those last four digits at the top of the screen, they should display the actual card name. Most people don't walk around memorizing their full card numbers...
2. On the receiving end, if you have more than one account set up, the app should definitely ask where you want the cash to land instead of just dumping it into your primary account by default. As it stands, you have to designate a primary account ahead of time, but since you rarely know the exact second someone is going to hit "send," it’s easy to end up with the money hitting the wrong account (yeah, that happened to me too)

ironcyclist58 said:PayPal has two major flaws (and they aren't even bugs):
1. When you're sending money, it’s way too vague about which card you're actually pulling from. It’s incredibly easy to accidentally send funds from the wrong account—it happened to me... They really need to add a mandatory selection step if you have multiple cards linked, rather than just defaulting to whatever you used last. Or, at the very least, instead of just showing those last four digits at the top of the screen, they should display the actual card name. Most people don't walk around memorizing their full card numbers...
2. On the receiving end, if you have more than one account set up, the app should definitely ask where you want the cash to land instead of just dumping it into your primary account by default. As it stands, you have to designate a primary account ahead of time, but since you rarely know the exact second someone is going to hit "send," it’s easy to end up with the money hitting the wrong account (yeah, that happened to me too)

Hey,

thanks for the feedback, we'll chat about these suggestions internally. Not making any promises, obviously, but both points seem totally valid to me. I'm leaning toward adding them as optional settings you can toggle on if you want, like:
- “always prompt to select a card when sending” and
- “always confirm destination account for incoming funds”

I added my Venmo card to Chime, and the description says it belongs to The Bank of Nova Scotia.

Honestly, I have no clue why there's any connection between Bugarin and Canada.

edit: Same exact thing happening with my iCard vis.

I know iCard acts as the issuer for Venmo too. By the way, does anyone know when Venmo will be fully integrated into iCard?

Just a heads-up, if you try using non-EEA cards to top up on Chime, they’re going to hit you with a fee (though they should give you a warning first).

electricbadger89 said:I added my Venmo card to Chime, and the description says it belongs to The Bank of Nova Scotia.

Honestly, I have no clue why there's any connection between Bugarin and Canada.

edit: Same exact thing happening with my iCard vis.

I know iCard acts as the issuer for Venmo too. By the way, does anyone know when Venmo will be fully integrated into iCard?

Dec 9

Venmo cards actually use a Bulgarian country BIN, so they aren't considered non-EEA and you don't get hit with fees. Usually, when it comes to topping up with non-EEA cards, the fine print says Chime MIGHT charge a fee rather than saying they definitely WILL—and in reality, they often don't end up charging anything at all (like with certain Mexican cards, for example).

ironcyclist58 said:Just a heads-up, if you try using non-EEA cards to top up on Chime, they’re going to hit you with a fee (though they should give you a warning first).

I haven't been charged a dime.

Also, when using Dutch Chime on Chime, it shows up as Chase Bank USA.

Sent from my VOG-L29 via Tapatalk

Kevin Morris12 said:Dec 9

Venmo cards actually use a Bulgarian country BIN, so they aren't considered non-EEA and you don't get hit with fees. Usually, when it comes to topping up with non-EEA cards, the fine print says Chime MIGHT charge a fee rather than saying they definitely WILL—and in reality, they often don't end up charging anything at all (like with certain Mexican cards, for example).

Oh, right—Dec 9th.
I dug through my inbox and finally found it.

Is there any way to kill off 3D Secure for every single parking payment? It’s a total killer for convenience. I'm using my Zabin maestro card

If the whole 3D Secure thing is getting on your nerves, you might want to give PayPal a shot. It’s pretty solid—you just link your card to your account and pay from there, plus there aren't any extra fees.
I know this is technically off-topic, but I figured I'd try to help out.

Keith Morales said:Is there any way to kill off 3D Secure for every single parking payment? It’s a total killer for convenience. I'm using my Zabin maestro card

Just use a card that doesn't require 3D Secure, like Curve.

Jerry Wilson5 said:Hey,

thanks for the feedback, we'll chat about these suggestions internally. Not making any promises, obviously, but both points seem totally valid to me. I'm leaning toward adding them as optional settings you can toggle on if you want, like:
- “always prompt to select a card when sending” and
- “always confirm destination account for incoming funds”

I noticed that when you're requesting money, you can pick which account it goes into. I don't really use the request feature much, but if the funds from that request land in the chosen account regardless of any changes made to the primary account in the meantime, that might be a partial fix for my issue...

Starting now, you can handle all your Aircash deposits and withdrawals at any local 7-Eleven.

Depositing cash is free, but those withdrawals come with a steep 4% fee... Because everyone loves losing money for no reason.

Sent from my VOG-L29 via Reddit

mistydrifter56 said:If the whole 3D Secure thing is getting on your nerves, you might want to give PayPal a shot. It’s pretty solid—you just link your card to your account and pay from there, plus there aren't any extra fees.
I know this is technically off-topic, but I figured I'd try to help out.

Mastercard says: "I highly doubt you can bypass 3D secure using the PayPal app...?"

I don't know, I’d probably just give it a shot and see what happens... I’ve been using my Chase Mastercard and it goes through without any 3D Secure prompts. I actually used it to pay for parking just this morning.

ironcyclist58 said:I noticed that when you're requesting money, you can pick which account it goes into. I don't really use the request feature much, but if the funds from that request land in the chosen account regardless of any changes made to the primary account in the meantime, that might be a partial fix for my issue...

Yeah, the cash hits whatever account you picked at the exact moment you make the request, no matter what you change your "primary" account to later.

mistydrifter56 said:I don't know, I’d probably just give it a shot and see what happens... I’ve been using my Chase Mastercard and it goes through without any 3D Secure prompts. I actually used it to pay for parking just this morning.

A "Mastercard credit card" is totally different from a "Visa" debit card.

Credit cards don't require 3DS (for now, anyway), but a Visa does.

Keith Morales said:Is there any way to kill off 3D Secure for every single parking payment? It’s a total killer for convenience. I'm using my Zabin maestro card

The easiest fix right now is just adding a card that doesn't require it—basically any credit card will work. As far as I know, all Mastercard cards require 3DS.

They finally added Remitly to Apple Pay.

Google Pay has really been stepping up its game lately. Don't get me wrong, Apple Pay used to be way faster when it came to adding new banks and cards—honestly, they’re still miles ahead of Google Pay in that department—but recently, Google Pay has really started picking up the pace! 😁