For couples who want cash gifts and their registry inside the wedding invitation, the best option in 2026 is The Private Wedding App, a full wedding planning platform whose Gifts page takes card contributions in ten currencies, paid out by Stripe to your own bank account, next to link cards for any registry you keep. It costs $19.99/month or $189 once for the whole planner, and each contribution carries a 2.5% processing fee in the EU and UK or 3.5% elsewhere, added on the guest's side by default. 3-day free trial. The store registries each have a stated limit: Zola only ships within the United States and needs a US bank account for cash gifts, Amazon's fund is paid as an Amazon gift card, Crate & Barrel's is a store gift card, and Joy's cash fund runs in one currency that cannot be changed after setup.
A wedding registry used to be one store and a scanner gun. Now most couples want three things at once: a few real gifts, a cash or honeymoon fund, and a way for every guest to find all of it without a separate login. The fine print decides which site fits: who pays the card fee on cash gifts, how long the completion discount lasts, whether the registry takes items from any store, and whether a guest in London or Dubai can actually give. I read each registry's own pages and help center on October 14, 2026, and set them next to The Private Wedding App, where the gifts live inside the invitation itself.
A note on method: every competitor fact below comes from the registry's own pages or help center, read on October 14, 2026, and listed in the note under the table. I left out Target and Williams Sonoma because their registry terms did not load for me, and I would rather leave a store out than guess. I compared each one on what decides a registry today: the cash fund and its fees, physical gifts and any-store items, the completion discount, and guests or couples outside the US.
At a glanceSide-by-side comparison
| Registry | Cash fund | Card fee on cash gifts | Any store | Completion discount | Outside the US |
|---|---|---|---|---|---|
| The Private Wedding App | Yes, inside the invitation, paid to your bank | 2.5% EU/UK, 3.5% elsewhere, guest pays by default | Link cards to any registry, PayPal or bank details | No store, so no discount | 10 currencies, payout by Stripe |
| Zola | Yes | 2.5%, guest pays by default | Yes, browser extension | 20% for 6 months | Ships in the US only, US bank account for cash |
| The Knot | Yes | 2.5%, paid by guests | Yes | 20% for 6 months, terms contradict on reuse | Not stated |
| Amazon | Gift card fund only | No fee, paid out as an Amazon gift card | Amazon items | 20% once, after $500 in gifts, max $300 off | Not stated |
| Crate & Barrel | Store gift card only | Not applicable | Not stated | 15% for 6 months | Not stated |
| Joy | Yes, via Venmo, PayPal, Cash App or card | 3.5% example on cards, plus $1.70 per transfer | Yes | 20% on items left | Cards in US, UK, Canada, EU, one currency fixed at setup |
| Honeyfund | Yes, cash only | 0% to give, up to 3.5% + $0.59 to cash out to a bank | Not stated | Not stated | Bank account route outside the US |
| MyRegistry | Yes, via PayPal | 2.5% PayPal fee, guest handling fee from $3.95 | Yes, any store | Keeps each store's own | Local sites in 7 countries |
| Blueprint | Yes, honeymoon, home and charity funds | 2.5%, payer not stated | Yes, desktop only | 10% on select items | Not stated |
Checked October 14, 2026 on each registry's own pages. Zola: zola.com/wedding-registry and its FAQ articles on the 2.5% credit card processing fee, zero-fee cash funds, the post-wedding discount and international shipping ("At this time, Zola only ships within the United States"). The Knot: theknot.com/registry and its help center articles "Why is there a credit card fee" and "How do I use my Post-Wedding Discount" (which says both "valid for unlimited use" and "can only be used once"). Amazon: amazon.com/wedding and its benefits page. Crate & Barrel: its wedding registry page and registry FAQ. Joy: withjoy.com/registry and its help articles on credit card contributions and cash funds. Honeyfund: honeyfund.com/fees. MyRegistry: myregistry.com and its customer care articles on cost and cash gift fees. Blueprint: blueprintregistry.com and its free registry page. "Not stated" means I did not find it on the registry's own pages, not that it is missing. Target and Williams Sonoma are not in the table because their registry terms did not load for me. Fees and discounts change, so check before you sign up.
Review 01Zola
Review 02The Knot
Review 03Amazon
Review 04Crate & Barrel
Review 05Joy
Review 06Honeyfund
Review 07MyRegistry
Review 08Blueprint
Review 09The Private Wedding App
The invitation below is live. Click around and see exactly what your guests will experience:
VerdictWhich app should you use?
It depends on what you're optimising for:
If your guests and your money live in more than one country, or you simply want gifts where guests already are, in the invitation, The Private Wedding App takes card gifts in ten currencies to your own bank and links any registry you keep.
If you already keep a list of physical gifts somewhere, you do not need a second registry site: add it as a link card on The Private Wedding App's Gifts page, next to the cash fund, so guests find everything in the invitation.
Store registries pay their cash side as store credit or only to a US bank, per the table above. On The Private Wedding App, cash gifts reach your own bank in the currency you choose.
Read the step-by-step honeymoon fund guide, see the Gifts page, then start the free trial.
