We’ve all been there, that awkward moment when you owe someone money but you have no cash! According to Aljazeera America nearly 1 in 10 Americans only carry cards — less then $20 dollars in cash daily. Luckily,  there are some apps to help you solve your problem.

1. DirectPay from your bank app

If you already have a bank app like WellsFargo or Chase this may be the easiest way to transfer cash to that person you owe. All you will need is the account holder’s email and phone number. It’s safe and the other person receiving the cash doesn’t see any of your info. Oh, and it’s free.

2. Venmo

Service fees? Credit card payments 2.9% fee, Free for Debit Card Payments and Bank account transfers

Venmo, who’s owned by PayPal, may be the most social way to send money on an app. You can sign up with Email or Facebook. You can keep up with friends in a newsfeed and who’s paying up. It’s as simple as typing in a friend’s name, phone or email, saying what you’re paying for and the amount.

You can also send requests to people so they don’t forget to pay up.

3. Square Cash

Service fees — none

In a world obsessed with hashtags Square has figured out away to be a little creative with Cash. Cashtag — the only thing you need to send to your friends so they can pay you with Square Cash. It’s quick, easy and you can keep track of what you receive and send.

4. SnapCash

For as much as people use SnapChat most people forget it’s one of the easiest ways to send cash to a friend. Once you link your debit card it’s as simple as sending a snap.

1. Type $ and the amount you want to send and that’s it.
2. If you want to make it rain just type in 3 $$$ and see the Swipe-to-send option. This is the way you want to do it, believe me.

You can get back to your new SnapChat filters once you’re done.

5. PayPal

PayPal may be the most obvious but it’s king when dealing with money on the internet and apps. Free to send from a PayPal account to another.

Another great thing about PayPal is there is always deals with online retailers!