What is Venmo and how does it work? 2026 guide to understanding how Venmo works in the United States

Venmo is a digital payment app in the United States that allows people to send and receive money quickly from their phones. The platform works as a peer-to-peer (P2P) payment service, meaning users can transfer money to friends, family members, or other contacts using a linked bank account, debit card, or available balance within the app.

Over the last several years, Venmo has become one of the most widely recognized payment apps for splitting bills, paying rent, reimbursing friends, and handling everyday payments in the U.S.

What Is Venmo?

Venmo is a digital payment app for quick transfers between people who know each other. It is commonly used to split a restaurant bill, to pay rent between roommates or even for sharing costs for trips or events. Venmo operates within the United States and requires compatible payment methods such as U.S. bank accounts or debit cards.

Verified users can send up to $60,000 per week. Transfer limits vary based on account verification status and may change over time.

How does Venmo work?

To start using Venmo, users first need to download the mobile app on iPhone or Android and create an account using an email address or U.S. phone number. After setting up the account, users can connect a payment method such as: a U.S. bank account, a debit card, a credit card, or an existing Venmo balance.

Once the account is ready, users can search for another person on Venmo using their name, username, phone number, or QR code. From there, they can either send money or request a payment.

Venmo fees — Cost table

Venmo fees can change over time. Always review the latest information directly on Venmo's official website.

Is Venmo available in Spanish?

Venmo is not available in Spanish; the app operates entirely in English. However, you can make the app display in Spanish by changing your smartphone's system language. Venmo does not offer customer service in Spanish.

Can I use Venmo as an immigrant?

Venmo requires a U.S. bank account or debit card to work. If you do not have access to traditional banking services, it may be difficult to get started. Also, Venmo does not allow international remittances, so if you need to send money to family in Latin America, you will need a different service.

Venmo vs. Común — Direct comparison

When does it make sense to use Venmo?

Venmo may be useful if: your friends and family already use Venmo, you mainly need fast domestic payments in the U.S., and you have a linked U.S. bank account.

FAQ

Is Venmo available in Spanish?

No. Venmo operates entirely in English without Spanish customer support.

Can I send money to Mexico with Venmo?

No. Venmo only supports domestic transfers within the U.S.

How much does Venmo charge?

Standard bank transfers have no additional fee. Instant transfers carry a 1.75% fee. Credit card payments may have a 3% fee.

Is Venmo safe?

Venmo uses encryption and identity verification. However, like any P2P app, transactions are difficult to reverse once completed.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank.

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Digital Banks in the United States: A Clear Guide to Opening Your Account

Having access to affordable financial services with features that let you carry out multiple operations in one place is essential for immigrants living and working in the United States.

Digital banks are a comprehensive solution that combines financial management with mobile technology to streamline processes compared with traditional banks.

These features are especially beneficial for immigrants looking for an alternative to access services that are often less feasible through institutions with physical branches.

In this guide, we explain why you should consider integrating digital banking into your lifestyle, how to open an account, and options for digital banks in the United States.

What Is a Digital Account and How Does It Work?

A digital account is a financial product that operates entirely online through mobile applications and digital platforms (website), removing the need to travel to a physical location to complete banking operations.

Here are some benefits of digital accounts.

• Mobility and 24/7 access from anywhere: they are not limited to teller hours and allow transactions at any time and place.

• Convenience for making payments and international money transfers: they allow sending money within and outside the country quickly.

• Security and transaction control from the app: they include safeguards to prevent misuse of personal data and crimes such as fraud.

How to Open a Digital Account in the United States Step by Step

Opening a digital account is usually simpler than with traditional financial institutions—not only because it can be done from a mobile device, but also due to flexible requirements that allow immigrant communities to access financial services with the same quality standards.

These are the steps to open a digital account in the United States.

Required Documents

Unlike traditional banking services, you can open a digital account with documents you use day to day.

• Official identification from your home country (valid passport, consular ID, driver’s license).

• In some cases, proof of address in the United States.

Account Opening Process

Once you have your documents ready, follow these steps.

Step 1. Register on the digital platform/mobile app.

Go to the digital bank’s website or mobile application of your choice and enter your personal information to register.

Step 2. Identity Verification and Approval.

For security reasons, digital banks require an identity verification process that includes submitting an official ID, a selfie, and, in some cases, facial recognition.

Step 3. Account Activation and Access to the Mobile App.

Once the digital bank verifies your identity, you’ll receive an activation notice. Immediately afterward, you can access all services, set up direct deposits, send money in real time, and manage your finances.

U.S. Financial Platforms Recommended for Immigrants

If you’re wondering which digital platform for immigrants is ideal, there are several effective options, so it’s best to compare them and choose the one that best fits your expectations.

Común

Fees: Affordable fees for international money transfers to Latin America.

Ease of use: Open an account from a mobile device with a qualifying official identification from your home country.

Spanish support available: offers 24/7 customer service also available in Spanish via WhatsApp or the mobile app itself.

Mobile access: you have access to a mobile app for comprehensive financial management.

Zelle compatibility: not integrated.

Ally Bank

Fees: most accounts do not charge monthly maintenance fees. Approximately $20 for domestic wire transfers.

Ease of use: a 100% digital platform offering a mobile application and a website.

Spanish support: limited Spanish-language service.

Mobile access: service compatible with mobile devices.

Zelle compatibility: integrated.

Wells Fargo

Fees: maintenance and overdraft fees vary by account type.

Ease of use: offers mobile banking, online banking, and a digital assistant.

Spanish support: available.

Mobile access: full mobile features.

Zelle compatibility: integrated.

Revolut

Fees: charges a 1–3% fee for adding money via credit or debit card.

Ease of use: offers comprehensive, easy-to-use digital products.

Spanish support: you can change the app language, but there is no Spanish-language support.

Mobile access: fully available.

Zelle compatibility: not integrated.

Mercury

Fees: offers international USD transfers at no additional cost.

Ease of use: focused on corporate and tech companies.

Spanish support: not available.

Mobile access: fully available, but more focused on web dashboards.

Zelle compatibility: not integrated.

Cash App is another efficient financial platform—here we explain its benefits.

The Importance of Using Your Account Safely and Efficiently

Although digital platforms offer security measures to protect your assets, it’s always wise to keep the following recommendations in mind to reduce risks.

• Set up transaction notifications and security alerts: they help you stay on top of your activity and detect any suspicious behavior.

