8 mobile applications to facilitate payment between friends

To facilitate reimbursement between friends, there are several online payment applications, which allow transfers to be made easily and free of charge, via a smartphone.


Very popular, Lydia is a French application that has existed since 2011, and which allows its users to send and receive money online. You can easily link Lydia to your bank account, to top up your balance and reimburse your friends, or recover the money sent to you. The application offers a detailed history of transactions, and allows payments to be made using the recipient’s phone number or QR code. A pot feature to collect money at an event is also available.

Available on iOS and android.

© Lydia

2. PayPal

PayPal is the most widely used online payment service in the world. It allows you to send money easily and securely between loved ones. You can thus make free transfers to reimburse your friends, create an online kitty or even use your balance to make purchases. The application offers a system of personalized links to share to request refunds in an easy way. It is also possible to use the email address or phone number to send money.

Available on iOS and android.

© PayPal


Paylib is an online payment service created by several French banks. It allows you to make instant transfers, to reimburse friends for example. It is possible to send money on Paylib to anyone, as long as they have a bank account domiciled in France or Monaco. The maximum transaction amount is set by each bank. The beneficiary of the transfer is informed instantly by SMS.

Available on iOS and android.

© Paylib

4. Pumpkins

Pumpkin is an online payment application that simplifies reimbursement between relatives. She offers to make transfers free of charge, to balance expenses between friends. You can create a collective slate, in the form of a spreadsheet, which allows you to indicate who owes how much to whom, according to all the expenses incurred by each. It is possible to request a refund, which is sent directly to the desired contact. To transfer money, all you need is your recipient’s phone number.

Available on iOS and android.

© Pumpkins

5. Lyf Pay

Lyf Pay is a payment platform between friends that simplifies money transfers between friends. Everything goes through the application, and money transfers are made instantly. You can easily make refund requests on Lyf Pay, and transfer the amount received to your bank account. If your beneficiary does not use the application, he will receive an SMS which will invite him to create an account to recover his money easily. The platform also allows you to create online pots to collect money on a particular occasion.

Available on iOS and android.

lyf pay
© Lyf Pay


Splitwise is a group expense organization app that automatically calculates reimbursements for a group. Based on everyone’s payments, Splitwise shows who owes whom how much. You can simply add expenses at any time so you don’t forget them. The application offers to refund your friends directly, by paying online, but you can also indicate if a refund has been made outside the application.

Available on iOS and android.

© Splitwise

7. Tricount

Tricount is a group expense calculator application, which allows you to balance the total bill, indicating who must reimburse whom. It allows you to add each expense directly, and updates automatically. Each participant can see the expenses added by the others, as well as the status of each person’s accounts and debts. The balance is displayed in red if the person has to send money, and in green if they have to receive it. You can make out-of-app refunds, or use Lyf Pay (see above) directly in Tricount.

Available on iOS and android.

© Tricount

8. Our accounts with friends

Our accounts with friends is an expense calculation application for groups, created by the bank BNP Paribas. It allows you to manage the budget by monitoring common expenses, to balance over time. The platform simply calculates the amounts due, and updates in real time when an expense is added. You can manually adjust the sums if needed. The refund can be made offline, or go directly through the application, which offers to pay via Lyf Pay (see above).

Available on iOS and android.

our accounts with friends
© Our accounts with friends

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8 mobile applications to facilitate payment between friends

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