Next time you need to pay your sister back for buying you lunch, or make a monthly payment to your dad for taking that car loan out for you, try using one of these money-transfer apps.

Which app is best, you ask? Here’s what I found:

1. PayPal lets you send and receive money freely. No limits!

PayPal is definitely the pioneer of person-to-person (P2P) transfers. Use the PayPal app for convenience on the go. Compare what PayPal offers with the other options to make sure you’re getting the best fit for your lifestyle (and the best deal!).

Available for: iOS, Android
Fees? You can link your bank account to transfer money for free. But there’s a 2.9% + $0.30 fee for using your debit or credit card.
Limits? No limits once you get "verified"–just link your account information and you can send and receive money with no limitations.

Best reason to use PayPal: It’s been around for a long time, so if you’re nervous about linking your bank account to a mobile app, PayPal is the way to go. (Plus, you can always manage it from your non-mobile devices if you don’t want to download another app.)

 

2. Square Cash doesn’t make you manage an additional account.

Square Cash links to, and pulls directly from, your bank account when you make a transfer. You can’t hold money in an account with Square Cash, it’s just a vehicle for transfer. Plus, money you receive from your people transfers immediately to your bank account. No waiting period.

Available for: iOS, Android
Fees? You can use your debit card or link your bank account to transfer money for free. But there’s a 3% fee for using credit card.
Limits? $250/week sending limit; $1,000/month receiving limit.

Best reason to use Square Cash: It’s just so simple–no frills. If you like the convenience of a mobile-transfer app, but you don’t want to keep track of another account, Square Cash is your match.

 

 

3. Venmo doesn’t charge a fee for debit transfers. (Plus, they have emojis!)

PayPal owns Venmo but there are a few differences between them (like fees, for one). Just like PayPal, you can hold payments you receive in a Venmo account and use them to pay people back.

Money hits your bank account within 24 hours.

Available for: iOS, Android
Fees? You can link to your bank account directly or use your debit card for free, but if you want to pay someone using your credit card, there’s a 3% charge.
Limits? $299.99 per transaction and $299.99 per week to begin with. Once your identity is confirmed, it goes up to $2,999.99 per transaction and per week.

Best reason to use Venmo: Friends and family don’t have to have a Venmo account for you to pay them. An email address or phone number works just as well. Use Venmo if you’re more techy than everyone around you and you think they’d cry if you asked them to download an app.

 

4. Google Wallet doesn’t charge any fees at all. For real.

Google Wallet keeps it simple by only allowing you to link your bank account or debit card. You can’t link a prepaid or a credit card to send money to friends. Hence, zero fees.

Available for: iOS, Android
Fees? None. It’s free.
Limits? $9,999 for a single transaction; $10,000 limit per month.

Best reason to use Google Wallet: What you see is what you get with Google Wallet. If you don’t plan to pay anyone with your credit card and you love the confidence of their "no fee" promise, go with Google Wallet.

 

UP NEXT: How to Find and Print Free Internet Coupons

Who's Better? Square Cash or Venmo?