• Use strong passwords and enable two-step verification: this reduces the risk of falling victim to hackers.

• Review activity regularly and learn to identify suspicious alerts: check text messages and transaction notifications, and report any unrecognized charges immediately.

• Take advantage of the mobile app’s functionality for quick and reliable transfers: send and receive money easily within and outside the United States.

Discover Común, the Financial Option for Immigrants

In this article, we presented a practical alternative to traditional institutions so you can decide which digital bank in the United States fits your needs.

Común is not a bank, but a digital platform, it offers a mobile app and a debit card that work together to provide a service ideally for the immigrant community.

You can open an account with qualifying official identification from your home country and a mobile device to access the financial service you deserve.

Open your account with Común and start sending, receiving, and withdrawing money.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

Can I open a digital account without a Social Security Number?

Unlike traditional banks, digital accounts often have more flexible requirements, and it may be possible to open one with a qualifying official identification from your home country and, in some cases, proof of address in the United States.

Are digital banks in the U.S. safe?

Yes, digital banks in the United States have security measures such as two-step verification and encryption. It’s advisable to apply all possible security measures, such as using a strong password and enabling notifications.

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Común no tiene sucursales, pero cuenta con un equipo que apoya a sus clientes las 24 horas del día, los 7 días de la semana, sin salir de sus hogares, en tres idiomas diferentes.

Construir mejor futuro para los inmigrantes en los EE. UU. es un principio fundamental de la misión de Común. Opciones bancarias accesibles y fáciles de entender son una parte clave del viaje del inmigrante. Sin embargo, las opciones son escasas.

Las opciones complejas, engorrosas y costosas son la norma. Actividades que pueden parecer triviales e intuitivas para los nacidos en los EE. UU. son abrumadoras y confusas para un inmigrante recién llegado. Todo, desde configurar un depósito directo con un empleador hasta enviar dinero a casa, realizar pagos de bienes y servicios o comprender cómo construir un puntaje crediticio, parece demasiado complejo para cualquiera que nunca haya tenido que hacer esto en los EE. UU., y mucho menos en absoluto.

Las tarifas ocultas y las comisiones costosas añaden un nivel de estrés al comenzar una vida financiera en los EE. UU. Entre los saldos mínimos de cuenta, las tarifas mensuales, los cargos por sobregiro, las grandes tarifas de depósito de cheques, las comisiones extorsivas de transferencias internacionales y todo lo demás, mantener y usar una cuenta bancaria en los EE. UU. puede ser costoso. Para los trabajadores manuales, esto puede representar un porcentaje importante de su salario.

Las ubicaciones físicas de los bancos tradicionales también pueden ser escasas en algunas áreas. Dado que abrir una cuenta bancaria o depositar un cheque o efectivo en la cuenta debe hacerse en la sucursal, esto es una carga significativa para alguien que vive en una zona remota. Muchos inmigrantes, a veces trabajando en granjas o fábricas remotas, viven en áreas a kilómetros de distancia de la sucursal bancaria más cercana. Los costos de transporte a esas sucursales se suman a las tarifas ya altas de usar y mantener una cuenta.

Incluso si los servicios bancarios proporcionados fueran más intuitivos, digitales y a un costo menor, queda otra barrera importante. Obtener la documentación necesaria para abrir una cuenta bancaria también puede dificultar el acceso a servicios financieros justos y simples. Los inmigrantes lo suficientemente afortunados como para tener autorización de trabajo aún necesitan reunir documentación importante que no siempre está disponible para ellos. Para aquellos que han llegado a los EE. UU. buscando asilo o mejores oportunidades de trabajo siguiendo un camino más no convencional, los documentos requeridos para abrir una cuenta a menudo son prohibitivos.

Construir una plataforma bancaria 100% digital para resolver los problemas mencionados es parte de lo que Común busca lograr porque creemos en ayudar a desbloquear la movilidad social. Pero una plataforma digital, de bajo costo e intuitiva no es suficiente. Para navegar este proceso, los inmigrantes necesitan ayuda, y la ayuda se encuentra mejor en una Comunidad que los entiende cuando más lo necesitan.

Es por eso que no solo nuestros clientes son parte de nuestra Comunidad, sino también las personas que los ayudan las 24 horas del día, los 7 días de la semana a través de nuestra aplicación, redes sociales, WhatsApp o por teléfono. Más allá de resolver un problema inmediato, el apoyo brindado va más allá. Enseña y educa, empatiza y se esfuerza por fomentar un sentido de Comunidad de personas que los entienden, en términos que comprenden y en el idioma que hablan. Este es el núcleo de la verdadera banca comunitaria digital. Nuestro equipo les ayuda a configurar su depósito directo, conectarse a Zelle, obtener reembolsos por cargos con los que no están de acuerdo y todo lo demás.

En Común, el primer paso en este viaje ha comenzado. Nuestro equipo en Mérida, México, es parte de nuestra Comunidad y a la que buscamos servir. Son una extensión de nuestra misión y de nuestra plataforma digital, y un ingrediente necesario para desbloquear la movilidad social para millones de inmigrantes en los EE. UU.

Basic requirements to file taxes for the first time in the United States

Although getting a job in the United States brings a series of benefits for the quality of life of immigrants and their families, it also means committing to fulfilling the obligations required by the country's laws.

Filing a tax return is one of the processes everyone who has earned income must complete. This is done by submitting a report of annual income to the Internal Revenue Service (IRS).

Filing a tax return is particularly important for everyone, as it opens the door to access financial services such as mortgage and  personal loans, which in turn help build a financial record especially for immigrants.

Filing taxes is a stressful and often confusing process for most people, especially when it involves understanding the tax institutions of another country.

Below, we show you a step-by-step guide to help you fulfill your tax obligations in the U.S. and access the benefits that come with it, such as receiving refunds and building a financial record in the country.

What documents do you need to file your taxes?

The first thing you should know to file your tax return in the U.S. is the documentation required by the IRS to process your information.

Make sure you have the following documents:

• Tax Identification Number: if you do not have a Social Security Number (SSN), you must apply for an Individual Taxpayer Identification Number (ITIN).

• Qualifying official identification from your home country: valid passport, driver’s license, or any official document that verifies your identity.

• Proof of income: W-2 forms if you are a salaried employee and your employer withholds taxes, and Form 1099 if you are self-employed.

• Proof of address in the United States: utility bill or rental agreement.

