What's the cheapest way to send money?

The cheapest way to send money is usually the method that avoids card fees, instant transfer fees, and wire charges. For U.S. person-to-person payments, bank transfer apps like Zelle are often free for consumers. If both people already use the same platform, sending from a linked bank account or app balance is typically the lowest-cost option. ACH transfers through a bank can also be inexpensive, though slower. Wires, credit card funding, and instant cash-out services usually cost more. So the cheapest method depends on who you are paying, how fast they need the money, and whether both sides already use the same service. For many domestic transfers, Zelle is the cheapest straightforward option.