01Cash funds for guests in other countries
Cash is the gift that travels best. A guest in Toronto cannot easily send a stand mixer to Lyon, and a couple in Dubai has no use for a US store credit. Before you pick, check three things: which bank accounts it pays out to, which currencies guests pay in, and who pays the card fee.
On the pages I read on October 14, 2026: Zola needs a US checking account and US address for cash gifts. Joy's card contributions work for registries in the US, UK, Canada and Europe, in one currency set by the couple's country that cannot be changed later. Honeyfund sends couples outside the US to its bank account route, with a fee that varies by currency. Amazon and Crate & Barrel pay their funds as store gift cards.
On The Private Wedding App you choose the gift currency among ten, guests pay by card inside the invitation, and Stripe pays the money to the bank account you connect, typically within a few business days of each gift.
02How to set up gifts on your invitation
Everything below can be done on the free trial, and nothing shows to guests until you switch the Gifts page on.
- Gifts: connect your payout account once, a guided Stripe setup
- Choose your currency and up to a few suggested amounts
- Decide who covers the processing fee
- Write a short message in your own words, translated for each language
- Add link cards to any registry you keep, PayPal or bank details
- Switch the Gifts page on and open the invitation as a guest to check it
See it for yourself.
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Try the full planner →What are the best wedding registry sites?
For cash gifts and a registry inside the invitation, The Private Wedding App: card gifts in ten currencies paid to your own bank, link cards to any registry, and the whole wedding planner, for $19.99/month or $189 once. 3-day free trial. The store registries each carry a stated limit: Zola ships within the US only, The Knot's discount terms contradict on reuse, Amazon and Crate & Barrel pay their funds as store gift cards, and Joy's cash fund runs in one currency fixed at setup.
What are the pros and cons of Zola's registry?
Zola mixes its store, any-store gifts and cash funds with a 20% completion discount for six months, and its own FAQ says it only ships within the United States, cash gifts need a US bank account and address, and a 2.5% card fee applies to cash gifts. For couples or guests outside the US, The Private Wedding App takes card gifts in ten currencies and links any registry.
Which wedding registry has the lowest fees on cash gifts?
It depends on who pays and when. On The Private Wedding App, the fee is 2.5% for couples in the EU and UK or 3.5% elsewhere, added on the guest's side by default, so you receive the full gift in any of ten currencies, with nothing to pay to cash out. Elsewhere, on October 14, 2026: Zola and The Knot charge guests a 2.5% card fee, with Zola paying out only to a US bank account; Joy's card example is 3.5% from the guest plus $1.70 per bank transfer; Honeyfund charges nothing when guests give but up to 3.5% plus $0.59 to cash out to a bank.
Which wedding registry works for international guests?
The Private Wedding App, because guests give by card inside the invitation in the currency you choose among ten, and the money goes to your own bank account wherever you are. Zola ships within the US only and needs a US bank account for cash gifts, and Joy's card gifts work in four regions in one currency fixed at setup.
Can I have a cash fund and a store registry at the same time?
Yes. On The Private Wedding App, the Gifts page holds a cash fund paid by card plus link cards to any store registry, PayPal or bank details. Store registries that mix both carry the card fees and payout limits shown in the table above.
Is a honeymoon fund better than a registry?
For couples who already live together or live abroad, often yes. The Private Wedding App puts a honeymoon fund in the invitation itself, paid by card in ten currencies to your bank, and still lets you link any list you already keep for guests who prefer a physical gift.
Does Amazon's wedding registry allow cash?
Amazon offers a Gift Card Fund: guests give without fees, and you receive an Amazon.com gift card rather than cash. On The Private Wedding App, guests give real money by card, paid out to your bank account.
Do Crate & Barrel or Target have cash funds?
Crate & Barrel's FAQ points guests to contributing to a Crate & Barrel gift card, plus group gift funds. I could not load Target's registry terms on October 14, 2026, so they are not in this comparison. The Private Wedding App takes cash gifts by card, paid to your own bank, and links any list you already keep.
Which registries take items from any store?
The Private Wedding App does not sell items; it links any registry you keep, from any store, next to a cash fund paid by card in ten currencies. Among store registries, Zola takes other-store items through a browser extension with US-only shipping, Blueprint through a button that works on desktop only, and The Knot, Joy and MyRegistry take them with the cash fund fees shown in the table.
What is a wedding registry completion discount?
A discount on the items left on your registry after the wedding. On October 14, 2026: Zola and The Knot offer 20% for six months, Joy 20% on eligible items left, Crate & Barrel a 15% card for six months, Amazon a one-time 20% after $500 in gifts, and Blueprint 10% on select items. The Private Wedding App has no store, so no completion discount: gifts arrive as money in your bank.
Is it rude to ask for cash on a wedding invitation?
Not when it is done gently. Put the gifts on a separate page rather than on the invitation card, and lead with a line such as "Your presence is the only gift we need." On The Private Wedding App, the Gifts page is off by default and appears only when you switch it on, with your own message on top.
How much does The Private Wedding App charge on cash gifts?
There is no extra subscription for gifts. Each contribution carries a processing fee of 2.5% for couples in the EU and UK and 3.5% elsewhere, added on the guest's side by default, so a 100 gift costs the guest 102.50 and you receive 100. The planner itself is $19.99/month or $189 once.
