Best Digital Wallet Apps in 2026
Updated
In short: Guarda Wallet is ranked #1 of 44 as of 5 October 2026, ahead of Monzo and Monese. The best-ranked option with a free plan is Monzo. The lowest first paid tier on this page is Monese at £2.50/mo.
Choosing a digital wallet means considering what it supports, how you move funds and where you can use it. Compared on asset scope, peer and international transfers, these apps also list transaction limits, virtual cards and supported platforms. Free-plan availability and paid-from pricing offer additional cost details. Guarda Wallet, Monzo and Monese are among the options, with Google Pay also included. Think about whether local peer payments or cross-border transfers matter more to you, then compare the listed asset, limit and platform details with how you expect to use a wallet.
44 digital wallet apps ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
44ranked
15free plans on this page
£2.50/molowest paid tier
5 Oct 2026last checked
Input list Digital Wallet Apps 25 channels on this page · 98 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromAsset scopeVirtual cardsPeer transfersInternational transfersSupported platformsTransaction limit Spec sheet Score
01 Guarda Wallet Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersYesInternational transfersYesSupported platformsWeb, desktop (Windows, macOS, Linux), mobile (iOS, Android), browser extensionTransaction limitnot stated 4/8spec lines stated 7.7
02 Monzo Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsYesPeer transfersYesInternational transfersYesSupported platformsiOS, Android, webTransaction limit100 per transaction 7/8spec lines stated 7.6
03 Monese Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsYesPeer transfersYesInternational transfersYesSupported platformsiOS, Android and AppGalleryTransaction limit4,000 per transaction 7/8spec lines stated 7.4
04 Google Pay Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsYesPeer transfersYesInternational transfersYesSupported platformsAndroid, iOS, web/Chrome, and Wear OSTransaction limitnot stated 6/8spec lines stated 7.3
05 PayPal Invoicing Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersnot statedInternational transfersnot statedSupported platformsnot statedTransaction limitnot stated 1/8spec lines stated 7.3
06 Wise Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersnot statedInternational transfersnot statedSupported platformsnot statedTransaction limitnot stated 1/8spec lines stated 7.3
07 Apple Pay Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsYesPeer transfersYesInternational transfersnot statedSupported platformsiPhone, iPad, Apple Watch, Mac, Apple Vision Pro, and compatible web browsers/PCsTransaction limitnot stated 5/8spec lines stated 7.2
08 Coinbase Wallet Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersYesInternational transfersYesSupported platformsiOS, Android, web browser, Chrome extensionTransaction limitnot stated 4/8spec lines stated 7.1
09 Neteller Free planYesPaid fromnot statedAsset scopecards fiat + cryptoVirtual cardsYesPeer transfersYesInternational transfersYesSupported platformsweb, iOS, AndroidTransaction limitnot stated 6/8spec lines stated 7.1
10 PhonePe Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersnot statedInternational transfersnot statedSupported platformsnot statedTransaction limitnot stated 1/8spec lines stated 7.1
11 Venmo Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersnot statedInternational transfersnot statedSupported platformsnot statedTransaction limitnot stated 1/8spec lines stated 7.1
12 GoPay Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsnot statedPeer transfersYesInternational transfersYesSupported platformsAndroid, iOSTransaction limitnot stated 5/8spec lines stated 7.0
13 MetaMask Free planYesPaid fromnot statedAsset scopecards fiat + cryptoVirtual cardsYesPeer transfersYesInternational transfersYesSupported platformsWeb; Chrome, Firefox, Brave, Edge and Opera extensions; iOS; AndroidTransaction limit10,000 per transaction 7/8spec lines stated 6.9
14 Trust Wallet Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersYesInternational transfersYesSupported platformsiOS, Android, Chrome and Brave browser extensionTransaction limitnot stated 4/8spec lines stated 6.8
15 Alipay Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsnot statedPeer transfersYesInternational transfersYesSupported platformsiOS, AndroidTransaction limitnot stated 5/8spec lines stated 6.7
