Venmo FAQs

Do payments sent to me automatically show up in my bank account?

Nope - whenever you receive a payment from one of your friends, the money is put in your Venmo account. You need to initiate a bank transfer for the funds to be sent to your bank account. You can do that by tapping the "" icon at the top of the app and then "Transfer to Bank" or “Transfer Money” (Alternately: Tap “Manage Balance” and then “Transfer to Bank”). Then, choose "Instant" (1\% fee, minimum of $0.25 and maximum of $10.00) or "1-3 biz days" (no fee). Please note that transfers are reviewed which could cause a delay or for funds to be frozen or removed from your Venmo account.

Find out more about the money in your Venmo account here.

What is the limit on bank transfers?

If you’ve verified your identity with us, your weekly rolling limit for bank transfers is $19,999 ($2,999.99 per transfer). Your limit will be set at $999.99 if you haven’t verified your identity. To learn more about limits, or how to verify your identity, please see this article. As noted in Venmo’s User Agreement, these limits may change from time to time in Venmo’s sole discretion.

Can you rush my bank transfer?

If you’d like to move the money from your Venmo account into your bank account more quickly, you might consider an instant transfer. Instant transfer is a feature that allows Venmo users to transfer the money in their Venmo account to certain bank accounts or eligible Visa and Mastercard debit cards, typically within 30 minutes. A 1\% fee (with a minimum fee of $0.25 and a maximum fee of $10) is deducted from the transfer amount for each transfer.

If you’ve already initiated a standard bank transfer, there’s not a way for us to expedite that process. Once you request a transfer, the money leaves our system, and the money is sent to your bank to process. For more info about when you can expect to receive those funds, please see this article.

Where is my bank transfer?

Missing your transfer in your bank account? It’s possible your bank could have back-dated the transfer to an unexpected date. We recommend checking your bank statement within a range of two days around the expected date that you were shown when you initiated the transfer. You should see something along the lines of “VENMO-0 CASHOUT”. If you’re still not seeing the funds in your bank account, check out this article for more information and ways to contact us about it.

What is the difference between instant transfer and standard bank transfer?

There are two ways to get your money out of your Venmo account:

Instant transfer to your eligible bank account or debit card. This type of transfer incursa 1\% fee (a minimum fee of $0.25 and a maximum fee of $10 is deducted from the transfer amount for each transfer) and typically arrives within 30 minutes. Please see more information here.

Standard transfer through the ACH network to your verified checking account (which is free but typically arrives 1-3 business days after you request the transfer.)

Please note, transfers are reviewed which may result in delays or funds being frozen or removed from your Venmo account. Learn more here.

What funding source is used to pay for purchases at participating businesses?

When you make a purchase from an authorized merchant using your Venmo account and there aren’t enough funds in your balance (or if you don't have access to a Venmo balance ), the entire amount of the purchase will be pulled from the backup payment method that you’ve set.

Can I use different payment methods when I’m purchasing in merchant apps and websites, and when I’m sending money to friends from the Venmo app or on Venmo.com ?

Yes, you can set different default payment methods for purchases and payments to friends. You’ll be prompted to set up these payment methods when you make a purchase for the first time.

How do I change my payment method for purchases?

To change your payment method for purchases, navigate to "Settings" in the app. Under the "Buying" heading, tap "Backup Payment." There, you can choose your preferred default or add a new bank account or card.

Why was my purchase declined?

You may not have had enough funds in your account, or we were worried that it was fraudulent activity. Please contact Venmo Support for more information.

I’m not satisfied with my purchase. Who do I contact?

If you’re not satisfied with a purchase you made with Venmo through an authorized partner’s app, please contact the merchant partner first. They should be able to assist further.

If you are not able to come to a solution with the business, please feel free to reach out to Venmo’s support team at [email protected]. While we don’t guarantee a refund, we’ll work with you to help you come to a solution.

You can read more about Venmo's Authorized Merchant Payment Protection policy here.

How long does a refund take?

The timing for a refund depends on the policy of the business you purchased it from.

Do you honor partial refund requests?

Generally, partial refunds are not supported by Venmo, and these types of requests should be completed with the merchant you purchased goods or services from.

