Many payments apps allow you to send payments instantly. Zelle, Venmo, and PayPal payments typically appear instantly in a recipient's account. When sending money through Google Pay funded by a Google Pay balance or a debit card, payment transfers happen quickly -- but may take up to 24 hours. Other forms of payment can take longer. If you plan to cash out your payments app balance, be aware that instant transfers may come with a fee. For example, PayPal and Cash App both charge fees for depositing money in your account balance to your bank account instantly.