How To Use Facebook To Send Money

One woman, beautiful young lady riding in train, using mobile phone.
South_agency / Getty Images

Most people are familiar with Facebook Messenger and use it to chat with friends and family. But did you know you can also use it to send money to family and friends for free? Money transfer is one of the Facebook Messenger’s lesser-known but highly useful features.

Read on to learn how to send money on Facebook, including what types of payments are accepted, how long transfers take to complete and more. 

Who Can Use Facebook To Send Money?

You can only send money through Facebook using the Messenger app on a mobile device. You won’t be able to transfer money on a desktop computer or using There are additional requirements as well. To send money through Facebook, you must:

  • Live in the United States 
  • Be at least 18 years old
  • Have an active Facebook account
  • Have your preferred currency set to U.S. dollars.

Facebook only allows payments through Messenger for personal use. If you use Facebook Messenger to make or receive payments for a personal business, Facebook could bar you from using the payment feature in the future. 

How To Send Money Using Facebook Messenger

Sending money through Facebook Messenger is pretty straightforward, and it’s always free. The first thing you’ll need to do is add an accepted payment method to your account. Accepted payment methods include:

  • PayPal accounts
  • Visa or Mastercard debit cards
  • Many reloadable prepaid cards
  • Government-issued bank cards 

Facebook doesn’t support payments made by credit card, debit cards other than Visa or Mastercard, or preloaded health care flexible spending cards.

To add a payment method to your account:

  1. Open the Facebook Messenger app. 
  2. Depending on your device, you can either tap your profile picture on the top left, then scroll down and tap “Facebook Pay,” or tap the hamburger icon–the three horizontal lines–on the top left, tap the settings icon, then scroll down and tap “Payments.”
  3. Tap “Add new debit card or PayPal” and enter your payment info.
  4. Select “Save.”
A Better Way to Bank

Once you’ve set up your payment method, you’re ready to start sending money. In the Messenger app, start a chat with the person you’d like to send money to. Tap the blue plus sign (+) at the bottom of the screen, then tap the dollar sign ($). Enter the amount you want to send, tap “Pay,” then confirm the amount, and you’re done.

How Much Money Can You Send Through Facebook?

There are limits per transaction and every 30 days on Facebook Messenger. The limits vary based on your payment method, with PayPal having the lowest limits and debit cards having higher maximum allowances.

Payment Method Per-Transaction Limit 30-Day Limit
PayPal $3,000 $3,000
MasterCard Debit $5,000 $10,000
Visa Debit $10,000 $10,000

How Long Does It Take for Facebook to Process Payments?

Facebook processes payments immediately. However, it could take three to five days for your bank or PayPal to post the money to the recipient’s account. If the recipient hasn’t received the money after five business days, they should contact either the bank that issued their debit card or PayPal’s support team, depending on the payment method they’re using to receive payment through Facebook.  

If the recipient can’t resolve the issue with the payment provider, they can call 1-888-851-6382 to speak to an agent or log into their Facebook account and contact the Facebook support team. 

If you need to send money right away and can’t wait three to five days, there are a few alternatives you can look into. Zelle and Cash App are similar money transfer services that usually post transferred money immediately.

A Better Way to Bank

Is It Safe To Send Money Through Facebook Messenger?

You may be wondering if it’s safe to send money through Facebook Messenger, especially given the trouble that Facebook has gotten into in the past regarding user privacy. Facebook has security features in place to ensure your payments and personal data are safe when you send money through Facebook Messenger. These security features include:

  • Anti-fraud technology that monitors for unauthorized activity
  • Notifications that alert you to unusual payment activity
  • Secure storage and encryption of payment information, with payment info stored separately from profile data.

To increase security, you can set up a PIN for Facebook Pay and turn on two-factor authorization. Also, be sure to keep your login information safe, only send payments to people you know, and log out of your Facebook account when using a public computer. 

Money Scams

It’s important to beware of scams when using any online money transfer service. Some common money scams to be aware of are:

  • Donation scams: Scammers create accounts impersonating charities or religious figures and request donations. 
  • Romance scams: Scammers pretend to be someone they’re not, creating fake accounts and then sending romantic messages. Once they’ve gained your trust, they ask for money. 
  • Money flipping: A scammer requests money from you, promising to pay you back a higher amount.
  • Pet sale scams: Someone pretends to have an upcoming litter of cats or dogs. They promise you one if you send money as a deposit, but the pets don’t exist, and the scammer takes your money and disappears.
A Better Way to Bank

Final Take

If you live in the U.S. and are at least 18 years old, you can use Facebook Messenger to send money to family and friends for free. To send and receive money, you’ll need to use a Visa or MasterCard debit card, PayPal, or an approved preloaded debit card. Payments transfer immediately but often take three to five days to become available. Additionally, Facebook has security features in place to keep you and your money safe and it never stores your payment info with your personal account data. 

Ultimately, sending money through Facebook Messenger is a convenient, free way to make personal payments. Since the Messenger app is widely used, it might come in handy.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.


Discover the Best Banks of 2024: Unveiling Our Top Picks!

We've compiled a list of the top banks for this year!



Here Are the Pros and Cons of Using Multiple Banks

Shot of a woman using a laptop while going through paperwork at home.

Many banks are one-stop-shop financial institutions...


See Today's Best
Banking Offers