Will refunds be credited to my bank account, card, or Venmo account?

In most instances, refunds will be credited to the same payment method that you used for the original purchase. Sometimes, for various reasons, your refund will be credited to your Venmo account.To check what payment method you used for the original purchase, navigate to the “Purchases” section in the Venmo app, and tap on the individual purchase.

If you received an email that a recent transaction you made from a bank account has failed, you’ll want to login from a computer and head to venmo.com/recover to resolve the issue. Your account will also be temporarily frozen until the funds are paid back.

Bank payments can fail for a number of reasons. While Venmo doesn’t have visibility into the specific reason your transaction failed, your bank should be able to tell you exactly why. Some common reasons for failure are: exceeding the number of ACH transfers permitted on your account, or insufficient funds at the time of the transaction.

The fastest way to get your account reinstated is to use a credit or debit card to pay back the amount. (Any fees from Venmo on negative balance payments using credit cards will be waived.)Paying with your bank is also an option, but keep in mind these payments can take a few days to process. In any case, once Venmo receives the funds, your account will be reinstated.

Please note that if you decide to pay back the amount you owe with a bank account, we’ll show you an estimated date of arrival. The funds will take 3 to 5 business days to post in your Venmo account, so thanks in advance for your patience!

Any payments you receive on your Venmo account will automatically be applied to the amount you owe to Venmo, thereby reducing the amount you owe.

Chargebacks

Chargebacks claimed against Venmo payments usually happen because the cardholder doesn’t recognize the charge, and the amount is refunded.

If there was a chargeback claimed against a payment you made in Venmo from a debit or credit card, you’ll need to visit venmo.com/addfunds to recover the amount. Your account will also be temporarily frozen/suspended until the funds are paid back. If the payment in question was not authorized, please feel free to contact us and we can look into the matter further for you.

Please note: You’ll only be able to use a bank account in this instance. Once the funds have posted in your account, please reach out to us directly and we’ll be glad to lift the frozen status from your account.

What is an authorization?

When you make a purchase using your Venmo account, the merchant will authorize your account for the amount of your purchase. This is called a merchant authorization, and it allows the merchant to ensure that your Venmo account is open and working. Think of it like a pending charge on a credit card statement - you might notice an amount deducted from your available balance when an authorization is made, but it isn’t fully posted to your statement yet.

What is a merchant capture?

Funds will not be transferred to the merchant until they finalize the transaction and capture the final amount. A merchant capture is the equivalent of finalizing a pending charge on a credit card statement - it causes funds to move from you to the merchant. Once a merchant captures an authorization, you’ll see the purchase finalized in your transaction history in the Purchases tab in your app for the final amount.

Why was the final amount (capture) different than the initial authorization?

There may be a difference between the amount that you see when you initially make a purchase (authorization) and the final capture amount. Think about it this way - when you go out for dinner and receive the check - the restaurant will charge your card (authorization) for an amount that’s higher than your bill total to account for a tip, which will impact your available balance while the authorization is pending. Once you’ve signed and added a tip, the restaurant will capture the final amount a couple of days later and you’ll see that finalized amount reflected on your statement. This final amount may be different from the original authorization amount.

Why is my balance less than expected before the payment is finalized?

If you have access to a Venmo balance, here's what you can expect:

Right after you make a purchase (authorization), all or part of your Venmo balance will be held until the purchase is finalized (captured) by the merchant. If your Venmo balance exceeds the amount of your purchase, your balance will be reduced by the authorized amount to account for this hold. This is to ensure that there are enough funds to cover the purchase once it is finalized. However, if your purchase is for more than what is available in your balance, your entire balance will be held while waiting for the purchase to be captured. This means that your balance may display as $0 until the final purchase amount is captured. Any held balance amounts that exceed the final purchase amount will be made available within 30 days of completion of the transaction.

In order to use Venmo to the fullest, it’s best to verify your phone number and email address as soon as you sign up. Without a verified phone number, you won’t be able to transfer funds to your bank account or send/request payments.

If you’re having trouble verifying your phone number at any point in time, please reach out to your phone carrier (ATT, Verizon, Sprint, etc.) to ensure that you have messaging from short codes enabled.