• Financial information: checking account and routing number to receive your refund through direct deposit, if any.

Tax preparation: step by step for your first filing

It is important to stay alert during tax season and prepare in advance to meet the deadlines established by law.

Follow these steps to ease the stress of tax obligations.

Step 1. Gather all your documents

The first step is to gather all the necessary documents to file your annual tax return.

• Form W-2: this document details your salary and the amount of taxes already withheld; request it directly from your employer.

• Form 1099: used by people who work independently.

• Benefit or assistance letters: if you receive any government benefit or tax credit, the IRS sends letters to include in your tax return.

Step 2. Choose how to file

Once you have your documentation in order, you must decide how you will file your return: on your own or with professional help.

• Self-prepared tax filing: you can use various IRS-approved tax preparation software such as IRS Free File, TaxSlayer, or TurboTax, which simplify the process by automatically calculating your taxes.

• With the help of a tax preparer, if you have multiple income sources or are self-employed, the best option is to hire an authorized preparer to ensure everything is filed correctly. You can also go to a community organization that offers low-cost assistance.

Step 3. File your tax return in the United States on time

Keep in mind that the deadline to file your tax return is usually April 15 each year. It is essential to submit your tax return within the deadline to avoid penalties and delays in receiving your refund.

How much does it cost to file taxes, and which option is best for you?

As mentioned before, there are different ways to file your tax return, which vary in cost and level of support offered. The best option depends on several factors, such as your income level and how familiar you are with tax topics.

Below is a comparative table of the different ways to file taxes in the United States.

Method

Approximate cost

Level of support

Doing it yourself with IRS-approved software

Free or up to $25

Low. Although the platform guides you step by step, you must enter all the information yourself.

With the support of community organizations

Free or up to $50

Medium. You receive assistance from certified volunteers.

With private preparers or accountants

$150 to $500, depending on complexity

High. The preparer does all the work and answers your questions.

Practical tips to avoid mistakes in your first tax filing

If this is your first time filing taxes in the United States, it may seem like a very complex task. Keep these tips in mind to ease the stress associated with the process.

• Don’t wait until the last minute to file: keep the deadline in mind and prepare several weeks in advance.

• Verify that all forms match your income: remember that the required form depends on your type of work. Make sure your income matches what you report.

• Keep copies of all submitted documents: create both a physical and digital file to have every record handy.

• Check official IRS resources for immigrants: always access official websites ending in .gov.

• Avoid relying on third parties that promise higher refunds: remember that tax preparers or community organizations must be certified by the IRS to ensure your filing is done properly and your personal data remains secure.

Común, your financial support after filing your taxes

We’ve shown that the tax filing process is not as complicated as it seems. Now you know which steps to take and which method to use based on your situation.

Just as filing taxes helps you organize your financial situation, Común helps you manage your day-to-day finances.

Discover all the benefits of Común!

• Open a checking account with a qualifying official identification from your home country.

• Mobile app available in Spanish and English, specially designed for the immigrant community.

• Ability to receive your tax refund directly into your account.

• Debit card for daily expenses and international money transfers to Latin America.

Discover Común, the option dedicated to serving the needs of immigrant communities in the United States, with support available in Spanish.

Frequently Asked Questions (FAQ)

If you still have questions, check this section.

What happens if I don’t file my taxes in the U.S.?

Not filing your tax return may result in IRS penalties, accumulated interest, and withheld future refunds.

Can I file taxes without a Social Security Number?

If you do not have a Social Security Number, you can apply for an ITIN.

Is it better to file my taxes myself or with a tax preparer?

It depends on your situation: if you have only one source of income, you can use software, but if your income is higher or more complex, the best option is to consult a professional.

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How to call Mexico from the United States easily and affordably

There’s no doubt about the impact the Mexican community has had in the United States due to the number of immigrants who have arrived in recent decades and who, despite the distance, need to stay in touch with their loved ones.

One of the most common points of confusion when making an international call has to do with the order of the required codes. However, with the right information, placing a call from the United States to Mexico is very simple.

Below, we’ll show you step by step how to dial, practical examples for major cities, as well as modern options to save money no matter how long you’re on the phone with your loved ones in Mexico.

Basic steps to call Mexico from the USA

To connect a phone call from the United States to Mexico, you need three basic pieces of information: the exit code, Mexico’s country code, and the local number.

These are the steps to call Mexico.

Dial the international prefix

011 from a U.S. landline or “+” from a mobile phone.

Add Mexico’s country code

The code is 52.

Dial the 10-digit national number

Include the area code plus the local number

Practical examples:

• Mexico City: 011 + 52 + 55 123 1234
• Guadalajara: 011 + 52 + 33 123 1234
• Monterrey: 011 + 52 + 81 123 1234

It’s important to clarify that it used to be necessary to add the prefix 1 for cell-phone calls, but this requirement was eliminated in 2019.

Area codes and example calls to Mexican cities

In Mexico, each city has an area code (lada) made up of 2 or 3 digits. Taking that into account, all Mexican phone numbers have 10 digits in total.

Below is a table with examples of how to dial from the United States to Mexico.

City

Area Code

Dialing example from the United States

Mexico City 

55

011 + 52 + 55 + ########

Guadalajara

33

011 + 52 + 33 + ########

Monterrey

81

011 + 52 + 81 + ########

Puebla

222

011 + 52 + 222 + #######

Tijuana

664

011 + 52 + 664 + #######

León

477

011 + 52 + 477 + #######

Querétaro

442

011 + 52 + 442 + #######

Mérida

999

011 + 52 + 999 + #######

Cancún

998

011 + 52 + 998 + #######

Chihuahua

614

011 + 52 + 614 + #######

Modern and more affordable options for calling Mexico

Long-distance calling used to be very expensive, especially when made directly— a drawback for people who wanted to keep in touch with family abroad since costs were charged per minute.

Fortunately, today you can choose far more affordable alternatives that also offer unlimited minutes and other communication benefits such as messaging and video calls.

These are the most popular low-cost options for calling Mexico from the United States.

VoIP apps and services over Wi-Fi

VoIP (Voice over IP) apps are one of the most accessible alternatives for communicating with people worldwide.

The main advantage of mobile apps is that they allow domestic and international calls over a Wi-Fi or data connection. This significantly reduces costs and eliminates the need for local phone coverage, though a good internet connection is important.

