Unlike Venmo, Swish lets you transfer money instantly between bank accounts. There are no social features like profile pictures, emojis, or public transactions.

Unlike Venmo, Swish lets you transfer money instantly between bank accounts. There are no social features like profile pictures, emojis, or public transactions. And it uses proper authentication, rather than typing your banking password into a third-party app. Venmo falls well short of the transfer apps in most countries.