Venmo

Sending or receiving money without a bank account can be a problem sometimes, but Venmo is a great tool for people that want to solve this problem. It doesn’t matter if splitting a dinner bill, concert tickets, or the cost of a road trip, the application will be able to cover all situations.
 
The application can be used to send money only with @username, phone or email, and it’s possible to sync with Facebook. Of course, Venmo uses data encryption to protect your financial information.