13 Untraceable Money Transfer Apps [2023 Anonymous Transfers]

By Jim Marous 16 Min Read

The demand for untraceable money transfers has increased in light of the growing threat of cybercrime and concerns over privacy and government regulations. Since you seek to make untraceable money transfers, we have put together a comprehensive list of the best untraceable money transfer apps we have tested expertly.

What are untraceable money transfer apps?

Untraceable money transfer apps are typically peer-to-peer payment apps that offer untraceable money transfers and provide users with a quick, affordable, and secure way to send funds from one person or entity to another.

These apps simplify the payment process by linking your bank or credit card account to a digital wallet.

To use these apps, simply download the desired application, sign up, complete your KYC, and verify your account. 

Untraceable money transfer apps come in various forms, including mobile applications, anonymous digital wallets, and rechargeable anonymous payment cards. Each transfer method has unique uses and limitations.

Best untraceable money transfer apps

Best untraceable money transfer apps

The following are the best untraceable money transfer apps to download:

  1. CashApp
  2. PayPal
  3. Western Union
  4. Google Pay
  5. Venmo
  6. Paysafecard
  7. Payoneer
  8. Binance Pay
  9. Signal
  10. Monero
  11. Wirex
  12. Zcash
  13. Square
  1. Cash App

Cash App is considered one of the best untraceable instant money transfer apps without verification as it allows you to send money using only your $cashtag username. The only drawback is that it is currently only available in the UK and the US, and transfers can only be made within the country or between the two countries.

Creating a Cash App account is easy – you simply need to create a $cashtag username that does not need to match any of your names. This username is only used for transferring money between users on the platform. Even when closed, you can get your money back.

To send money anonymously on Cash App, follow these simple steps:

  • Open the CashApp mobile app.
  • Enter the amount you want to send.
  • Tap “Pay.”
  • Enter the recipient’s email address, phone number, or $cashtag username.
  • Enter the reason for the payment.
  • Tap “Pay”.

You can use Cash App to buy things in stores. Cash App does not store your financial information, making it difficult to trace who sent you money. The app also uses the latest encryption technology to protect your account information and prevent fraud.

Cash App offers optional security settings to prevent further fraud, such as requiring a pin when paying and sending a one-time-use login code. You can also disable the pin for your CashApp card if you forget it.

  1. PayPal

PayPal allows for semi-anonymous online fund transfers. To start using PayPal, you can open an account online using your computer or smartphone. It will only be traceable if your bank decides to review your account for whatever reasons.

Like other platforms, PayPal ensures secure online transactions by encrypting data, making it difficult for hackers to follow your transactions and steal from you. Additionally, you can choose a different username for your PayPal account if you prefer not to use your name.

To make an untraceable online payment using PayPal, you will need to link a credit card or bank account to your account for payments. When completing a transaction, your recipient will only see your registered name and email address. Meanwhile, with PayPal, you can link to your checking account and shop on stores with your routing and account number.

Creating a PayPal account with a disposable email address and virtual credit card allows you to send payments that are difficult to trace, although the process can be a bit cumbersome.

To use your smartphone to send money with PayPal, follow these simple steps:

  • Click on “Send and Request” at the top of the page.
  • Choose from the three available options.
  • Enter the email address or mobile number of the recipient.
  • Enter the amount you wish to send and click “Continue.”
  • Review and confirm the transaction on the screen, then click “Send Money Now.”
  1. Western Union

Western Union is a well-known financial services company with over 150 million customers in 200 countries and territories. With a 130-currency portfolio, it has become a popular alternative to traditional banking for many people.

Western Union is one of the untraceable money transfer apps with fast, reliable, private, and secure money transfers globally. It offers users the ability to send money anonymously, ensuring that their identity is kept confidential throughout the transaction.

Moreover, individuals can receive money without the need for a bank account, ensuring that their banking and financial information remains private.

  1. Google Pay

Since 2018, Google Pay has been combining the features of Android Pay and Google Wallet into one platform. It serves as a digital wallet and an online payment system for untraceable money transfer.

Similar to PayPal, Google Pay allows users to send money semi-anonymously using a virtual credit card and a disposable email. It is also one of the least expensive untraceable money transfer apps since there are no fees when using debit cards or bank transfers.

Google Pay is quite flexible due to its integration with other Google services. Users can send and receive money through Gmail and Android Messages. To use the app, you only need the recipient’s phone number or email address.

However, there may be issues when using Google Pay to pay for goods or services from nearby merchants. Only merchants that accept contactless payments can accept this payment method, which may not be available for small businesses.

  1. Venmo

Venmo is an app that allows for untraceable money transfers, but unfortunately, it is only available in the US.

If you use Venmo, you can create a username to send and receive money anonymously. Venmo employs data encryption protocols to prevent hackers from tracing your transactions.

To send money using Venmo, follow these steps:

  • Open the Venmo app.
  • Tap the “Pay or Request” tab.
  • Enter your recipient’s username, phone number, or email. If they’re nearby, you can scan their QR code to send money.
  • If the recipient is not beside you, they will receive the money and the only information they will have about you is your username.
  • You can also use a registered Venmo email that doesn’t include your name to send money. This method will hide your real identity from your recipient.

However, be careful when using Venmo, as the company is known to block accounts.

