Abstract: In some embodiments, a mobile cash change processing system for processing cash change to be returned to a user in return for cash payment transaction executed at a retailer location includes a server remotely operable to execute electronic monetary transactions between digitally stored accounts and having stored in association therewith: user account data associated with each of a plurality of registered user accounts; retailer account data associated with each of a plurality of registered retailer accounts; and sharing account data associated with each of a plurality of registered sharing accounts. The system further includes a digital mobile application operable on the user's mobile device to: invoke communication of a cash change return identifier to said server, receive identification of a sharing account associated with the retailer location; display a selectable sharing option to the user; and communicate user selection to said transaction server to invoke an electronic transfer of funds.