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There are other apps that work with other banking services in other countries, but I was unable to test with foreign banks.

You can then scan your credit or debit card with your camera to link them to your account.

Of course, to make all this work, your friends need to not only have the app, but link it with their bank account or debit card. If your friend wants that money for the cab ride home, they’ll have to transfer it to a bank account.

And, of course, the experience has to be easier than just finding the nearest ATM and making change. They link to your bank account, debit card, or credit card. That’s where things take longer since your transaction has to move through the bowels of the American banking system — and that’s if you’re using your bank account and debit card.

Sending and requesting money is fast, too, but linking cards and bank accounts is a chore.

Fortunately, you only have to do that once, and you’ve probably got something set up there already.

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