Eager to simplify your spending this year? Download a few apps that will turn your cell phone into a digital wallet, and you can easily make mobile payments and banking transactions with just a couple of quick taps. From programs that allow you to reimburse friends through your credit card to tools that help you keep track of the money you still have on electronic gift cards, there are plenty of ways to streamline your financial transactions.
There is a reason this mobile payment app is so popular; it eliminates the need to remember to pay back friends or coworkers in a fun, easy-to-use platform. Venmo offers free peer-to-peer money transfers from the app to cell phone numbers, email addresses and Facebook accounts. Users receive a newsfeed detailing what payments occur between contacts in their accounts. Aside from credit card payment fees, the service is totally free for tracking, transferring money and using a debit card. Venmo is available for both iOS and Android users.
Google Wallet aims to be the all-purpose digital wallet. The app allows you to pay by tapping your phone at checkout, send money to friends with just an email address and process ATM withdrawals with the help of a plastic Google card. Google Wallet recently debuted its new and improved format, which aims to make tracking payments and spending activity as easy as possible. Another new feature allows users to notify friends when they owe them money and to request payments from them. Google Wallet is free to download and is available for both iOS and Android users.
If you want an app that enables you to make payments without pulling out your credit cards, Level Up may be a good choice for you. This program allows users to make purchases at local businesses simply by scanning their mobile device. Level Up offers a variety of rewards and incentives, including new user discounts for stores you have never visited before and monetary credit after spending a certain amount with the app. It is free to download and available for both iOS and Android users.
Do you get upset when you forget to use a gift card you got as a birthday present three years ago? Gyft aims to help you organize your gift cards and keep track of the balance on each one. Additionally, it enables users to buy and send gift cards from a variety of prominent retailers and service providers including Amazon, Target, Ulta and Whole Foods. The app is free to download and use and is available for both iOS and Android users.
With these kind of shopping and banking apps, you can easily turn your cell phone into a digital wallet and simplify your spending forever.
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