Verifying your phone number

As soon as you sign up, you’ll see a screen letting you know that a verification code was sent to your phone via text message. This text/SMS will come from a five digit short code (86753), meaning the number will be shorter than a usual telephone number. There are some features (bank transfers and sending payments) that will not be available until your phone number is verified, so be sure to enter this code when prompted in the Venmo app/website to verify your phone number.

If you’re already signed up and your phone number hasn’t been verified yet, there are a couple of ways to get that done

1. If you’re on an iPhone (iOS) you can head to your Settings > Change Phone Number and enter your phone number again. The code will be resent to your phone number.

2. If you're on an Android phone or your phone is unable to receive text messages from short codes, please try logging into Venmo from a different computer with your email address and password. Successfully logging in on a computer using an SMS code will also verify your phone number automatically.

Please be sure to click “Resend Code” if your phone is unable to receive messages from short codes.

You can check out this article if you're not receiving the code to sign in. Still having trouble? Contact us directly and we’d be happy to help out.

Verifying your email address

After you sign up, we’ll send you an email with the subject “Please verify your email address on Venmo” to the email address that you entered. Just click the link in the email to verify ownership of your email address and you’re all set.

Please note that replying directly to this email will not verify your email address.

If you didn’t verify your email address when you signed up, you can head to this link from a computer. Enter your email address and click “Verify”. An email should be sent to you with the link mentioned above.

Always remember to check your spam or junk folder if you’re not seeing the email!

Note: payments sent directly to your email address or phone number will not reach your Venmo account until you’ve verified them.

What is the Venmo card?

The Venmo card is a debit card that operates on the Mastercard network. It is linked to your Venmo account and allows you to spend your Venmo balance funds everywhere Mastercard is accepted in the U.S. For more information about using your Venmo balance, click here.

How can I get the card?

In the Venmo App, tap the "" icon and then Venmo Card to start your application. If you don’t see the Venmo Card section, you will need to upgrade to the latest version of the Venmo app.

Does it cost money to apply for the Venmo card?

No! There is no fee to apply for a Venmo card. However other fees may apply for use of the card.

If you are interested in learning more about any fees associated with Venmo or the Venmo card specifically please click here.

Apply for the card in the Venmo app under "" Venmo Card.

Can I order more than 1 card?

The Venmo card links to your Venmo Account. You can only have 1 active card associated with your Venmo Account.

I am only seeing “Get in Line” what should I do?

We're glad you're excited - we are too! The Venmo card is currently available to most of our users and we are actively working on making it available to everyone. Hold tight! We'll notify you when it's your turn to apply.In the meantime, make sure to verify your phone number, if you haven't already.

Why do I have to provide my personal information (including SSN)?

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account.

What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

When you are applying for the card make sure to use your home address and not work address or P.O. Box so that we are able to verify your identity.

For more information regarding money transfer business regulations, please click here.

How long will it take to get my card?

Once approved, your Venmo card should arrive within 5-7 business days. The card can only be sent to a home address at this time. If 7 business days have passed and you have still not received your card please contact us.

Where can I use my Venmo card?

Everywhere Mastercard is accepted in the U.S. Please note Venmo and the Venmo card cannot be used with international merchants, even if you are placing an online order from the U.S.

Can I use my Venmo card outside of the US?

The Venmo card may currently only be used in the U.S., at U.S. merchants for transactions in USD. Please note Venmo and the Venmo card cannot be used with international merchants, even if you are placing an online order from the U.S.

The Venmo Mastercard is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated. The Bancorp Bank; Member FDIC. Card may be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Are you sure you want to leave?

This link takes you to another, external website that doesn’t belong to Venmo. Make sure you review the privacy policies, as they may differ, and always check that the connection is secure before you provide any personal information. Venmo and the issuer of your Venmo card, The Bancorp Bank, neither endorse nor guarantee any of the information, recommendations, optional programs, products, services advertised, offered by, or made available through the external website (“Products and Services”) and disclaim any liability for any failure of the Products and Services.

Continue to WebsiteNever Mind

To add a card to your Venmo account from a computer, click here and click "Edit payment methods" and then "Add Debit or Credit Card" then add your card information.

