FreeThere are many different reasons you might need to pay friends and family members whether it’s to pay for gas money, split bills with a roommate, contribute to a group gift, send money to a long distance friend, and other scenarios. There has been a rise in services designed to help you transfer money digitally, and also a rise in fees to go along with those digital transfers. Circle Pay is an app that offers a no fees alternative to send and receive money to any e-mail or phone number you want.
The app has no limits on how much you can send, and it all comes down to connecting your bank accounts. You can connect your debit card, savings account, or credit card account to Circle Pay with the debit card option allowing no fees and instant transfers. Credit cards are instant, but with fees, and savings accounts have no fees, but 2-5 day processing. One of the neatest parts of the app is that you can just point your camera at your debit card, and the app can sync the info. You can add TouchID and two factor authentication to Circle Pay to keep the ability to send money secure. Once you set-up, you can add notes, photos, and GIFs to the money you send, so everyone involved knows what the payments are for.
Circle Pay (Free, iPhone) can be a valuable utility to send money for free with no limits.