What's the best Android app for splitting bills and sending money to friends?

Venmo is a peer-to-peer payment app that excels at handling informal financial exchanges between friends and acquaintances. Its primary utility lies in simplifying shared expenses, like splitting a restaurant bill, contributing to a group gift, or paying a roommate for rent and utilities. The app’s interface is built around a social feed where transactions can be shared with comments and emojis, adding a layer of casual interaction that some users find engaging for non-sensitive payments. Specific features such as payment requests, the ability to split a charge among multiple contacts simultaneously, and instant transfers to a linked debit card for a small fee address common real-world scenarios. Reviews indicate users appreciate the speed of transactions and the seamless linking of bank accounts and cards. However, the social nature of the feed has drawn criticism regarding privacy, as default settings can make transactions visible within a user's network. Additionally, while the app offers purchase protection for qualified transactions, some user feedback points to challenges in resolving disputes with unauthorized payments, suggesting users should exercise caution and adjust privacy settings. For straightforward, everyday money sharing within a trusted circle, Venmo remains a widely adopted and functional tool, though its social features may not appeal to everyone.