WhatsApp is a popular app of this kind, given its large user base and a variety of features beyond calls, such as voice notes, voice dictation, video notes, and video calls.

Other similar alternatives include Skype, Google Voice, and Telegram.

International plans from your carrier

If you want to make long calls and not rely on Wi-Fi, a recommended alternative is to get an international plan with included or unlimited minutes to Mexico.

For example, Verizon Global Calling has a plan that includes unlimited minutes to Mexico and Canada.

If you’re still in Mexico, Telcel offers international roaming packages and eSIM for travelers.

Prepaid calling cards

Another solution for calling Mexico is using a prepaid calling card.

Here are some examples.

Company | Cost | Validity/Expiration Enjoy Prepaid | From 0.9¢/min to landlines, 2.9¢/min to mobiles. | After 183 days of inactivity. BOSS Revolution | 1.9¢/min to landlines and mobiles. | Credit remains while the user is active. Calling Card Plus | From 0.8¢/min to landlines and 2.5¢/min to mobiles. | Depends on the plan; may include per-minute rounding or a weekly charge.

Company

Cost 

Validity/Expiration

Enjoy Prepaid

From 0.9¢/min to landlines, 2.9¢/min to mobiles. 

After 183 days of inactivity.

BOSS Revolution

1.9¢/min to landlines and mobiles.

Credit remains while the user is active

Calling Card Plus

From 0.8¢/min to landlines and 2.5¢/min to mobiles.

Depends on the plan; may include per-minute rounding or a weekly charge.

Bundles with included minutes

A bundle is a package that, in addition to international calls, includes other related services. For example, Verizon Global Choice offers 300 minutes for $10 per month.

Practical tips for immigrants

Taking care of your finances is essential to stay in touch with your family in Mexico. Here are some tips to keep you connected.

• Use apps over Wi-Fi whenever possible: they’re a very affordable alternative, as long as you have a good internet connection.

• Compare rates from different companies: take time to review each provider’s international rates as well as specific terms.

• Consider family bundles or special plans for Mexico: given the geographic proximity between Mexico and the United States, there are several communication options designed for families who frequently contact relatives.

Stay connected with your family in Mexico thanks to Común

In this article, we showed you how to call Mexico from the United States with the correct code sequence, via mobile and landline. We also shared tips to keep in touch with your family through more accessible means such as mobile apps and international plans with minutes to Mexico.

In addition to staying in touch with family, Mexican immigrants also often need services that let them send money home.

• Discover the benefits of Común, the platform that brings you closer to the people you love most!

• Checking account with clear, competitive fees.

• Accessible international money transfers.

• Común’s mobile app is available in Spanish and accepts more than 100 eligible official IDs for account opening.

• Debit card for everyday purchases and payments.

Don’t lose touch with your country! Open your account with Común and connect with the financial platform dedicated to shortening the distance.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

What happens if I dial the number without the 011 prefix?

If you don’t dial 011 or “+” on mobile phones, your call won’t be recognized as international and will either connect as a local call or return an error.

Is it better to use apps or international calling plans?

It depends on your needs. Apps are an excellent alternative but depend on a good internet connection. International plans require a SIM, but they offer more stable calls along with other communication services.

Which option is best for saving money?

A very convenient option to save money is an app like WhatsApp, since it works over an internet connection.

How can I dial an 800 number from the United States to Mexico?

800 numbers are toll-free within Mexico, but from the United States they do carry a cost. To dial, you must enter the exit code and the country code.

Another option is to look for that institution’s alternate number for international calls.

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What is Venmo and how does it work? 2026 guide to understanding how Venmo works in the United States

Venmo is a digital payment app in the United States that allows people to send and receive money quickly from their phones. The platform works as a peer-to-peer (P2P) payment service, meaning users can transfer money to friends, family members, or other contacts using a linked bank account, debit card, or available balance within the app.

Over the last several years, Venmo has become one of the most widely recognized payment apps for splitting bills, paying rent, reimbursing friends, and handling everyday payments in the U.S.

What Is Venmo?

Venmo is a digital payment app for quick transfers between people who know each other. It is commonly used to split a restaurant bill, to pay rent between roommates or even for sharing costs for trips or events. Venmo operates within the United States and requires compatible payment methods such as U.S. bank accounts or debit cards.

Verified users can send up to $60,000 per week. Transfer limits vary based on account verification status and may change over time.

How does Venmo work?

To start using Venmo, users first need to download the mobile app on iPhone or Android and create an account using an email address or U.S. phone number. After setting up the account, users can connect a payment method such as: a U.S. bank account, a debit card, a credit card, or an existing Venmo balance.

Once the account is ready, users can search for another person on Venmo using their name, username, phone number, or QR code. From there, they can either send money or request a payment.

Venmo fees — Cost table

Venmo fees can change over time. Always review the latest information directly on Venmo's official website.

Is Venmo available in Spanish?

Venmo is not available in Spanish; the app operates entirely in English. However, you can make the app display in Spanish by changing your smartphone's system language. Venmo does not offer customer service in Spanish.

Can I use Venmo as an immigrant?

Venmo requires a U.S. bank account or debit card to work. If you do not have access to traditional banking services, it may be difficult to get started. Also, Venmo does not allow international remittances, so if you need to send money to family in Latin America, you will need a different service.

Venmo vs. Común — Direct comparison

When does it make sense to use Venmo?

Venmo may be useful if: your friends and family already use Venmo, you mainly need fast domestic payments in the U.S., and you have a linked U.S. bank account.

FAQ

Is Venmo available in Spanish?

No. Venmo operates entirely in English without Spanish customer support.

Can I send money to Mexico with Venmo?

No. Venmo only supports domestic transfers within the U.S.

How much does Venmo charge?

Standard bank transfers have no additional fee. Instant transfers carry a 1.75% fee. Credit card payments may have a 3% fee.

Is Venmo safe?

Venmo uses encryption and identity verification. However, like any P2P app, transactions are difficult to reverse once completed.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank.

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ITIN vs SSN: What's the difference and why does it matter?

If you are authorized to work in the United States, you need a Social Security Number (SSN). If you are not eligible for an SSN but still need to file taxes or access certain financial services, you may need an Individual Taxpayer Identification Number (ITIN).

If you recently moved to the United States, you have probably heard the terms 'ITIN' and 'SSN' many times already. They often come up when opening a bank account, filing taxes, applying for work, or trying to build credit.