If you’re in the app please follow the instructions below

Tap the "" icon at the top of the app

Under “Settings," tap “Payment Methods”

Tap “Add bank or card...” and then tap “Card”

Add your card information manually or with your phone’s camera

Once you add the card, you can set it as your primary payment method in your Settings Payment Methods.

Please be aware that payments funded by credit cards are subject to our standard 3\% fee. Making purchases from authorized merchants with Venmo is always free, even if you use a credit card. Please see this article for information about purchasing with Venmo.Some credit card providers charge cash advance fees (possibly including an additional dollar amount or percent rate, in addition to other possible cash advance service fees, including a higher APR) if you use your credit card to make payments to friends on Venmo. For more information about whether your card provider charges these fees, contact your card provider.For more information about fees please see this article.

If you’re having trouble adding your credit or debit card to Venmo, the best thing to do is reach out to your card issuer to confirm that there are no issues. Often times cards are declined because of a recent zip code or address change - your card issuer should be able to tell you more.

Note: You cannot transfer funds from your Venmo account to a credit card. To transfer to your bank you will need to add an eligible debit card (for instant transfers, a 1\% fee with a minimum fee of $0.25 and a maximum fee of $10 is deducted from the transfer amount for each transfer) or a bank account (for standard transfers, no fee; for instant transfers, a 1\% fee with a minimum fee of $0.25 and a maximum fee of $10 is deducted from the transfer amount for each transfer). For more information about fees, please see this page.

When you initiate a transfer out of Venmo using your linked bank account, we'll show you the estimated arrival date. However, we review account and transaction activity at various times, including when you initiate a transfer of funds out of Venmo. This review checks for, among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you’ve transacted comply with the Venmo User Agreement.

Review may result in:

delayed, blocked or canceled transfers;

funds being held by Venmo;

funds being applied to a negative Venmo account balance or used to offset loss incurred by Venmo;

account suspension or termination;

funds being seized to comply with a court order, warrant or other legal process; and/or

funds you previously received being reversed (i.e., sent back to the sender’s Venmo account or to the card or bank account that was used to fund the payment).

Among other reasons, we may take the above actions if you knowingly or unknowingly received a payment that was made from a stolen card, compromised bank account, or compromised Venmo account, or if you conducted a prohibited transaction, such as using Venmo to transact with another user who is not an authorized merchant and who you do not personally know for good or services (for example, concert tickets, electronic equipment, sneakers, a watch, or other merchandise).

In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to funds in it until verification is completed.

PLEASE NOTE: The following information applies to standard bank transfers. For more information about instant transfers sent to your bank account, please see Instant Transfers FAQ.

Transfers out of Venmo using your linked bank account that are initiated before 7 PM Eastern Time on business days will typically be available in your bank account the next business day. Business days are Mon-Fri, excluding bank holidays. Transfers out of Venmo using your linked bank account will not be deposited on weekends or bank holidays.For a list of federal holidays that apply to most banks, please see here.

To confirm receipt of a transfer out of Venmo using your linked bank account, please make sure you check your bank account statement to see if the transfer has been processed and deposited into your bank account. In some cases, your transfer out of Venmo may have posted on a date other than our estimated date, so be sure to check the surrounding dates as well.

If you’re not able to locate your transfer out of Venmo after 3 full business days (weekends and bank holidays are not business days), please check out this article for more information about what may be happening and how to resolve it.

Please see this page for more information about fees.

If you want to see if your card carries a fee, you can do so by going into your Settings > Payment Methods, and tapping on the card. You'll also be notified while adding a card that falls under this category.

Some credit card providers charge cash advance fees (possibly including an additional dollar amount or percent rate, in addition to other possible cash advance service fees, including a higher APR) if you use your credit card to make payments to friends on Venmo. For more information about whether your card provider charges these fees, contact your card provider.

When you download our app and sign up, you may be asked to grant Venmo permission to access your contacts. Venmo will access the names, phone numbers and email addresses of your contacts to improve your search results, let you invite contacts and as otherwise permitted in our Privacy Policy. You can choose to deny the request if you'd like.

Syncing will friend your contacts that use Venmo, so you can easily find, pay, and share payments with each other.

