What Are the Best Alternatives to the Zelle App in Canada? Find Out Now!

Does anybody out there need money? Well, probably everyone, especially during these difficult times when the world is going through major economic problems. They say that money won’t bring you happiness, but if you seriously lack it, that will definitely bring you misery and suffering.

Money transfers through mobile apps don’t represent anything new, and the only issue is which service to use for such a task. Today, we’re here to speak about Zelle, meaning a safe, fast, and easy way to send money directly from one bank account to another in the US. All you need is a few minutes for a transaction to be finalized, and perhaps the best part is that there are no errands involved when it comes to sending or receiving money through the app.

But despite Zelle’s strong advantages, you may still not like it, as it’s impossible to please everyone in life, regardless of how much you try. That’s why you should definitely keep a few alternative apps in mind if you’re interested in sending or receiving money through a mobile app and if you live in Canada.

Scotiabank’s e-Transfer

Scotiabank is one of the major Canadian banks, and it stands out for providing its own e-Transfer service. Those willing to send money in a secure way can use their mobile app. If, on the other hand, you’re the kind of person who’s hesitant to install new software on your phone, you need to know that there’s also the option to opt for an online banking platform. Scotiabank’s e-Transfer is usually used by the bank’s clients due to the seamless integration with Scotiabank accounts.

Square Cash

Square Cash, which is commonly known simply as Cash App, is also pretty popular in Canada despite being more prevalent in the US. Users are able to send and receive money through this service very easily. Cash App is also very user-friendly, as those who decide to use the software won’t get caught in difficult situations too often, not knowing how to proceed. Cash App also has some interesting features beyond simple money transfers, and it’s also involved in cryptocurrency. That’s right, you can use the app to buy Bitcoin. You can even use it to invest in stocks.


PayPal is a globally recognized digital wallet and also a highly potent money transfer platform. The service is also widely used in Canada when it comes to online transactions. Users are free to connect their bank accounts or credit cards to send money to those they want, such as friends, family, or an annoying and persistent acquaintance. Of course, they can also make online purchases using PayPal.

PayPal also has its own dedicated mobile app that users can enjoy for convenient on-the-go transactions.


Revolut has also received a lot of love in recent years due to its outstanding services. We’re talking about a financial tech company that has a range of banking services to offer, and money transfers are also included. It’s not a traditional bank, that’s true, but users are free to create an account with Revolut and benefit from its features, such as international money transfers with competitive exchange rates. Those who make international transactions and like to travel are the most common users of Revolut.

Zelle even allows its users to send money to their friends or loved ones who live abroad, which is why millions of people enjoy using the app. They can send money fast and without headaches, but once again, knowing a few alternatives as an ace up your sleeve can always be a plus.

Finance News

A Scam on the Facebook Marketplace Causes a Woman to Lose £1,000s

Facebook Marketplace is usually that magical place where you can buy and sell a lot of items. You can even get to buy from toys to electronics at very low prices if luck is on your side. But unfortunately, it doesn’t always happen that way, and scammers seem to be everywhere across the internet nowadays.

According to The Herald, a woman fell victim to scammers from Facebook Marketplace, which cost her thousands of pounds. Lucy Fletcher is her name, a 46-year-old woman who works as a beauty therapist. After a few messages and phone calls exchanged, she transferred £3,600 for a ready-built shipping container office.

The product wasn’t delivered

Although Lucy sent the money and even received official-looking invoices on business-held paper, the product that was bought never reached her. Therefore, the woman lost £3,600, the money paid for the ready built shipping container office that didn’t reach her anymore.

Lucy even decided to burn her old office in order to make room for the one that she bought. Her bank will refund a part of the amount, though.

The woman who got scammed stated, as The Herald quotes:

I feel really vulnerable now – this guy now has my address, he’s had a lot of my money and I’ve lost out on work, so I’ve lost business as well.

It was just how professional the scammers were – I had no reason to doubt any of it at all.

The emotional stress has been unbelievable. It’s been an absolute mess.

If I’ve been scammed – and I think I’m quite switched onto it – if other people aren’t already then they need to be more aware basically.

In the end, we must all realize that being extra cautious online is a ‘must,’ regardless of the platform you choose for your shopping.