Understanding the ITIN vs SSN difference matters because each number serves a different purpose in the US financial and tax system.

What is an SSN?

A Social Security Number (SSN) is a nine-digit identification number issued by the Social Security Administration. It is primarily used to track earnings, taxes, and eligibility for certain federal benefits.

SSNs are generally issued to:

• US citizens
• Permanent residents
• Certain noncitizens authorized to work in the US (for example: people with work visas, some asylum applicants or refugees)

An SSN is required for legal employment, payroll reporting, and access to some government programs.

What is an ITIN?

An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service, known as the IRS. ITINs are designed for people who are not eligible for an SSN but still have US tax filing obligations or need access to certain financial services.

An ITIN can be used by:

• Immigrants without SSN eligibility
• Dependents or spouses of US residents or visa holders
• International students or temporary visa holders in certain situations
• Individuals required to file US taxes

It is important to note that an ITIN does not authorize someone to work in the United States.

ITIN vs SSN Comparison Table

Which one do I need?

You need an SSN if:

• You are a US citizen
• You are a permanent resident
• You are legally authorized to work in the United States
• Your employer requires it for payroll and tax reporting

You may need an ITIN if:

• You are not eligible for an SSN
• You still need to file taxes in the United States
• You want to access and open financial accounts
• You want to begin building a financial history

Many recent immigrants apply first for an ITIN while they are still navigating the US financial system or while they're waiting for changes in their work authorization status.

Can I have both an ITIN and an SSN?

Yes, in some situations a person may have both at different stages of their life. For example, someone may initially receive an ITIN because they are not eligible for an SSN at the time. Later, if they become eligible for work authorization or permanent residency, they may receive an SSN. When this happens, the SSN becomes the primary identification number used for taxes and financial reporting.

What can I do with each?

An SSN can be used to:

• Work legally in the United States
• Receive wages through payroll systems
• File taxes
• Access certain federal benefits if eligible
• Open debit card and checking accounts
• Apply for loans and credit products
• Build credit history

An ITIN can be used to:

• File taxes with the IRS
• Open debit card and checking accounts at institutions that accept ITINs
• Build credit with lenders that report ITIN activity
• Establish financial history in the US

Can you work with an ITIN?

An ITIN itself does not authorize employment in the United States. It is primarily a tax identification number used for IRS reporting purposes.

Does an ITIN build credit?

An ITIN may help some people begin building credit history in the United States. Certain banks, lenders, and financial platforms report account activity linked to ITINs to credit bureaus. Policies vary by institution.

How can I apply for an ITIN?

Applying for an ITIN generally involves submitting:

• A completed IRS Form W-7
• A valid federal tax return (unless you qualify for an exception)
• Proof of identity and foreign status

The IRS may request original documents or certified copies depending on the situation. Processing times may vary.

How can I apply for my ITIN with Común?

If you need or want help with the application process, Común offers ITIN application support for $199 with a money-back guarantee if the application is not approved. Visit comun.app/itin to learn more.

Requirements to apply for an ITIN with Común:

• You must live in the U.S.
• You must have a valid passport with an expiration date more than 6 months from the date of your application
• You will need to file your taxes to apply for an ITIN

The process:

• We recommend you open a debit account with Común from your mobile phone
• Complete the application form at comun.app/itin and submit your payment
• Upload a scan of your passport
• If you choose to file your taxes along with your ITIN application, upload documentation of your income from the previous tax year
• Común's agents will contact you via email if they have any questions
• Print, sign, and submit your completed official ITIN application (Form W-7)
• Común's agents will submit your application to the IRS

The application process does not consider your immigration status, and your status will not be reported to any government immigration authority.

Open your Común Account

A debit account can be a great first step to building your financial future in the United States. Común allows customers to open a debit account using ITIN, passport, country-of-origin ID, or more than 100 accepted Latin American valid IDs. You can open your Común account from your phone. The app is available in Spanish. Visit comun.app to learn more.

FAQ

What is the difference between ITIN and SSN?

An SSN is issued by the Social Security Administration primarily for employment, taxes, and federal benefits eligibility. An ITIN is issued by the IRS for people who are not eligible for an SSN but still need to file taxes or access certain financial services.

Can I have both ITIN and SSN at the same time?

In some situations, yes. A person may first receive an ITIN and later become eligible for an SSN. Once an SSN is assigned, it generally becomes the primary number used for taxes and financial reporting purposes.

Can I work legally in the US with an ITIN?

An ITIN alone does not authorize employment in the United States. It is primarily used for tax identification and reporting purposes through the IRS.

Do I need an SSN to open an account?

Not always. Some financial institutions, including Común, allow customers to open debit accounts using an ITIN, passport, or other forms of identification.

How do I apply for an ITIN?

Applying for an ITIN generally requires completed IRS Form W-7, identity documentation, and a filed federal tax return. The IRS may also request certified supporting documents.

How long does the ITIN application take?

Processing times can vary depending on the time of year and the completeness of the application. In many cases, ITIN applications may take several weeks to process after submission to the IRS.

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Knowing the cost of living in the United States is essential if you plan to build a life in this country. It includes the amount of money needed to cover basic expenses such as housing, food, health, public transportation, etc.

You’ve surely asked yourself before how much money you need to live well in the U.S. The reality is that this figure is relative, since costs vary considerably from one State to another.

However, in general terms, it is possible to state that the main expense is housing, followed by food and health services.

This time, we will explain how much it costs per month to live in the United States, which is the cheapest State to live in the USA, and the approximate costs you will have to cover so you can consider your monthly budget.

What does the cost of living in the United States mean?

Cost of living refers to the amount of money required to cover the necessary expenses to subsist, which are divided as follows:

• Housing: monthly rent or mortgage.

• Food: purchasing groceries and prepared food.

• Transportation: public transit or your own car.

• Health: health insurance, medical care, medications, treatments, etc.

• Education: tuition, school supplies.

• Basic services: electricity, water, internet.

The average cost of living varies in each State, because each one has a particular lifestyle that may be more or less affluent, depending on the type of services available and the area’s infrastructure.

Knowing which States are the cheapest in the United States is essential to adjust your monthly expenses in a competitive way.

Main expenses in the United States

Starting a new life in the United States entails covering a series of monthly expenses that could affect your finances if they are not planned correctly.

Below, we show you the national average of basic necessities in this country.