16 Cash App Taxes Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersnot statedInternational transfersnot statedSupported platformsnot statedTransaction limitnot stated 1/8spec lines stated 6.7
17 Revolut Business Free planNoPaid fromnot statedAsset scopecards + fiatVirtual cardsYesPeer transfersYesInternational transfersYesSupported platformsWeb, iOS, AndroidTransaction limitnot stated 6/8spec lines stated 6.7
18 Orange Money Free plannot statedPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersYesInternational transfersYesSupported platformsWeb, iOS, and AndroidTransaction limitnot stated 3/8spec lines stated 6.6
19 Coin Wallet Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersYesInternational transfersnot statedSupported platformsWeb, iOS, Android, macOS, Windows and LinuxTransaction limitnot stated 3/8spec lines stated 6.5
20 Rainbow Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersYesInternational transfersnot statedSupported platformsiOS, Android, Chrome, Firefox, Edge, Brave, Safari, Arc; macOS, Windows, LinuxTransaction limitnot stated 3/8spec lines stated 6.5
21 eSewa Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsNoPeer transfersYesInternational transfersYesSupported platformsWeb, Android, iOSTransaction limit25,000 per transaction 7/8spec lines stated 6.3
22 Skrill Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersnot statedInternational transfersnot statedSupported platformsnot statedTransaction limitnot stated 1/8spec lines stated 6.3
23 Solar Wallet Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersYesInternational transfersnot statedSupported platformsWindows, macOS, Linux, iOS, AndroidTransaction limitnot stated 3/8spec lines stated 6.3
24 bKash Free planYesPaid fromnot statedAsset scopenot statedVirtual cardsnot statedPeer transfersnot statedInternational transfersnot statedSupported platformsnot statedTransaction limitnot stated 1/8spec lines stated 6.2
25 GrabPay Free planYesPaid fromnot statedAsset scopecards + fiatVirtual cardsnot statedPeer transfersYesInternational transfersNoSupported platformsiOS, AndroidTransaction limit5,000 per transaction 6/8spec lines stated 6.2
Compare all 25 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Asset scope | Virtual cards |
|---|---|---|---|---|---|---|---|---|
| 1 | Guarda Wallet | 7.7 | Free plan | Free | Yes | — | — | — |
| 2 | Monzo | 7.6 | Free plan | Free | Yes | — | cards_and_fiat | Yes |
| 3 | Monese | 7.4 | Free plan | £2.50/mo | Yes | — | cards_and_fiat | Yes |
| 4 | Google Pay | 7.3 | Free plan | Free | Yes | — | cards_and_fiat | Yes |
| 5 | PayPal Invoicing | 7.3 | Free plan | Free | Yes | — | — | — |
| 6 | Wise | 7.3 | Free plan | Free | Yes | — | — | — |
| 7 | Apple Pay | 7.2 | Free plan | Free | Yes | — | cards_and_fiat | Yes |
| 8 | Coinbase Wallet | 7.1 | Free plan | Free | Yes | — | — | — |
| 9 | Neteller | 7.1 | Free plan | Free | Yes | — | cards_fiat_and_crypto | Yes |
| 10 | PhonePe | 7.1 | Free plan | Free | Yes | — | — | — |
| 11 | Venmo | 7.1 | Free plan | Free | Yes | — | — | — |
| 12 | GoPay | 7.0 | Free plan | Free | Yes | — | cards_and_fiat | — |
| 13 | MetaMask | 6.9 | Free plan | $16.58/mo | Yes | — | cards_fiat_and_crypto | Yes |
| 14 | Trust Wallet | 6.8 | Free plan | Free | Yes | — | — | — |
| 15 | Alipay | 6.7 | No | — | Yes | — | cards_and_fiat | — |
| 16 | Cash App Taxes | 6.7 | Free plan | Free | Yes | — | — | — |
| 17 | Revolut Business | 6.7 | No | £10/mo | No | — | cards_and_fiat | Yes |
| 18 | Orange Money | 6.6 | No | — | — | — | — | — |
| 19 | Coin Wallet | 6.5 | No | — | Yes | — | — | — |
| 20 | Rainbow | 6.5 | No | — | Yes | — | — | — |
| 21 | eSewa | 6.3 | No | — | Yes | — | cards_and_fiat | No |
| 22 | Skrill | 6.3 | No | — | Yes | — | — | — |
| 23 | Solar Wallet | 6.3 | No | — | Yes | — | — | — |
| 24 | bKash | 6.2 | No | — | Yes | — | — | — |
| 25 | GrabPay | 6.2 | No | — | Yes | — | cards_and_fiat | — |
Is your tool on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which digital wallet app is ranked first on Specifiction?
Guarda Wallet is ranked #1 of 44 with a score of 7.7. Monzo is second and Monese third.
How many of these have a free plan?
15 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Monese has the lowest first paid tier we found: £2.50/mo.
How is this list ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.
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