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USAA offers many easy, cost effective, and outstanding financial products and services to military members and their families. Their mobile banking app is one of the best in the industry. They were also the first US bank to offer mobile deposits through scanners and then iPhones and Android devices. These kinds of innovations make it easy to use USAA as an “online only” bank (although I have been to their San Antonio branch and done a few transactions in person, which was a bizarre experience, having never been in a physical bank in so many years).

I recently was able to use a new feature on their mobile app: “Pay Someone.” This is an awesome financial tool and it was astounding how easily it worked. Doesn’t it bother you that in the days of iPhones, wireless electricity, and Google Glasses, there is still no easy and free way to electronically send money to your friends to, say, split a bar tab or a restaurant bill? It really bugs me!

The “Pay Someone” feature is located under the Transfers/Deposits section of the USAA app. I’ll walk you through my experience on an Android device:

Start under the Transfers/Deposits section and select “Transfer Funds”







This should be your next screen. Select what account you’d like to send the money from (I used my checking).







When you click the “TO” field, you’ll be presented with this screen. On the right hand side find the  “Pay Someone” link. Click that.





Now you can type in the receipts name and email or phone number. If the email or phone number is registered and confirmed with Paypal, the transaction will go through as soon as you select an amount and hit transfer. When my friend and I tried it, the money was in his checking account within 30 seconds. And it was all free and easy!





If the person doesn’t have their phone number or email address linked into Paypal, they will receive an email or text message informing them that they have money waiting for them and can sign up for Paypal to receive the money.






So that’s it! I found the service extremely easy to use. And of course, it’s the best price: FREE! Another great service for military members and their families from USAA.

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How to Send Money Instantly Between USAA Members (Pay Someone Mobile App)

5 thoughts on “How to Send Money Instantly Between USAA Members (Pay Someone Mobile App)

  • October 7, 2012 at 17:47

    The easiest way to transfer from USAA to USAA is to use the Pay Someone app as described above. I used it the other day to instantly transfer $140 from my checking account to my friend’s checking account. We’re both USAA members.

  • November 26, 2013 at 15:48

    thank you so much for posting this! I could not figure out how to do it. The website does not go over the instructions to send the money.

    • November 27, 2013 at 09:38

      You’re welcome Stephanie! Glad I could help out.

  • February 28, 2014 at 13:12

    Dear Spenser,

    Thanks for the write-up of the USAA “Pay Someone” capability. I tried to follow your instructions and got as far as the “To:” entry, but at that point I was presented with a repeat of my accounts – with no way to enter the e-mail address or phone of the person I wanted to pay. I app still working? Is there an update? I’m using a phone with Android 2.6.

    Many thanks

  • April 5, 2014 at 12:54

    What if someone wants to send me a payment front a non-Usaa account? Do other banks have this connection with Paypal?


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