It’s the 21st century, and there are so many digital solutions to weed through when it comes to day-to-day money management. Mobile pay is where things are going, and the ease with which we can handle business is awesome, albeit a bit overwhelming. But don’t worry about digging through and trying out the masses, there’s one app that can deliver all the money-managing basics the average person needs to get by: Square Cash.

You don’t have to be a financial advisor or a tech genius to work through all the features — it’s super user friendly. Just download it, sign in, connect your bank accounts and cards and instantly rest easy next time you’re going out with friends or placing an online order. The bells and whistles are stripped from this app, which is refreshing in a world where everyone is trying to outdo each other with flashy features. Let’s be honest — when you’re looking to pay a bill or receive money from a friend, you don’t need all that. You need barebones reliability.

You can add friends, request money and view your activity, but the heart of this app is about actually using it. It’s compatible with Siri and even your Apple Watch. No matter where you are or what you’re doing, you can always count on accessing your accounts and cards with the click of a button. And after the latest iOs update, you can easily send over money to your friend who picked up your bar tab directly in the messaging app in between your texts about brunch plans tomorrow.

And if you’re worried about safety, take solace in the fact that it’s protected by 128-bit encryption and even your passcode (or Touch ID). So your money is in good hands (and always available in YOUR hands).

If your friends refuse to download the app or have no more storage on their phones, that’s no excuse to keep them from sending you their part of the check. They can use your “$Cashtag” by going to Cash.me/ [your$Cashtagname]. It’s simple and useful — like everything else in the app.

But outside of the basics for money management, Square is launching awesome new features that will affect other parts of your financial life — For example Square Payroll, where independent businesses can pay their employees via direct deposit.

But one of the biggest game-changers by far is the virtual Visa debit card, which allows you to use your specific “card” number to pay for anything wherever Visa is accepted. So if you’re up late online shopping for new sneakers, just pull up your virtual card on your phone and throw 'em in the bag. This feature sets the Square Cash app apart from other apps like it and shows how it’s continually pushing the way we use and manage our money into the future in a seamless way.

So quit forgetting to pay your best friend back, stressing over how much cash to carry or using complex apps with too many extra frills. If you’re looking for an easy way to manage your money and stay on top of things, the Square Cash app is all you need.

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