Top 5 digital wallets for personal use in 2021

Last Updated on: 22nd November 2023, 06:49 am

A long time ago, people used cash to pay for goods and services. Then they’ve obtained an excellent opportunity to pay quickly and easily with a credit card, but today more and more people prefer to use digital wallets.

What is the best wallet to choose?

You will learn the answer to this and other questions in this article.

Why use digital wallets?

Paying with digital wallets is much more convenient than using cash. Only people who have never used this method of payment can argue with this.

Thanks to digital wallets, the task of sending money to your relatives is solved in minutes. At the same time, such a transfer is safe.

If you decide to visit the store but suddenly find that you forgot the wallet at home, digital wallets will save the situation and allow users to buy all the goods they need.

The best wallet is…The wallet that is most convenient for you.

Let’s consider the most popular wallets and highlight their pros and cons.

Google Pay

Payments from this Wallet must be made using NFC technology. The main thing is that the reader is at a close distance.

The creators of this wallet have already taken care of customers’ financial security through a unique number DPAN. Now, when the financial account information reaches the merchants, it is replaced, and the possibility of self-serving and illegal use of your data is reduced to zero.

This wallet provides a vast range of options for funding your account using electronic systems. All these possibilities will be available no matter what country of the world you live in because this wallet is truly international and universal.

On the Internet, there are almost no stores that do not accept payment using google pay.

And this wallet saves you money! After all, we often spend them out of habit. Thanks to the detailed view of all costs, you can understand where you spent the money unwisely and unnecessarily, where you succumbed to emotions, and then can reduce the second expenditure to a minimum.

The solution allows users to receive and send money for free without paying a cent. Shopping with Google Pay is also free.

You also have the opportunity of transferring funds from your Google Pay account. You will pay one and a half percent of the transaction amount, or 31 cents if it is more.


A high level of information security and convenience of using the funds is guaranteed. And it will be the protection of the world’s leading banks!

Transfer money to other users and get it quickly to your wallet, not forgetting to pay for the purchases in online stores worldwide. Users could use credit cards for easy and fast payment just by linking them to the Venmo wallet. There are also opportunities to transfer money via QR codes.

The nice peculiarity is that you won’t have to pay any commission if you register and pay with Venmo. However, if you use a credit card, you will have to pay 3% of the payment amount.

Apple Pay

The world’s leading companies such as Nike, Amazon, and Disney already accept payments with Apple Pay, giving their customers access to the most secure payments possible.

If you have an Apple device in your hand, it’s the easiest way to pay for your purchases.

All the information you need to validate your payment successfully is already stored in your account. If you are comfortable paying by credit card, you can also link your card to your account at any time.

Paying by card, you won’t have to pay anything, just as you would if you used a balance. The rest of the rates are pretty loyal.

Cash App

This feature-rich app truly meets all the high-security standards for storing customer data.

The possibilities for customers with Cash App are endless. There is no financial transaction you can’t make. Send and receive money, pay for goods and services, and accept money for charity.

However, before you make a payment to one of the companies, make sure it’s a Cash App partner, or you’ll just be wasting your time.

Get ready to be pleasantly surprised by the possibilities of this wallet. Even with 1 dollar on your balance, you will be able to invest this money in buying stocks, and if you need to transfer money into bitcoins in a hurry, this is also possible.

Making quick transactions on your account, be prepared to pay a fee of 1.5%, and if you are withdrawing money from an ATM, in addition to the cost of the bank itself, you will need to pay a $2 Cash App. Purchasing cryptocurrency is also convenient but unlikely to be commission-free.


If you can store money and accept payments in 25 different currencies, you definitely shouldn’t give that up. Plus, one of the most popular wallets provides unique data encryption mechanisms and ensures that your financial information is safely hidden from intruders.

With this wallet, you’ll be able to send money to other people in just a couple of simple steps, while receiving funds will not be any more difficult.

Need to send a bill? No problem. It’s much easier to do than it used to be.

Once you connect your bank account, you’ll be able to pay for goods and services from it. Speaking of payments, PayPal supports all credit cards.

How do you know if you’ve spent too much money? The expense record function will help you. In addition, you will see where and how much money came to your wallet.

The good news is that you will use this wallet for free to buy goods and services without any conversion. You will also not pay anything when sending or receiving money from other people, but only if you use an account opened with a bank.

If the money is sent by a U.S. resident using a credit card, you will have to pay a 2.9% fee and 30 cents. A similar fee applies to online sales transactions.

PayDo: Another wallet worth considering

When someone needs to send money instantly, it’s best to use a proven solution like PayDo. With this wallet, you can completely forget about waiting for funds to be received by another user.

PayDo has various solutions both for individual users and for businesses.

The speed, security, and reliability of transfers are advantages of this wallet.



Whichever digital wallets you use, always check what commissions you will pay for transfers and receiving funds, and most importantly, use reliable wallets that have a positive reputation.

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