Like a text or email filled with cash! Instant, free and global — travel between $, £ and €. Collect for the keg without losing your buzz, give your friend dough for the pizza, beg mom for rent money in emoji.

* Set up’s a snap. Literally. (Just take a pic of your debit card.)

* No limits on how much you send, receive or cash out

* Support from real, live human beings

* PIN and FDIC-insured

* Emojis, GIFs and photos