Zeller is an excellent free service for initiating money transfers. It supports many banking applications. User creation in the app is quite easy and convenient. All it needs is the phone number and/or email of the destination. The amount to be sent can easily be chosen and the application has a nice interface. The security of the application seems to be quite good so far. There is no fee to send or receive money which is amazing. The receiver gets the notification as soon as the money is received. The money could be deposited instantaneously upon arrival.