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Two Apps For Sending Cash to Each Other

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Below are two services that make it easy to send money quickly to each other. Request or send money to roommates, co-workers and friends; like that friend who never, ever has cash, ever.

Square Cash (Free Email/iOS/Android) - The free, fastest and easiest way to send anyone money from your phone. All you need is their email address and your debit card. (From the creators of Square.)

All you need to do to get started is either send an email (explained in the image above in three steps) to whomever you want to pay, download the Square Cash app or go to their website (via the website they’ll even give you $1 to get things started so you can fully see the process). It’s as easy as getting an email, then clicking a link to enter your debit card. You are now setup. Next download the app if you’d like.

Now you can open the app or just email someone, type in the amount you want to send or request (from one person or a group), type in their email address when your email opens and click send. You’ve now sent or requested money.

The best part about Square Cash over others is actually getting people to use it. Since you don’t need an app, an existing account, or a link to your bank account using an account number / routing number, you can request the money from any friend as long as they have their “smartphone” and debit card with them (or they can do it at home later). Another benefit over other services is that you don’t need to “withdraw” a balance. It automatically shows up in your bank account in 1-2 business days (which is faster than Paypal or some others.)

So in those vague “I’ll pay you back” moments, or any time you want to collect money from friends and they don’t use Paypal, Chase Quickpay, Venmo, this is the easiest thing to have them use.

(For those worried about security or “can’t someone just spoof my email address, this and that, whatever,” read their FAQ on their security measures. also thanks to Mark for opening my eyes to using this on #spiritquest2015.)

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Venmo - (Free iOS, Android, Web) Before Square Cash this was my favorite to recommend and it’s still a great way to make payments to friends using the App. This is more for people that will pay or request more often between a group of friends using the app. Examples of paying your roommate rent, co-workers going to lunch, splitting the bill between multiple people, etc.

To get started with Venmo you can signup on the web or download the app. You’ll need your bank account and routing number to receive money and send money. You can use a credit card but there is a small fee to send payments that way.

Once you’re all setup you can search for friends using the app via Facebook contacts or your address book. Venmo is a social payment app so when you send a payment you can add a comment (usually we just put silly stuff, but it is useful when sending so the receiver knows what they’re getting paid back for and it’s a nice way to keep track of it all.) And that’s that. Once you receive money you can withdraw it whenever you wish. It’s fast (usually within 24 hours) and similar to Paypal (who also recently bought Venmo).

Recap:
- Square Cash is great to pay someone back quickly with just their email address if they don’t have Venmo already. Perfect for someone who doesn’t want to go through a complicated setup (adding bank accounts etc), bother with withdrawing balances, downloading an app etc. FREE.

- Venmo is great for setting up reoccurring payments to co-workers and roommates, splitting bills between multiple people etc. A little more work but fast and easy once it’s setup. FREE (credit card payments have a small fee.)

As always if you have any questions just send me a quick note on Twitter @mattrubin.

One Second Everyday (iOS App) - I like nostalgia. I take a lot of photos. What if you could capture 1 second of video everyday for the next month or even year and put it all together easily with an app?

"Imagine a movie that includes every day of the rest of your life…" is the tagline. I saw this app when it was just a Kickstarter project and now it’s available. You shoot a video using your normal camera app or inside the 1SE app. Then launch the app pick the day you shot the video, trim the video to 1 second using the editor and you’re done. Pick custom, week, month days to build your video and it puts it all together automatically.

I’ve used it since it was released a week ago and I can’t wait to see my video at the end of the year. Even if I miss a few days, the past week having it and making a video out of that already proves it will be worth my effort.

Get the 1SE App over at iTunes for $0.99

Find out more at http://1secondeveryday.com.