Housing: the largest monthly expense

Housing is the largest expense you will have once you arrive in the United States, especially if you plan to live in a city like New York, known for its high costs.

Housing costs also depend on whether it is a mortgage or rent.

In March 2025, the average rent was $1.575 USD for a one-bedroom apartment and $1.835 USD for a two-bedroom apartment.

On the other hand, in the same month, the average mortgage rose to $2.807 USD, which represents an increase of 5.3%.

Food and basic services

According to the Thrifty Food Plan from the United States Department of Agriculture (USDA), an adult between 20 and 50 years old requires approximately $309.20 USD per month, while a child between 9 and 11 years old spends around $234.20 USD.

Health and health insurance

As for health insurance, the cost depends on several factors, such as the beneficiary’s age, place of residence, and level of coverage.

This is the national average cost by level of coverage for people over 40 years old.

• Bronze: $488 USD

• Silver: $621 USD

• Gold: $676 USD

• Platinum: $913 USD

Transportation: public vs. own car

For its part, the national average cost of public transportation in the United States reaches $975 USD annually or $81 USD monthly, while the cost of maintaining a car exceeds a thousand dollars per month.

Cost of living in the United States by State and city

Remember that the previous figures are a nationwide average, so prices may be lower or higher depending on the city and State where you intend to live.

¹ RentCafe, 2025

² ZipRecruiter, 2025

³ Smart Assets, 2024

⁴ Smart Assets, 2025

⁵ Click2Houston, 2025

As you can see, the cities of New York and San Francisco are among the most expensive nationwide, so it is advisable to choose a more accessible place to live, such as Texas.

Remember that these data are an estimate and your salary could be higher or lower, as could your monthly expenses and the money needed to live.

What is the average salary in the United States?

Another important aspect in determining the cost of living in the United States is the average salary and the minimum wage—concepts that could be confused but are actually very different.

On the one hand, the minimum wage is the amount from which an employer must start to set employees’ pay. It is established by law.

This varies in each State. According to the U.S. government, at the federal level this figure reaches $7.25 USD per hour, although several States set a higher minimum. For example, in California and New York it is $16.50 USD.

The average salary is the average income a worker receives per month. This amount is obtained by adding total wages and dividing by the number of workers.

By contrast, the real amount needed to live comfortably is the sum of the average costs of essential services such as housing, utilities, and food, in addition to other types of expenses such as leisure.

It is very important to be clear about the difference between the average salary and the real cost of living, since it is likely that your salary will not match your needs, especially if you are the head of a large family.

For example, while the average salary in San Francisco, California, is $7,938 USD, the amount needed to live is $9,993. In contrast, it is worth highlighting States such as West Virginia, where the average salary is $5,405 per month and the income needed to live is $6,735 USD. As you can see, the gap is much smaller, which places this State as the most accessible to live in the United States.

Manage your money better in the U.S. with Comun

Having a checking account will make financial control easier so you can stay on top of all your monthly expenses, organize income, and send money home.

That’s what Comun is for! A financial platform designed for day-to-day needs in the United States through an easy-to-use mobile app that is available in English and Spanish. Opening an account is very easy and fast; you can do it with qualifying official identification from your country of origin.

In addition, it makes it easier to send remittances to several countries, up to the applicable limits, without complications, so that your family receives more money for less.

Why choose Comun?

• Get a Visa debit card.

• Send money home with accessible, transparent fees.

• Save money and pay your bills easily.

• Anti-fraud security

And much more!

Open your account with Comun today and manage your financial life in the United States with security and confidence.

Frequently Asked Questions (FAQ)

Which city in the United States is the cheapest?

Within West Virginia, cities such as Huntington, Charleston, or Parkersburg are often among the most affordable in the country.

Which state in the USA is more affordable to live in, according to the cost of living?

West Virginia is considered an affordable State in the country.

How can I calculate the monthly cost according to my lifestyle?

Add up your necessary monthly living expenses, for example:

Monthly cost: Housing+Utilities+Food+Transportation+Other

Minimum wage in the United States in 2026

The federal minimum wage remains $7.25 per hour, unchanged since 2009 under the Fair Labor Standards Act.

However, that number does not reflect what all workers earn. Many states, some cities and counties have set higher minimum wages, which means that your legal minimum pay depends on where you work.

Understanding the minimum hourly wage in the USA is not just about knowing the federal number. It's about knowing whether you are being paid what you are legally owed.

Why has it stayed the same for so long?

Changes to the federal minimum wage require approval from Congress. While there have been multiple proposals to increase it, none have passed into law. As a result, the federal rate has not kept up with inflation or the rising cost of living.

In practice, this means the federal minimum wage acts as a baseline, not the standard in many parts of the country.

Minimum wage by state in 2026

Workers must be paid the highest applicable minimum wage, whether it comes from federal, state, or local law.

Below is a representative minimum wage by state table for 2026. It is important to always verify your local rate, as some cities have higher minimums.

Source: https://www.dol.gov/agencies/whd/minimum-wage/state

A few things worth noting: The states in the $7.25 group include states that adopted that rate under state law, while Georgia and Wyoming technically maintain a lower state minimum wage of $5.15 per hour. However, for most employees covered by the Fair Labor Standards Act (FLSA), the federal minimum wage of $7.25 per hour generally applies instead.

Three states have mid-year increases scheduled for 2026: Alaska jumps to $14.00 on July 1, Florida rises to $15.00 on September 30, and Oregon adjusts as well.

States with the highest minimum wage

Some states and cities have set wages far above the federal level to match actual local living costs. The highest minimum wages in 2026 are found in:

• Washington, D.C. at $17.95
• Washington State at $17.13
• Connecticut at $16.94
• California at $16.90

If you are working in one of these places, your pay should reflect at least those standards and not the federal minimum.

States with the lowest minimum wage

Several states' laws set their minimum wage below what the federal minimum wage indicates; in this case the federal standard of $7.25 per hour takes precedence. Some of them are:

• Georgia at $5.15
• Wyoming at $5.15
• Alabama and Louisiana — no separate state minimum wage law

If you live and work in these states and work minimum wage, your salary should reflect the federal minimum hourly wage in the USA.

Minimum wage for tipped workers

For tipped workers, it's important to understand that federal law permits a lower base wage. Under the Fair Labor Standards Act, employers can pay as little as $2.13 per hour as long as tips bring total earnings to at least the applicable minimum wage.

