8 Best Digital Wallet Apps For Android In 2022

Digital wallets are quite popular these days as they facilitate easy payments through smartphones with complete protection. With wallets, you can not only send and make payments or pay bills but also enjoy the benefits of coupons, tickets, and passes.

Very much like contactless cards, digital wallets have their limitations and not all are the same. So, in this post I am going to help you choose the best digital wallet apps for Android that best suit your needs, is secure, and offers great features and rewards.

So keep reading…

Is Digital Wallet for Android Safe?

Digital wallets for Android use high security to encrypt and protect user’s personal and financial account information. It replaces your card number or bank account details in the form of token which makes the information more secure.

Typically when you use the physical card to swipe or to dip at a merchant’s payment reader, hackers can easily retrieve those card details using skimmers or other methods but that’s not possible with wallets.

In fact, an additional authentication password, one-time password, or PIN is required to complete the transaction process with wallets which makes digital wallets more reliable and secure.

8 Best Digital Wallet Apps for Android

Here are some of the best digital wallet apps for Android that offer security measures and similar features. You can choose the right app for your Android, in terms of your personal preference or credit cards you own.

1: Google Pay

Best Payment Apps for Android

  • Latest Version: 128.1.7 (arm64-v8a_release_flutter)
  • Requires: Android 5.0 +
  • Size: 24.44 MB
  • Website: pay.google.com
  • Rating: 3.9

Google Pay is one of the best digital wallet apps for Android developed by Google. It is a fast and secure payment app that works with the banks supporting BHIM UPI (Unified Payments Interface).

It can be accessed with a PayPal account. You can make payments by installing the Google pay application or by directly from the website.


  • Includes multi-layer advanced security
  • Pay bills for electricity, gas, water, landline, broadband, and many more
  • It supports QR code payments
  • Receive and send money from/to bank account
  • Uses Gold Locker to securely deposit users’ gold. So you can sell, buy or gift gold and earn 24K gold.
  • Support all major banks
  • Pay on online stores
  • Check bank account balance
  • Book flights, IRCTC train tickets, bus tickets and can also order favorite meals.


  • Protects users payment information from hacking and fraud activities
  • No need of reloading wallets.
  • No additional KYC is required


  • No international payments
  • The middleman holding area is required to process the transaction between sender and recipient

download Google Pay

2: Samsung Pay

Best Mobile Payment Apps

  • Latest Version: 4.0.87
  • Requires: Android 5.0 +
  • Size: 76.98 MB
  • Website: Samsung.com
  • Rating: 4.6

Samsung Pay wallet stores reward cards, debit cards, and credit cards. It also allows paying on stores. You can transfer card details to another smartphone user.


  • Debit and credit card transaction
  • Allow in-store and international payments
  • Support NFC and MST technology making it most acceptable mobile payments
  • Allow to checkout Visa
  • Support online tokenization
  • Fingerprint, Iris scan, PIN authentication is available for security
  • Pay on online stores
  • Get reward for paying using Samsung pay


  • It uses an encrypted version of the actual card number


  • Supports in-store payments only.

download Samsung Pay

3: PayPal Mobile

Digital Wallets & UPI Payment App for Android

  • Latest Version: 7.41.0
  • Requires: Android 5.0 +
  • Size: 29 MB
  • Website: paypal.com
  • Rating: 4.2

PayPal Android wallet app is a simple and secure way to access money. It allows users to withdraw cryptocurrencies and send them to third-party wallets. It also has so many useful features that make it one of the best mobile payment apps on Android.


  • PayPal support QR code payment
  • Send and Receive money
  • Services and goods are payable in PayPal wallet
  • Sell or buy cryptocurrency
  • Notifies on instant payments
  • 24/7 keeps monitoring transactions


  • Transfer funds easily
  • Encryption technology is secured


  • Not acceptable widely

download PayPal Mobile

4: Venmo

Best Digital Wallets for Android

  • Latest Version: 8.22.0
  • Requires: Android 5.0 +
  • Size: 111 MB
  • Website: venmo.com
  • Rating: 4.3

Venmo wallet app is used to pay small amounts or send money to family or friends. You can express yourself while sending or receiving payment by using animated stickers or emojis.

To deposit money in a bank account or to transfer money via credit card Venmo charges fees. This app also has some more great features. Take a look at its key features to know why it is one of the best payment apps for Android.


  • Split the basic bills such as groceries, utilities, rent
  • Connect with friends using emojis, stickers, and gif’s
  • Share transaction on Twitter or Facebook with a special message
  • Support QR code payments
  • Allow local shopping and pay online stores


  • Access Facebook contacts
  • Support International payments
  • Effortless to send and receive cash


  • It doesn’t include rich features
  • Privacy is set to default which creates risk in payment
  • Limited acceptance by retailers
  • In-Store payments are not supported

download Venmo

5: Zelle

Best Digital Wallet Apps For Android

  • Latest Version: 5.6.0
  • Requires: Android 5.0 +
  • Size: 35 MB
  • Website: zellepay.com
  • Rating: 4.2

Zelle is the next best digital wallet for Android. It is a US-based wallet app that was previously known as clearXchange. It works with credit unions and leading banks across the US to provide a safe, easy, and faster way to transfer funds.