Google Temporary Hold: Everything You Need to Know

From time to time, Google chooses to block certain amounts of money from its users’ accounts for a limited time. While the situation can indeed be frustrating, it’s all part of Google’s strategy to overcome fraudulent schemes. It’s also known as a temporary hold.

Google temporary hold won’t cause users any more frustration as soon as the money transfer gets completed. If not, a notification will inform them about the situation, which means that you must remain patient if you’re among those who have run into such a situation. The Google temporary hold can last for up to 10 workdays.

Beware of the zero payment error!

You will need to update your account details on Google Play or the bank card data in case a zero payment error kicks in. Google might need to impose extra verification, or it may demand confirmation from the recipient in order to finish the transaction.

The money will even go back to the sender’s bank account in case a dispute takes place, and such situations will get resolved relatively fast.

How does Google Temporary Hold work

Let’s say you try to pay at a terminal through Google Pay, without success. Then, a notification informing you about a Google temporary hold notification is received on your smartphone. Even wrong bank account details could generate such a problem. In other words, you should always make sure that all of your data is entered in the correct way. Otherwise, errors will occur and cause a lot of frustration.

If you link your bank card to Google Pay and you try to make a transaction, the money might not be debited from your account. In such a case, it’s a good idea to seek help from the support service where you can explain your situation. Usually, those guys are very willing to help out their customers.

Google Pay is a payment method established over a decade ago, in 2011, and it allows users to pay online, in stores, or send money to someone else. You can use Google Pay from a smartphone, tablet, or smartwatch.

Finance News

Are Financial Markets Worth Investing In?

Financial markets can be a great place to invest your money. They offer the potential for high returns, but they also come with a certain amount of risk. Before you decide to invest in the financial markets, it’s important to understand how they work and what the risks are.

The financial markets are made up of different types of investments, including stocks, bonds, and commodities. When you invest in the financial markets, you’re buying a piece of a company or an asset, such as gold or oil. These investments can be bought and sold on different exchanges, such as the New York Stock Exchange or the London Stock Exchange.

The financial markets are always changing, which means that the value of your investments can go up or down. When the markets are doing well, you can make a lot of money. But when the markets are struggling, you could lose money.

The key to making money in the financial markets is to buy low and sell high. You need to have a good understanding of how the markets work before you try such investments.

Benefits of Investing in Financial Markets

There are a few key benefits of investing in the financial markets:

  • The potential for high returns. When you invest in the financial markets, you have the potential to make a lot of money. This is similar to playing games on bet365 bonus code no deposit in the UK. Of course, there’s also the potential to lose money, but the potential for high returns is one of the main reasons people choose to invest in the markets.
  • The ability to diversify your portfolio. When you invest in the financial markets, you can spread your money across different types of investments. This diversification can help reduce the risk of losing money if one particular investment declines in value.
  • The opportunity to invest in a variety of assets. The financial markets offer the opportunity to invest in a wide range of assets, including stocks, bonds, commodities, and more. This variety gives you the chance to find investments that fit your goals and risk tolerance.

Risks of Investing in Financial Markets

There are also some risks to consider before investing in the financial markets:

  • The potential for loss. As with any investment, there’s always the potential to lose money when you invest in the financial markets. This risk is magnified by the fact that the markets are constantly changing and can be difficult to predict.
  • The possibility of fraud. There have been cases of fraud in the financial markets, so it’s important to be aware of this risk before you invest. Make sure you research any investment before you commit your money.
  • The need for a long-term commitment. If you’re investing in the financial markets, you need to be prepared to keep your money invested for at least several years. This is because it can take time for investments to grow in value.

Which Is the Best Financial Market Investment?

There is no one-size-fits-all answer to this question. The best financial market investment for you will depend on your goals, risk tolerance, and other factors.

Some people prefer to invest in stocks because they offer the potential for high returns. However, stocks are also more volatile than other types of investments, which means they can lose value quickly.

Bonds tend to be less volatile than stocks, but they also offer lower returns. Commodities, such as gold and oil, can be more volatile than stocks or bonds, but they may offer higher returns.

When it comes to choosing the best financial market investment for you, it’s important to do your research and understand the risks involved. You should also consult with a financial advisor to get help making the right decision.

Investing in the financial markets can be a great way to make money, but it’s important to understand the risks involved. Be sure to do your research and consult with a financial advisor before making any investment decisions.

