Let's get something straight right from the start: the easiest way to send bitcoin is not going to be the best way to send bitcoin. The convenience of sending an easy bitcoin transaction is going to mean that you are making some compromises. The bitcoin will still get where it's going, but just be aware of what those compromises are.
Everyone is a beginner at some point, and using bitcoin is a learning process, so don't let that scare you off of sending and receiving bitcoin transactions in any way you want. The bitcoin ecosystem is still heavy in development, and there will be many more tools that emerge over the next decade to making sending bitcoin easier.
Similar to the internet, the pace of innovation is in the bitcoin network is exponential. 20 years ago, you might remember how much of a pain in the ass it was to use dial up, and how often you'd get kicked off. I remember trying to download music and leaving the computer on for days (literally, no joke), just to get some songs downloaded so I could burn them onto a CD. Whew. It was a process.
Now, I have 24/7 internet access directly in my pocket. Many people are predicting something similar will happen with bitcoin, so it should get easier to use bitcoin over the next decade.
Like the internet, bitcoin is a permissionless protocol, where anyone can create products and services to make it more functional and easier to use. Like the internet, bitcoin is a network, where each newly added participant increases the value of the network.
That's the future. For now, let's look at what we have available and see what the easiest way to send bitcoin in our current year.
The Easiest Ways To Send Bitcoin (For Beginners)
Easy Level 1: Cash App
I think the easiest way for beginners to send bitcoin is through Cash App. If you want to simply get started, buy some bitcoin, and send it to someone for a payment, you can download Cash App and be transacting in a few minutes. It's quick. It's simple. It's a trusted brand.
The main downside to the Cash App is that you are trusting them with a lot of things, and that kind of defeats the main purpose of bitcoin.
Bitcoin is peer-to-peer digital money, meaning you are able to self custody your bitcoin, then send it directly to another person, without intervention by a third party. You don't need permission from your bank or from Paypal to send money to anyone with a bitcoin wallet. That was the innovation that made bitcoin so powerful.
When you use Cash App, you are handing over all your personal data, then trusting them to keep your bitcoin secure, and trusting them to send the right amount of bitcoin to the right person. You're also trusting them to verify any bitcoin you receive by giving up the option to run your own node.
In practice, for most people, this is totally fine. Most people don't care about the privacy issues, and most beginners don't trust themselves to use bitcoin properly yet. As a bitcoiner, I'd rather see someone use bitcoin through Cash App rather than not at all, but eventually want to move past this type of custody model. Nothing wrong with Cash App the company! After all, I'm ranking them as #1 easy way to buy, hold, and send bitcoin. I'm just trying to make you aware of the tradeoffs as we go down the list.
Cash App is great as a starter wallet because you can buy and sell directly in the wallet, plus you can hold a USD balance in your digital dollar wallet as well. Cash App also connects directly do your bank account, so you can buy bitcoin instantly.
Also, Cash App has both on-chain bitcoin as well as lightning bitcoin functionality. On-chain is directly interacting with the bitcoin network, and better for large amounts. Lightning bitcoin is a “second layer”, and much faster and cheaper to use. It's better for small amounts of bitcoin. You don't have to worry about this distinction as you use Cash App, but it's useful to have both options in one wallet. When you scan a QR code to pay, Cash App will automatically pay with the proper method.
Easy Level 2: Muun Wallet
Muun Wallet is a great next step to using bitcoin, and it's also very easy to send and receive bitcoin. The reason I consider Muun a “step up” in terms of using bitcoin is because with Muun, you are self-custodying your bitcoin. That means you have full control over your bitcoin balance, and you are not relying on a 3rd party company to hold your keys.
Of course, this comes with the added responsibility of properly backing up your keys and keeping your seed phrase safe, but like most things in bitcoin, with sovereignty comes responsibility.
Like Cash App, you have both lightning and on-chan bitcoin options. The setup is a bit different, but it's also a relatively seamless experience. You have a single (on chain) balance with Muun, and to send bitcoin, you just scan a bitcoin or lightning QR code. Muun will figure out what it is, and either ask you how much you want to send, or confirm the amount requested by the invoice.
The receive portion is marked “bitcoin” and “lightning”, which may be confusing if you aren't familiar with the differences, but the reality is all your funds are being held on-chain, and Muun is working the lightning stuff behind the scenes.
One downside to Muun Wallet as I see it is that you are giving up control of your lightning setup. This is probably ideal for non-technical users, but when complexity is obscured away for convenience, you are giving up some control. You will not be running your own lightning node, and you will not have the option to keep your funds on lightning. This means you may be paying more in fees, or payments may take longer than they would if you were only sending payments over lightning.
