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| By Pixels.com |
Intro:
"In this article, you will know about the top 5 digital wallets in the U.S. These are fast, secure, and most of them are usually free mobile payments.
I also explain why these wallets are best for you, which one you should choose, for which device, and which one is best for you. If you transfer instantly, how many fees will it take? Best safety tips for you. And last, I will give you my recommendations on which one you should choose according to your mobile device."
No. 1 Apple Pay
Easiest choice if you have an iPhone.
If you have an iPhone or Apple Watch, then believe me, Apple Pay is the best option for you.
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| By FreePik.com |
The question is why?
Its transactions are very easy, like a simple check. Add card numbers, it will ask you for your Face ID, fingerprint Print or a Passcode to approve payments.
All data or card numbers will be private, super secure, and impossible to hack.
If you want instant transfers, it will carry small fees. Again, best for iPhone or Apple Watch users. Free for regular purchases.
No.2 Google Wallet – Best Choice for Android users
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| Google Wallet |
Google Wallet is the best option for you if you are an Android user. It stores your cards, transit passes, tickets, and IDs in one place, and it also sends tokens instead of real card numbers.
The question is, why should you choose?
Fee-free, whether you use it in stores or in apps, fee for customers. It’s a good single app for everyday purchases and travel passes, or even tickets.
Best for Android users who want all services in one wallet.
My advice: keep your phone’s lock screen secure and only add cards you trust (family members & friends).
No.3 Zelle – Best for P2P, B2B Transfers
Zelle is totally different from the above 2
The question is, why?
It transfers money between bank accounts. Many Big U.S. banks build
Zelle right into their apps.
In Zelle, you can easily send money,
get funds, and for most favourite customers it charges zero fees.
Most efficient and fastest speed for person-to-person transfers. Due to its fast speed, most users prefer this wallet for daily transactions.
My Recommendation is to use this only for transactions between you and family or friends or a trusted user.
Because the U.S Attorney's Office filed a lawsuit against Zelle for $1 billion fraud.
It is best for your trusted people to transfer, because once
you send money, you can’t return it.
For example, if you send
money to a stranger or someone you don’t trust, then you don’t
return that money.
Be careful.
No. 4 PayPal
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| Paypal wallet |
PayPal works at tons of online stores and gives you a layer of full protection.
The question is how?
It’s
flexible. If a seller disappears or items never arrive, you can
easily get from PayPal.
My personal recommendation is best for
online purchases.
Its fee is totally free for daily purchased items, but it may
contain fees for business sales.
Best for you if you want to purchase/sell online safely and easily. Make sure to check for fees for big transaction.
No. 5: Cash App
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| Cash App |
Best for P2P with Extras
Cash App is very popular because it makes peer-to-peer payments extremely simple and adds extras like a debit card, easy direct deposits, and even small-scale stock or Bitcoin buying.
It takes 1-to-2 days to transfer to your bank accounts.
The question is, why choose this?
People who want quick peer-to-peer payments and also credit cards, and easy investments.
Instant withdrawals may incur some fees, and a credit card may require an extra fee.
5 Tips to Secure Your Wallet
Tip No.1: Set a lock like Biometrics and a passcode.
Tip No.2: Turn ON Bank notification alerts so you see charges immediately.
Tip No.3: Don’t use Zelle or instant transfers because it’s impossible to reverse.
Tip No.4: Keep apps and your phone updated. Updation will secure your wallet and phone.
Tip No.5: Never share one-time passcodes or verification codes with anyone.
My recommendation for you:
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| By Pixels.com |
“If you want the smoothest tap-to-pay in stores Apple or Google wallet best option.
But if you want instant fee-free bank transfers to friends/family, Zelle best option.
If you want to buy or sell online and want buyer/seller protection, PayPal best option.
If you want a P2P app + debit card + Buy investing Cash App best option for you."
"So these are the top 5 digital wallets best for everything.
Your choice is which one fits you.
My recommendation is to choose two that fit you. One for online shopping and the second one for Person to Person or Bank to Bank transfers."
“Go cashless with confidence and peace of mind — find your perfect digital wallet today.”
“Curious about personal finance, financial cybersecurity, or the latest in fintech? Click here to explore more easy-to-read guides.”