  1. Paysafecard

Paysafecard is an online payment service that operates on prepaid vouchers with a 16-digit PIN, and it is not linked to any bank account, credit card, or personal data.

Customers easily purchase vouchers or gift cards from local stores and pay online by entering the code at the checkout. Since the retailer only receives information about the Paysafecard voucher, which has no connection to personal information, the platform is regarded as an untraceable money transfer application.

Customers can make anonymous online transactions using their Paysafecard 16-digit PIN after buying the vouchers with cash. The platform is the most popular prepaid online payment method worldwide, and up to ten PINs can be combined to make larger transactions and subscription payments.

Although it is an excellent way to make anonymous online payments, it is easier to find Paysafecard vouchers for sale in Europe than in North America. Furthermore, the platform can only be used with an internet connection due to the need for both online and offline transactions.

To find local businesses that sell Paysafecard vouchers, use the mobile app.

  1. Payoneer

Payoneer is an untraceable money transfer app that allows you to fund campaigns and other projects discreetly. It offers a discreet bank account that you can use to receive money from any organization, company, or individual, in your own name.

Payoneer also allows you to send money anonymously without disclosing your name and personal information. To use the service, you need to create an account with Payoneer, provide your personal information, and complete the verification process.

Once your account is set up, you can send and receive money using just your email address. Payoneer even provides bank details that you can use for companies that require a bank account.

Payoneer promises not to share your personal information with any third parties, providing an additional layer of privacy and security

  1. Binance Pay

Binance Pay uses the power of cryptocurrency along with the fast and simple technology of CashApp. If you require a cryptocurrency payment method, Binance Pay is the way to go. By using an email address or Binance Pay ID, you can effortlessly send money in under 10 seconds.

Here are the steps to follow:

  • Go to your BinanceApp dashboard
  • Click on Wallet
  • Select “Funding” from the navigation panel
  • Click on Pay on the resulting page
  • Click on “Send”
  • Use your Binance ID or Binance “pay ID” to make your payment

These two options are untraceable, ensuring that your money transfers between individuals cannot be traced by your bank or government authorities

  1. Signal

Although primarily known as a messaging app, Signal is also a noteworthy money transfer app that facilitates anonymous payments. While it is not an expected addition to this list, Signal’s secure and private servers allow for end-to-end encryption of text messages, voice calls, and video calls, as well as secure and anonymous money transfers.

It should be noted, however, that Signal is not available in the United States.

  1. Monero

Monero is a decentralized digital currency that utilizes privacy-enhancing technologies to obfuscate transactions and ensure anonymity and fungibility. Its publicly distributed ledger is designed to make every transaction untraceable, thanks to its unique transaction obfuscation technique called “ring signatures.”

Additionally, Monero provides confidential transactions and stealth addresses, which hide the origin, destination, and amount of each transaction. As a result, some people prefer Monero over alternatives like Bitcoin and Ethereum, which lack the same level of privacy and traceability.

  1. Wirex

When considering untraceable money transfer apps, Wirex is certainly a top contender. In essence, Wirex is a robust crypto-exchange platform that enables both individuals and businesses to manage traditional and digital currencies in a single location.

Wirex leverages blockchain technology, a decentralized ledger technology, to provide fast, secure, and anonymous money transfers.

Moreover, Wirex offers a virtual debit card that enables users to make anonymous online or in-store purchases.

  1. Zcash

Zcash is an additional digital currency that operates on a decentralized network and provides users with the ability to make untraceable money transfers.

To ensure enhanced security and privacy, Zcash employs an advanced form of applied cryptography called “zero-knowledge proofs.” This feature enables shielded addresses to authenticate transactions without revealing the identity of the sender.

A transaction from one Z address to another is recorded on the public blockchain, indicating its occurrence and confirmation of the fees paid. However, the transaction amount, addresses, and memo field are encrypted and not accessible to the public. This encryption is facilitated by zero-knowledge proofs.

  1. Square

Square Cash is a money transfer app that provides similar functionality to CashApp, allowing users to transfer and receive money through $Cashtags and other essential features. A $Cashtag is a unique screen name that enables anonymous payments and payment receipts.

A $Cashtag is the simplest way for individuals who don’t use the Square app to pay you. You don’t need to create a temporary email address, but it’s recommended.

Square encrypts your payments to prevent hackers from accessing them. It manages everything, so there’s no need to involve any third parties.

Square provides same-day and instant money transfers, with transactions completed within 24 hours on business days, even for bank transfers; transactions are relatively fast.

To open an account with Square: Simply visit the website, provide the necessary details, and start using the app for untraceable transfers.


What money app is untraceable?

The money apps that are untraceable are Venmo, Cash App, PayPal, and the other money apps mentioned in this article.

How do I send untraceable money?

To send untraceable money, use prepaid debit cards or gift cards to keep your identity hidden. Additionally, create separate email accounts and use pseudonyms when setting up online payment app accounts, like Venmo, Cash App, and Zelle, to send money anonymously.

Can I send money anonymously through Google pay?

Yes, it is possible to send anonymous payments through Google Pay. This is because Google Pay uses tokenization technology, which generates a new virtual account number for every transaction, without storing your actual credit card information. If used correctly, it provides a completely anonymous payment method.

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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.
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