As an on-chain wallet, it's also missing some more advanced functionality like UTXO management, which can also affect the fees you pay.
However, these are all advanced things, and Muun still sits comfortably as an easy way to send bitcoin.
Easy Level 3: Blue Wallet
At last, we have Blue Wallet. For me, Blue Wallet is simply an awesome wallet for any Bitcoiner to use because it comes with so many features and options. There's something for everyone!
For a pure beginner, if you want to send bitcoin, you can create either a bitcoin or a lightning wallet, and have Blue Wallet handle everything on the back end. You'll still need to back up your seed phrase, but Blue Wallet will handle everything else for bitcoin and lighting. The user experience is different, with each wallet being segregated, and you can even move funds from your on-chain wallet to your lightning wallet (You cannot do the reverse).
Why is blue wallet next level for sending and receiving bitcoin?
First, you have the option of using your own node for on-chain bitcoin. With both Muun and Cash App wallets, you are trusting someone else's node to verify the validity of your transactions. You are trusting them when you receive bitcoin, and you are trusting them when you send bitcoin. With Blue Wallet, you can remove that layer of trust by verifying your own transactions using your own bitcoin node!
Second, you can use your own lightning node. This even further removes trust from the system, allowing you to manage your own lightning channels through your own lightning node. This is much more complicated to do, but there are many tutorials on this topic, and tools are improving all the time. If you're searching for the easiest way to send bitcoin, this certainly isn't it, but it's nice to know that with Blue Wallet you have the option to do so.
Another cool feature of Blue Wallet is that you can actually use it as a signing device in a multisig wallet quorum, meaning that if you need to send bitcoin as part of a multisig setup, you can use Blue Wallet too.
Sending Bitcoin From A Bitcoin Exchange
Another way to send bitcoin easily is to send it from an exchange to someone's wallet. This is pretty simple, and works directly from your browser or their exchange app. Like any other bitcoin wallet, you'd simply paste in a bitcoin address or scan a QR code, and send the money.
The downside here is that if you send bitcoin from an exchange, you may be required to do extra verification steps, depending on your security settings. If you enabled 2FA through an app or email, you'll have to click link sent to your email or enter your 2FA code. These extra steps make your account secure from hacking, but can also be cumbersome. If you choose to disable these settings to make sending bitcoin from the exchange easier, your funds on the account will be less secure as a result.
I would also consider who you are sending bitcoin to. Some exchanges are very sensitive when it comes to who they interact with, so if your friend is engaged is any kind of activity you think may get you in trouble, you may not want to associate your exchange account with their wallet. It's not uncommon for users to have their accounts suspended or even permanently closed due to what an exchange deems a violation of their terms of service.
Can You Send Bitcoin With A Desktop App?
You'll notice that I mentioned a lot of mobile apps for sending bitcoin here, so are there any desktop apps you can use? Yes, there are! However, from my own experience, when I interact with bitcoin using my desktop rather than mobile, it's usually because I am doing something that I wouldn't call “easy”, so I didn't list those methods here in this list.
For example, I like to use the Trezor hardware wallet to send bitcoin, but that requires having a $100-$250 piece of hardware, which takes 2-3 weeks to arrive to most places in the world. Using their desktop software, the Trezor Suite, is very easy and I'd recommend to friends and family who want to buy, hold, and send bitcoin on a regular basis. However, you need the hardware device to interact with the desktop software. If you are planning on using bitcoin regularly, then this would be a good option for self custody in cold storage and easy sending/receiving of bitcoin.
There are many other possible options to send bitcoin such as purchasing a Coldcard signing device and creating a bitcoin wallet using Specter or Sparrow, or creating a multisig wallet with Unchained Capital or Casa, but this is an even more advanced step in being able to custody, send, and receive bitcoin.
Sending Bitcoin As A Gift
Are you trying to send someone bitcoin as a gift?
There is one reputable company I'd recommend that's selling bitcoin gift cards, but they are in Canada in only a few selection locations. Some exchanges offer gift cards, but the ones I know of tend to emphasize trading shitcoins, so I can't recommend them. If you want to send someone bitcoin as a gift, you have basically three options.
1. Send them bitcoin directly. Buy some bitcoin yourself, then send some bitcoin to their wallet. You can buy bitcoin on an exchange or app, then send it to their bitcoin wallet directly. You just need then to send you a bitcoin address.
3. Send them bitcoin through Swan's bitcoin gift service, which basically sends them a redeem code for some bitcoin at Swan (bitcoin exchange). If they haven't used bitcoin before, it'll walk them through the process how bitcoin works and how to self custody. Great for beginners!