If you have a bank account in the US then only you can use the Zelle wallet app on your Android. It allows $ 5,000 per day and $ 10,000 per month to transfer the amount.


  • It is free, easy, and fast to use.
  • No need to use Zelle app separately to accept received money. Users only need to enable Zelle on the bank site or app.
  • Payments reach directly to the recipient’s bank account. No middleman holding area is there to process the transaction as in the case of Venmo
  • If the recipient not enrolled with Zelle then you can cancel the payment by selecting the Stop Payment option.


  • Does not charge any fees, it is free to use
  • Transfer funds faster
  • No new accounts or apps are required
  • No middleman


  • No International payments
  • Doesn’t allow paying in-store.
  • No social network connection
  • Shares information with marketers
  • Not allowed using gift cash card or credit card for the payment process

download Zelle

6: Walmart

Best Digital Wallets for Android

  • Latest Version: 21.10
  • Requires: Android 5.0 +
  • Size: 103.16  MB
  • Website: walmart.com
  • Rating: 4.2

Walmart is a US multinational application that includes a Walmart Pay wallet for the user to save money and purchase the item directly from this wallet.


  • Multiple layers of protection provide safe and secure transaction
  • Online shopping gives 5% cash and 2% cash for any purchase at Walmart store
  • Support barcode and QR code payments
  • Saves your purchase item receipt in Walmart app which you can use to return an item back to the store associate


  • It is free to use on Android
  • Information of credit card is not transferred to Walmart stores


  • It works a bit slow
  • Sometimes issue occurs while adding a bank account.

download Walmart

7: CashApp

Walmart App on Android

  • Latest Version: 3.39.3
  • Requires: Android 5.0 +
  • Size: 13.53 MB
  • Website: cash.app
  • Rating: 4.2

CashApp is the US and UK-based wallet payment service which is also known as Square Cash developed by Square, Inc.

It allows spending $25,000 per month, $10,000 per week, $7,000 per day, and per transaction.


  • Investing feature allowing to trade stocks through the platform
  • Buy and sell bitcoin for which CashApp charges transaction service fee and additional fee for market activity across US exchanges
  • Charges 3% for credit card transaction
  • Set direct deposit to use free ATM withdrawal or else it charges $2 for using ATM with Cash Card


  • Doesn’t charge fees for the transaction process
  • Receive bonus cash of $5 per user signing up through referral code


  • Doesn’t receive FDIC insurance

download CashApp

8: Vodafone M-Pesa

Vodafone M-Pesa

  • Latest Version: 2.6.4
  • Requires: Android 6.0 +
  • Size: 37 MB
  • Website: vm.co.mz/M-Pesa2
  • Rating: 4.2

Vodafone M-Pesa is a global digital wallet Vodafone Mobile Money Payment service. This is mostly used in Kenya and Africa and used by both Android and iOS users.

M-Pesa allows the users to easily send and receive money, pay bills, purchase goods and even get a short-term loan.


  • Allow saving money in the virtual account and render payments to businesses & merchants.
  • Completely secure, every transaction is triggered with an active phone number and pin set by the user
  • Allow transferring money among service and in some markets such as Kenya
  • Allow sending payments at partner merchants with QR codes
  • Easy withdrawal from ATMs, using QR codes at partner merchants
  • Let you access the transaction menu just by dialing *400#, or by dialing 55400 from the registered Vodafone mobile number.


  • Easy to use
  • Accessing an account requires no internet connection or GPRS.


  • Limited to some countries

download Vodafone M-Pesa

How Digital Wallets for Android Work?

Most of the digital wallets come pre-installed on Android phones. You just need to add the card number, name of the cardholder, CVV number, and expiry date. Then you have to verify your debit/ credit card details using the authentication process.

Once your card details get loaded in the Android wallet, you can’t see your card number or any sensitive information.

FAQ: Learn More About Digital Wallet Apps

1 - Are digital wallets safe to use?

Yes, they are completely safe. Digital wallets utilize safe encryption technology, passwords, and verification for keeping financial information safe. They are one of the safest and most secure payment methods.

2 – What are the different types of e-wallets in the market?

There are 3 different types of e-wallets available worldwide:

  • e-wallets
  • digital wallets
  • mobile wallets

3 - Digital wallet vs Mobile wallet: What are the differences?

Digital wallet is a wide term of software that lets you store credit card, debit card, and loyalty card numbers in the cloud and access them from the devices like tablets, phones, or laptops.
Mobile Wallet is a type of digital wallet and is accessible through the app on the mobile phone.


There are lots of Android wallet apps designed for users to access transactions electronically.

So, read this article thoroughly in order to choose the Android wallet app from the 8 best digital wallet apps For Android.

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