Venmo, Here's what it looks like when you record a payment in Venmo I signed up for the money-sending service Venmo about a year ago and it has since become the one app that I can't imagine living without. In case you're not familiar with it, Venmo's premise is simple: You connect it to your checking account and it enables you to send and receive payments in only a matter of taps and swipes. Emoji are optional, but encouraged.  It's the perfect solution for splitting costs among groups, especially for people who hate carrying cash. The app has even grown so popular that it has achieved the coveted verb status of services like Google. "I've got this," someone will say to their friends, forking over their card to the waiter, "You can just Venmo me." 

http://uk.businessinsider.com/why-venmo-is-the-most-imporant-app-2015-1