Maybe from a UI standpoint, but all of the competitors are pretty similar. Minus network effect, of course. Nobody in my network uses Venmo, for example, but apparently I'm an outlier.

With all of them, you can find a way to use it for free. Eg, if the service you use doesn't support free bank transfers, you link it with a debit card for free transfers.

https://www.digitaltrends.com/mobile/paypal-vs-google-wallet...