Best PalmPay Alternatives in 2026
15 Peer-to-Peer payment apps our editors would look at instead of PalmPay, in our ranking order.
PalmPay: A free Nigerian payments app that combines transfers, bills, rewards and financial products. Where it falls short: instant transfers are limited to supported financial institutions.
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PhonePe not yet scored
Best forFree everyday UPI payments in India
A free India-focused app for everyday UPI transfers, QR payments, bills, and recharges.
—not yet scoredVisit PhonePe -
BHIM not yet scored
Best forBroad free UPI payment functionality
A free UPI app covering everyday transfers, bills, QR payments and more.
- Payment requests
- Split payments
- Instant transfer
—not yet scoredVisit BHIM -
Venmo not yet scored
Best forFlexible wallet payments and group expenses
A flexible wallet for peer payments, group expenses, scheduled requests, and cash-outs.
—not yet scoredVisit Venmo -
PicPay not yet scored
Best forBrazilian Pix payments with broader account tools
A free Brazilian payment app combining instant Pix with broader account tools.
—not yet scoredVisit PicPay -
Zelle not yet scored
Best forFree bank-to-bank payments through participating banks
A free bank-to-bank payment network built into participating U.S. financial institutions.
—not yet scoredVisit Zelle -
PayPay not yet scored
Best forFree PayPay wallet transfers and group payments
A free mobile wallet for instant PayPay Balance transfers, group payments, and scheduled sending.
—not yet scoredVisit PayPay -
MobilePay not yet scored
Best forNordic peer payments and shared expenses
A free mobile wallet for Nordic peer payments, shared expenses and everyday bills.
- International transfers
- Payment requests
- Split payments
—not yet scoredVisit MobilePay -
Vipps not yet scored
Best forNordic cross-border payments and group costs
A free Nordic wallet for transfers, shared costs, merchant payments and gifts.
- International transfers
- Payment requests
- Split payments
—not yet scoredVisit Vipps -
OPay not yet scored
Best forNigerian transfers with bills and financial extras
A free Nigerian wallet app combining transfers, bills, top-ups, savings and cards.
- Payment requests
- Instant transfer
—not yet scoredVisit OPay -
Airtel Money not yet scored
Best forUPI and wallet payments with Airtel services
Airtel Money combines UPI, wallet transfers, QR payments and Airtel services.
—not yet scoredVisit Airtel Money -
Lydia not yet scored
Best forGroup contributions and flexible payment collection
A flexible free app for collecting, splitting and transferring group payments.
- International transfers
- Payment requests
- Split payments
—not yet scoredVisit Lydia -
Paysend not yet scored
Best forInternational transfers with many delivery methods
A paid transfer service with broad delivery options and clear pre-send pricing.
—not yet scoredVisit Paysend -
Wise not yet scored
Best forTransparent international bank transfers
A transparent option for international bank transfers, with route-dependent pricing and availability.
—not yet scoredVisit Wise -
Best forInternational transfers with cash and wallet delivery
A flexible international transfer service with upfront pricing and delivery choices.
3.8/10★★☆☆☆Visit Remitly -
M-PESA not yet scored
Best forMobile-money transfers with cash access
A broad mobile-money wallet with agent, ATM, bill-payment and remittance access.
—not yet scoredVisit M-PESA
PalmPay Alternatives: Common Questions
What is the best alternative to PalmPay?
Remitly: #15 in our Peer-to-Peer Payment Apps ranking, with an editor score of 3.8 out of 10. A flexible international transfer service with upfront pricing and delivery choices.
Is there a free alternative to PalmPay?
Yes. PhonePe, BHIM, Venmo, PicPay and Zelle have a free plan or a free tier (12 of the 15 alternatives on this page).
PalmPay vs Each Alternative
| # | Tool | Free plan | Paid from | Split payments | Payment requests | Instant transfer | International transfers | Score |
|---|---|---|---|---|---|---|---|---|
| not scored | PalmPay | Yes | None | Yes | — | Yes | — | — |
| not scored | PhonePe | Yes | None | — | — | — | — | — |
| not scored | BHIM | Yes | None | Yes | Yes | Yes | — | — |
| not scored | Venmo | Yes | None | — | — | — | — | — |
| not scored | PicPay | Yes | None | — | — | — | — | — |
| not scored | Zelle | Yes | None | — | — | — | — | — |
| not scored | PayPay | Yes | None | — | — | — | — | — |
| not scored | MobilePay | Yes | None | Yes | Yes | Yes | Yes | — |
| not scored | Vipps | Yes | None | Yes | Yes | Yes | Yes | — |
| not scored | OPay | Yes | None | — | Yes | Yes | — | — |
| not scored | Airtel Money | Yes | None | — | — | — | — | — |
| not scored | Lydia | Yes | None | Yes | Yes | Yes | Yes | — |
| not scored | Paysend | — | — | — | — | — | — | — |
| not scored | Wise | Yes | — | — | — | — | — | — |
| 15 | Remitly | — | — | — | — | — | — | 3.8 |
| not scored | M-PESA | — | — | — | — | — | — | — |
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026