Send money as fast
as a text message.
Split dinner, pay rent, or send cash to anyone — instantly and for free. Bank transfers available too, with low fees and no surprises.
Every way to move money
Whether you're splitting a bill or paying your landlord, YoPay has you covered.
Send to friends
Pay anyone on YoPay instantly. Split dinner, cover a friend, or pay back what you owe — zero fees, zero friction.
Request money
Send a payment request with a note. Your friend gets notified and can pay you back in seconds.
Bank transfers
Move money to or from any external bank account via ACH. Low fee, reliable, and available any time.
Your money, always moving
A live feed of every send and receive, right in your pocket.
Jordan M.
Dinner split · 2 min ago
Taylor R.
Rent share · 1 hr ago
Alex K.
Coffee ☕ · 3 hr ago
Chase Bank
Bank transfer · Yesterday
Built for how you actually live
Instant delivery
Money between YoPay users arrives the second you hit send — no waiting, no delays, any time of day.
Split with a group
Add multiple people to a split and YoPay calculates everyone's share automatically. No more awkward math.
Scheduled transfers
Set up recurring payments for rent, subscriptions, or anything else. Never miss a payment again.
Bank-level security
Every transfer is encrypted end-to-end. Biometric authentication and real-time fraud monitoring keep your money safe.
Common questions
Move money the modern way
Join the waitlist and be first to send, receive, and split money with YoPay when we launch.