Smartphones and the Internet are revolutionizing personal finance. Like credit cards, ATM machines, and online banking before them, clever new apps are making it much easier to buy things online and in stores, transfer money to friends and family, pay bills on time, and manage investments. There are many recommendations out there touting the latest apps and a lot of hype about new payment methods like Apple Pay, but we wanted to find out what apps people are actually using regularly. These apps are so widely used that they are the go-to services even for people who tend to be late adopters of technology.

The top 10 list

We analyzed cloud usage data for more than 13 million people across over 8,000 apps available today, looking not just at what apps people are downloading, but which they’re using regularly. We found a mix of apps that help people do different things. Some, like Paypal, have been available for years. Others have emerged more recently. Coinbase is a 2-year-old company that is 6th in terms of usage and aims to become the Paypal for an entirely new electronic currency called Bitcoin. For a full look at the apps and what they do, check out the Slideshare or the list below:

 

1. PaypalYou may know PayPal as the way you buy and sell stuff on eBay, but you can also use Paypal to transfer money to friends and pay for in-store purchases at retailers such as Home Depot and Toys “R” Us.

2. MintMint is an online budgeting and expense tracking tool that automatically pulls in data from banks and investment accounts, giving you a complete picture of spending, assets, and debt.

3. SquareWith Square, anyone can accept credit card payments using a free card reader that attaches to a smartphone or tablet. Square Cash allows you to send money to friends and family for free.

4. XoomXoom allows you to conveniently and securely transfer money to friends and family in other countries, and recipients do not need a bank account or internet connection to receive funds.

5. myFICOThere are a lot of questionable credit reporting sites, but myFICO is from the people who invented the credit score. You get scores from all 3 credit reporting agencies and are alerted to changes.

6. CoinbaseCoinbase offers a way to easily buy bitcoin, securely store bitcoin, and make purchases using bitcoin at 36,000 merchants including Dell, Expedia, Overstock.com, and Budweiser.

7. SplitwiseNever haggle with roommates or friends again about splitting expenses. Splitwise makes it easy to divide up and track IOUs with friendly email reminders to make sure people pay up.

8. Personal CapitalLike Mint, Personal Capital lets you graph and analyze your money and spending, but it goes much deeper into analyzing your portfolio and gives you access to online investment advisors.

9. BillGuardBillguard tracks spending across your accounts, automatically alerts you to suspicious charges, and lets you report the charge from within the app to get your money back.

10. CheckCheck is a mobile app that tracks your bills and gives you one central place to pay them, helping you avoid late fees and bank overdrafts while eliminating envelopes, stamps, and paper checks.

For a complete look at cloud statistics, including the top 20 cloud services overall and ways to protect your data in the cloud, download the full report below.

Cloud Adoption & Risk Report Q3 2014

Based on data from over 13 million users, the definitive resource on cloud usage trends and risks.

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