Venmo vs Cash App
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Venmo | Cash App |
|---|---|---|
| Оценка | 4.1 / 5 | 4.0 / 5 |
| Лучше всего для | Splitting bills with US friends | Simple everyday banking and payments |
| Ежемесячная комиссия | Free | Free |
| Курс обмена | N/A (US-only) | N/A |
| Отправка / получение | Free from balance/bank/debit; instant 1.75% | Free standard P2P; instant ~0.5–1.75% |
| Выводы средств | Standard free; instant 1.75% | Standard free; instant-to-debit fee |
| Карта | Yes — Venmo Visa debit (and a Visa credit card) | Yes — Cash Card (Visa debit) |
| Доступность | United States only | United States & United Kingdom |
| Валюты | USD | USD (US), GBP (UK) |
| Регулирование | FinCEN (MSB), US state licences; PayPal-owned | FinCEN (MSB), US state licences; Block, Inc. |
| Основан | 2009 | 2013 |
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Плюсы
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Минусы
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
Cash App
Cash App blends peer-to-peer payments with light banking, a free debit card, and built-in Bitcoin and stock investing. Standard transfers are free while instant cash-outs and crypto carry fees, and availability is limited to the US and UK. A strong all-in-one choice for US users who want payments and investing in one place.
Плюсы
- Free P2P and a free customizable Cash Card
- Built-in Bitcoin & stock investing
- Direct deposit and banking-style features
Минусы
- Limited to US and UK
- Instant transfers & credit-card sends cost extra
- Bitcoin buys carry a 2–3% spread
Итог
В целом Venmo выходит вперёд с оценкой 4.1 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.