If tips do not cover the difference, the employer must make up the gap. However, some states, like California, do not allow this lower rate and require full minimum wage regardless of tips. It is important to check with your official local authorities the specific laws in your state for tipped workers.

Minimum wage for young workers

Workers under 20 years old can be paid a youth minimum wage of $4.25 per hour during their first 90 consecutive calendar days of employment. After that period, or once the worker turns 20, employers must pay the standard minimum wage.

What if your employer pays you less than minimum wage?

If you are being paid less than the legal minimum wage, your employer may be violating federal, state, or local labor laws.

Workers generally have the right to:

• Be paid at least the applicable minimum wage
• Receive overtime pay where required by law
• Keep records of hours worked and wages received

Employees can report potential violations to the U.S. Department of Labor's Wage and Hour Division. In general, labor law protections relating to minimum wage and overtime apply regardless of immigration status.

How much do you earn on minimum wage?

Assuming full-time work at 40 hours per week, your monthly and annual income could look like this (before taxes):

These figures are estimates before taxes and depend on consistent full-time hours.

Is minimum wage enough to live in the U.S.?

In many parts of the country, the minimum wage does not fully cover the cost of living. Expenses such as housing, transportation, food, and healthcare vary widely by location. In states like California or New York, where the cost of living is high, even with better rates for minimum wages it may not be enough to support a family without an additional income.

It is important to consider the minimum wage and costs of living by state when choosing where to live and work.

How you get paid matters

Once you are earning, how you receive and manage your money can make a real difference. Some workers are paid by check or even in cash, which can make it harder to track income, build financial history, or send money to family.

Having a bank account or financial services platform may help:

• Receive direct deposits
• Track your income and expenses
• Send money securely to family members abroad
• Start building a financial roadmap to eventually access credit and build a credit history

For those who may not have access to traditional banking, there are a wide range of financial service providers and platforms including Común, which offer the ability to open a debit account with a passport or Matrícula Consular while you wait for your ITIN. You can manage your money through a mobile app which is also available in Spanish. Visit comun.app to learn more.

FAQ

Does the minimum wage increase in 2026?

The federal minimum wage remains $7.25, but many states continue to raise their rates annually.

What is the minimum wage in my state?

It depends on where you live. Always check your state and city laws, as local rates may be higher.

Can I be paid less if I am an immigrant?

No. Labor laws apply regardless of immigration status. You are still entitled to minimum wage and overtime protections.

Understanding your pay and what comes next

The minimum wage in the United States is not a single nationwide standard for all workers. It is a system shaped by federal law with state adjustments. Knowing the correct rate for your location is the first step. Making sure you are actually being compensated fairly is just as important.

Once you are earning, setting up a secure way to receive and manage your money can help you stay in control. With options like Común's debit account, you can receive direct deposits, track your income, and plan your finances in an app that is also available in Spanish. Visit comun.app to learn more.

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What is cashback and how does it work? A 2026 Guide

Cashback is a rewards system that gives you back a percentage of the money you spend on eligible purchases. In simple terms, when you buy something using certain credit cards, debit cards, apps, or rewards programs, you may get a percentage of your money back on purchases, though it is usually credited to your account rather than handed over as physical cash.

If you recently moved to the United States or are learning how the financial system works, you may have heard the term 'cashback' while shopping at places like Walmart, Target, gas stations, supermarkets, or online stores.

For many people, cashback can become a practical tool to manage everyday expenses such as groceries, transportation, gas, and household purchases. While the amounts may seem small at first, they can add up over time when used consistently and responsibly.

What is cashback?

Cashback is a type of financial reward that returns a percentage of your purchase after you spend money with a participating payment method or rewards platform.

For example:

• If you spend $100 at the supermarket using a card that offers 2% cashback, you may receive $2 back
• If a cashback app offers 5% cashback at a participating gas station and you spend $60 on fuel, you may receive $3 back

Unlike traditional discounts, cashback usually happens after the purchase is completed. The Consumer Financial Protection Bureau (CFPB) explains that cashback rewards are commonly offered through credit cards and loyalty programs as an incentive for spending.

How does cashback work?

Cashback programs generally follow a simple process:

• You make an eligible cashback purchase using the participating card, app, or rewards account
• The transaction is recorded by the provider
• A percentage of that purchase is returned to you as cashback

The reward may appear as:

• Statement credit
• Bank deposit
• Gift card
• Rewards balance
• Redeemable points
• Store credit

Some cashback rewards appear within a few days, while others may take an entire billing cycle or longer to process. There are often minimum redemption thresholds before you can claim your cashback. Certain programs may include expiration dates. It is also important to understand that not every purchase qualifies for cashback.

Cashback vs. traditional discounts

While cashback and traditional discounts can both help consumers save money, they work in different ways. A traditional discount lowers the price immediately at checkout, while cashback returns part of the money after the purchase has already been completed.

Types of cashback in 2026

Not all cashback programs work the same way. Before signing up for a cashback program, it is important to review details such as annual fees, interest rates, minimum redemption, expiration policies, and spending categories.

Fixed-rate cashback

This type gives the same cashback percentage on all purchases. Example: 1.5% cashback on everything you buy. This structure is simple because you do not need to track categories or rotating offers.

Category-based cashback

Some cards or apps offer higher cashback percentages in specific categories such as supermarkets, restaurants, gas stations, or streaming subscriptions. For example: 3% on groceries, 2% on gas, 1% on all other purchases.

Rotating cashback categories

Some providers change cashback categories every few months. One quarter may focus on gas stations and grocery stores; another may include online shopping and travel purchases. These programs sometimes require manual activation each quarter.

Welcome bonuses

Certain credit cards offer introductory cashback bonuses if you spend a minimum amount during the first months after opening the account. For example: spend $500 in the first 3 months and receive $150 cashback bonus. The Federal Trade Commission recommends reviewing terms carefully before applying for financial products with promotional offers.

Where can you get cashback in the United States?

Credit cards:

Many credit cards in the U.S. include cashback rewards. Some examples include products from Discover, Chase, Capital One, and American Express. Some cards focus on categories like dining or travel, while others offer flat-rate cashback.

Debit cards:

Some financial institutions offer cashback debit cards, although rewards are usually smaller than those offered by credit cards. This may appeal to people who prefer avoiding debt or credit card interest.

Cashback apps:

Several mobile apps partner with retailers and offer cashback rewards for purchases. Examples include Rakuten, Ibotta, Upside, and Honey. These apps may provide cashback for grocery shopping, online purchases, gas stations, and restaurants.

