Can send the cell app to Venmo

Venmo Vs Cell Best Mobile Payment App in 2019

There are many different mobile payment apps out there, some of the most popular ones being Square Cash, PayPal, Venmo, etc. There is one that has recently entered the fray - Cell - which was founded by leading banking and credit unions. Cell is designed so that you can easily connect with friends and family using a phone number or email address. however, it has not turned into the cell's flawless developers.

Definitely, if you use Venmo or we're comparing the two to show you how they stack up, we hope that in the end you can make an informed decision about your next mobile payment app.


First, let's look at Venmo. Venmo is a mobile payment app that allows you to send and receive payments. You can request and Receive payments from friends, family, and business - the first two are completely free, but there may be some business transactions (i.e. bill payments). This is usually no more than a 0.01% to 0.03% fee on the total amount received.

One downside to Venmo is that it doesn't allow you to transfer money to your bank account like you can with Square Cash. Credit can only be withdrawn from your bank via an ACH transaction. When you do so, Venmo will give you the estimated time of arrival. Usually this is a working day, but it can vary on weekends and bank holidays.

Venmo gives you monthly records of activity in the mobile payment app, just like you would get a bank statement from your local bank or credit union.

Although you can't send money instantly, you can still use cards to make payments with a debit card at your bank. For example, you can use your bank card in Venmo to repay a friend's pizza or movie ticket for the previous night. You can also use a credit card. Charges apply when paying by credit card. Venmo has a 0.03% credit card transaction fee.

Even so, Venmo is free to download and use. Overall, it's a great mobile payment app that you can try for yourself on the Google Play Store.

Download now: Google play


Next we have cell. Cell was launched by top US banks and credit unions after seeing the success of independent mobile payment apps like PayPal, Square Cash, and Venmo. The idea was that consumers could send money from bank account to bank account at Cell using just a consumer's phone number or email address. However, Cell works terribly if your financial institution isn't integrated with Cell. Your money can be withheld, and some reviewers even claim that the money they tried to send has just disappeared.

Cell does not charge any fees for using their service, although they say banking fees will likely apply. Another interesting factor about cell is that you can only use it with Visa and MasterCard which are linked to US checking accounts. This means that other card services such as American Express are not supported. This of course alienates a large part of their customer base.

Cell has a ridiculous amount of bugs, glitches, and limitations. Most people have trouble registering and setting up their cell account. Even if they can set it up and supposedly work, errors usually occur when trying to send money. Additionally, Cell won't let you send money unless they have access to your full contact list, which is a nightmare for Android.

The Cell App is truly a disaster and should be avoided too. Banks that wanted to mutually reinforce each other had great potential, but everything they had turned into a nightmare for consumers to access funds.

If you want to try it out for yourself, you can do so at the link below. As mentioned earlier, it is free to download and use, so at least get your hands on it.

Download now: Google play


As you can see, Venmo is probably your best decision here. More versatile, with better developer support and the ability to repay friends and family instantly. Plus, it's a great way to capture bill payments without too many fees.

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