---
title: What is Moov Money?
source_url: https://moov.money/help/about-moov-money/what-is-moov-money/
last_updated: 2026-09-05
---

# What is Moov Money?

Moov Money is a simple, secure way to send money to another person. Instead of asking for someone's bank details, the sender starts a payment and shares a secure link. The recipient opens the link, verifies their phone number, and receives the money to a debit or reloadable prepaid card, Apple Pay, or Google Pay, usually within minutes.

Many people use Moov Money through their bank or another financial institution, which powers the "send money to friends" experience behind the scenes.

## What you can do with Moov Money

- **Send money** to someone using a secure link.
- **Receive money** by opening a link and choosing where the funds should go.
- **Cancel a payment** before the recipient claims it.

## What Moov Money is not

- It is **not a stored-balance wallet.** Money is delivered straight to your debit card or mobile wallet — there's no Moov Money balance to hold funds.
- It does **not link to your bank account** with an account and routing number. Recipients receive money using a debit card, Apple Pay, or Google Pay.
- It is **not a way to pay businesses or accept card payments.** Moov Money is for sending money between people.

## Good to know

- There are **no fees** to send or receive money with Moov Money.
- You'll need to **verify your phone number** the first time you receive money.
- To receive money, you'll need a US-issued Visa or Mastercard debit card or reloadable prepaid card.