Dwolla is similar to Venmo in the sense that you send money to a contact through the app. With Dwolla, any transfer that is over $10 comes with a $0.25 fee. While transferring money through the Dwolla app is easy, it has a stringent verification process when you sign up (you may even be required to send a photo verification and wait a couple business days for approval). Dwolla is also only available in the United States, which is limiting compared to the other options.

Dwolla’s advantage, of course, is that it never costs more than $0.25 per transaction to move money, regardless of the amount. Dwolla can also speed up the transfer process with next-day transfers.