If you are not sure about how to go about the process of investing in financial markets, it does not hurt to take your time and learn. Talk to experts who know the ins and outs of the industry.

The bottom line is that there is no one “best” financial market investment. The best investment for you will depend on your individual circumstances and goals.


Certainly, financial markets are worth considering. However, just like any other investment opportunity, there are some risks involved. Over and above, it is important that you do your research, consult with a financial advisor, and understand the risks before making any investment decisions.

Do not think of money markets as some get-rich-quick scheme. It takes time and strategy to make the most out of it.

Finance News

How The Coronavirus Has Affected Emerging Markets

The novel coronavirus disease, discovered in the year 2019 and also known as COVID-19 for short, has certainly rocked the world. Numerous cities and nations are on total lockdown, worldwide. Millions of people are in their homes except for the essential workers, in a bid to curb the virus. However, there’s a limited amount of time countries can be on house arrest before the world starts to feel it. We’re not just feeling it socially; we’re feeling it in our economy too.

Globally, every part of our society has been affected by the pandemic. Practically every industry has been affected in some way. Emerging markets all over the globe are taking a severe hit. It’s been a downward spiral for a lot of business since the virus first appeared in China. Quickly spread to Europe and is now wreaking havoc in North America and the rest of the world as well. One of the industries you might least expect or not even consider how this global disruption affects is the cannabis industry. Yes, even weed is taking a hit in these times. So with no clear end to the pandemic insight, you should know more about how exactly the virus is affecting the emerging markets.

Without the coronavirus in our streets, many of us are used to working 9-5 jobs, five times a week. But with so many people being outrightly barred from leaving their homes and going to work, unemployment rates have skyrocketed. The rate of unemployment is not so staggering that it made history. So what happens when businesses can’t function and can’t pay their staff? Their expansion cripples, and their shares fall. Unfortunately, the cuts in interest rates that many countries are applying can’t seem to get the shares back up.

Transportation/Cab Services

To curtail the spread of the virus, travel bans have been imposed on several cities. Depending on the severity of cases in the country, it can range from not allowing flights from infected countries to a total lockdown of cities within states. A case study would be Wuhan in China and Lombardy in Italy. The increased regulations have made traveling as a whole rather stressful. Many flights have been delayed or canceled altogether.  Emerging industries such as cab-hailing services like Uber, Lyft, and others that have become quite popular in recent years have taken a hit. With everyone staying in their home, patronage is at its all-time low and even drivers are unable to work due to the lockdown.


If you’ve never heard of biohacking beforehand, it is probably because it is an industry that has become popular only recently. Also known as DIY biology, the practice that is aimed at boosting physical and mental performance with habits like IV hydration therapy, sleep tracking and so on has become the rave in recent times. But even the health sector has been affected by the corona scourge and biohacking is affected as well. With the stay at home order, biohacking backed businesses in this sector have seen a decline as well. Of course, given the nature of their operation, the new wellness field should bounce right back once the epidemic is curtailed.

CBD Businesses

Before the coronavirus reared its ugly head, the marijuana industry was just starting to thrive. While a lot of progress has been made in the advocacy for general acceptance, the market is still a young and barely thriving one. The prevalence of the disease only made it worse. Both recreational users and those that use of marijuana as tinctures, massage oil, edibles and a host of other medical uses are also affected. With supply cut off, and businesses shut down in compliance with isolation orders, those who are interested in purchasing marijuana legally are having a hard time getting access.

Unfortunately, with most new markets, a lot of the interest is reinvested in the capital. So with no additional profit, emerging industries in various places like the cannabis program in Oklahoma face a considerable challenge. To get this market back on its feet, governments may have to get involved and offer bailout for businesses in this market. Despite its proven positive uses, cannabis remains illegal in the federal arm, another possible hindrance to the possibility of receiving help.

How To Ride It Out

The coronavirus has disrupted a good chunk of our lives. But like every other disease in the history of humanity that has come and gone, so will this. So emerging markets and industries will need to find new and innovative ways to ride out the storm and come out with their businesses intact. There are a couple of measures that can be implemented to help ride out the wave of the pandemic. In summary, COVID-19 has affected a lot of newer industries quite negatively not to mention the number of existing industries that have been crippled as well. The economy of the entire world may be on its back right now. But if the right steps and measures are taken, both the emerging markets and conventional industries can all still make a comeback.

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