Store loyalty programs:

Retailers sometimes offer cashback or store rewards through membership programs. For example, supermarkets, pharmacies, and warehouse stores may return store credit or savings points after purchases.

Cashback vs. points vs. miles: Which is better?

Although they are often grouped together under the category of 'rewards,' each one works differently and can be useful depending on a person's spending habits, financial goals, and lifestyle.

Cashback programs generally return a percentage of the money spent on eligible purchases. Points systems usually assign a numerical value to purchases that can later be redeemed for products, gift cards, discounts, or services. Travel miles are typically associated with airlines, hotels, or travel-focused credit cards.

For many people, especially those focused on getting some value on their everyday expenses such as groceries, transportation, gas, or household purchases, cashback can feel more useful as the reward is directly connected to money rather than conversion systems or travel programs.

3 practical tips for using cashback responsibly

1. Use cashback for purchases you already planned

Focus on recurring expenses such as groceries, gas, transportation, and utility bills. This helps you avoid overspending simply to earn rewards.

2. Don't buy things you don't need

A cashback offer does not automatically make a purchase worthwhile. For example, spending $200 to earn $4 cashback may not help your finances if the purchase was unnecessary.

3. Track your cashback earnings

Many apps and financial platforms allow you to monitor spending categories, cashback totals, and monthly rewards. Tracking your rewards can help you understand your spending patterns and maintain financial goals.

Does Común offer cashback?

No. Común does not currently offer cashback programs.

However, Común provides tools and resources that offer guidance for Latin American immigrants navigating the U.S. financial system.

While cashback might be useful for some people, it is important to pay attention to commissions, as savings when commissions are included might not be as strong as initially perceived. When comparing financial tools in the United States, cashback is only one factor to consider. Fees, commissions, account accessibility, and transparency can also affect your financial experience over time.

Común's cost for opening a debit account is $0, same as the $0 minimum balance and $0 monthly commission for the debit account.

FAQ

What is cashback and how does it work?

Cashback is a rewards system that returns a percentage of your purchases after you spend money using eligible cards, apps, or loyalty programs.

How is cashback calculated?

Cashback is usually calculated as a percentage of the purchase amount. For example, if you spend $100 and your cashback rate is 2%, you receive $2 back.

Where can I get cashback in the United States?

Cashback is commonly available through credit cards, debit cards, shopping apps, and retailer loyalty programs.

What is the difference between cashback and points?

Cashback returns money directly, while points are part of rewards systems that may only be redeemed for specific products, gift cards, or services.

Does Común offer cashback?

No. Común currently does not offer cashback.

Is cashback taxable?

In many cases, cashback earned through purchases is generally treated as a rebate rather than taxable income. However, tax treatment may vary depending on how rewards are earned. The IRS recommends consulting a tax professional for specific situations.

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En la era digital, enviar y recibir dinero se ha vuelto más fácil y rápido que nunca. Existen aplicaciones móviles que nos permiten transferir fondos a amigos, familiares y negocios con solo unos clics en nuestro teléfono. En este artículo, te presentamos las mejores y más populares aplicaciones para enviar dinero de forma segura y eficiente.

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1. Zelle:

Zelle es una aplicación de transferencia de dinero desarrollada por un consorcio de bancos de EE. UU. que permite a los usuarios enviar y recibir dinero directamente entre cuentas bancarias. Al estar vinculado a las cuentas bancarias, Zelle ofrece una forma rápida y segura de transferir dinero sin la necesidad de una aplicación de terceros. Para utilizar Zelle, solo necesitas una dirección de correo electrónico o un número de teléfono móvil y una cuenta en un banco participante. Aunque sea la opción más popular en Estados Unidos en estos momentos, tiene mucho trabajo que cumplir para mejorar la accesibilidad en español.

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2. Común:

De las aplicaciones en esta lista Común es, sin duda, la mejor para la comunidad Latina en Estados Unidos. La experiencia del app de Común es totalmente en español, clara y rápida. Cuenta con servicio al cliente 100% en español. Con líneas de teléfono, chat, y mensajes de texto, Común es el app para mandar dinero más accesible para aclarar dudas. Además de las transferencias personales sin límites, Común también ofrece una cuenta bancaria y guías para poder conectar Común con Zelle, Paypal, Venmo y Cashapp. Asi es, aparte de ser una de las mejores apps para mandar dinero, con Común puedes conectarte a todos los apps en esta lista. Las cuentas Común están aseguradas por el FDIC hasta $250,000.

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3. PayPal:

PayPal es, sin duda, una de las aplicaciones de pago en línea más conocidas y utilizadas en todo el mundo. Con una presencia global en más de 200 países, permite a los usuarios enviar y recibir dinero en diferentes monedas. Además de las transferencias personales, también es ampliamente utilizado para pagos en línea en tiendas y plataformas de comercio electrónico. Cuenta con una función de protección al comprador y vendedor que brinda mayor seguridad en las transacciones.

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4. Cash App:

Cash App, desarrollada por Square, es otra aplicación popular para enviar y recibir dinero en los Estados Unidos. Con Cash App, puedes vincular tu tarjeta de débito o crédito para realizar pagos rápidos a amigos y negocios. Además, la aplicación permite comprar y vender criptomonedas como Bitcoin y ofrece un programa de recompensas llamado "Boosts", que brinda descuentos en compras en establecimientos seleccionados.

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5. Venmo:

Venmo es una aplicación propiedad de PayPal, especialmente popular entre los jóvenes en los Estados Unidos. Permite enviar y recibir dinero rápidamente entre amigos y conocidos, incluso con mensajes y emojis personalizados. Aunque Venmo es gratuito para transferencias personales, tiene una pequeña comisión para recibir pagos por servicios o ventas. Una característica distintiva de Venmo es su componente social, ya que permite a los usuarios ver y comentar las transacciones públicas de sus amigos.

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Enviar y recibir dinero nunca ha sido tan fácil como con estas aplicaciones populares y confiables. Cada una de ellas ofrece características y ventajas únicas, desde la presencia global de PayPal hasta la flexibilidad y accesibilidad de Común. Asegúrate de investigar y comparar las diferentes aplicaciones para encontrar la que mejor se adapte a tus necesidades y preferencias. ¡Comienza a realizar transferencias de dinero de manera rápida y segura hoy mismo!