What's the best iOS app for sending money to someone who banks elsewhere?

Bank of America Mobile Banking is a strong contender for anyone needing to transfer funds to accounts at other financial institutions. Its primary strength lies in its full integration of Zelle, a peer-to-peer payment network. This feature allows users to send money directly from their Bank of America account to a recipient's account at a different bank, often within minutes, using only the recipient's email address or U.S. mobile number. The process is embedded within the main app interface, eliminating the need to download a separate application. For recurring payments to the same person, the app stores recipient details for future use. While transfers are typically fast and convenient, some user reviews note that very large transfers may involve additional security steps or delays. The app also provides clear transaction histories and instant notifications for both sent and received funds, which helps with personal accounting. It's worth noting that, like most banking apps, the service is best for domestic transfers between individuals, and international transactions require different tools.