If you choose “Don’t Allow” you can grant Venmo access to your contacts later by selecting Venmo in your device Settings and enabling Contacts.

Facebook

If you select “Connect Facebook” Venmo will access your email address, friend list, profile picture, and public profile to improve your search results, help you invite contacts to Venmo and as otherwise permitted in our Privacy Policy. Venmo will access your birthday for user segmentation.

How do I get rid of the Getting Started checklist? Why am I stuck at 40\%?

The checklist you’re seeing is a guide to help new users get set up - it’s not a requirement. You can use Venmo to the fullest without completing all the steps -- typically if you verify all your profile information (phone, email and bank account) and invite a friend to try Venmo, that list will complete and will no longer display on your profile! Feel free to just ignore it too - it’s designed to disappear in a couple weeks.

Can I use Venmo outside of the United States?

Not yet! While we hope to make Venmo available internationally, Venmo is only accessible within the United States at this time.

What mobile operating systems is the Venmo app compatible with?

Venmo is only able to support Apple iOS 10.0 or Android Lollipop (API 21) or higher devices at this time.

Where can I sign up?

To be able to use Venmo, you must be in the United States, and have mobile device capable of accepting SMS messaging. You can create a Venmo account right here on the web at venmo.com, or you can download our app from the App Store or Play Store depending on your device, and create your profile.

Why does it say my phone number or email is already on file?

It’s possible that you may have already created a Venmo profile and simply need to sign in. If that is the case, you can use your email, phone number or username and password to log into your account. Still not able to log in? Check out this article for more details and next steps.

What happens when I sync my contacts or Facebook with Venmo?

When you download our app and sign up, you may be asked to grant Venmo permission to access your contacts. Venmo will access the names, phone numbers and email addresses of your contacts to improve your search results, let you invite contacts and as otherwise permitted in our Privacy Policy. You can choose to deny the request if you'd like.

If you select “Connect Facebook” Venmo will access your email address, friend list, profile picture, and public profile.

Please see this article for more information.

Find the Pay or Request button on the home screenit will either say “Pay or Request,” or it will look like a pencil and a square. You can add as many friends as you’d like to pay or charge, the amount, and a note. Once you’re ready, tap “Request” or “Pay” depending on the action you want to take, and you should be all set!

Do I need to add money to Venmo to pay someone?

Nope! You don’t need to add money to Venmo to make payments.

If you have access to a Venmo balance, any payments you receive from friends will be added to your Venmo balance, and you can use those funds to make payments. If you make a payment for an amount that is equal to or less than the amount in your Venmo balance, it’ll be fully funded by your Venmo balance. If you make a payment for an amount that is greater than the amount in your Venmo balance, it’ll be fully funded by your external payment method (bank account or card). In other words: Individual payments on Venmo are never funded by more than one source. For more information about how Venmo balance works, visit this article.

If you don’t have access to your Venmo balance, you can’t use payments you receive from others to fund your own payments. Any payments you make will be funded by your external payment method (bank account or card). If you’d like to use the money in your Venmo account to make payments, visit this article.

Remember: If you're ever confused about which payment method will be used for a specific payment you're making on Venmo, you can always check the bottom of the screen where you enter all the details of the payment to see which payment method will be used.

It is worth noting, that in some rare cases, there may be a problem processing a payment. If we identify an issue, funds may not be available to the recipient right away and may cause a bank transfer to be delayed or blocked or funds being frozen or removed from your account. If there is a problem processing your payment, a notification will be sent to you and/or the recipient via email, and you may need to choose a different payment method outside of Venmo.

What's the cash advance fee?

It's the same fee that's charged when using a credit card to withdraw money from an ATM or branch. The interest rate is usually higher than using the credit card for a purchase.

So when you send money to a friend, you may be charged an additional fee based on dollar amount or percentage ratewhichever is higher. In addition, they might charge other cash advance service fees including a higher APR.

Things could add up! Be sure to check with your card issuer on the fees they may charge.

Which credit cards does this impact?

Only cards within the Visa and Mastercard networks.

Why can’t Venmo show the exact value of these fees?

Your credit card issuer decides all of the fee details. This info isn't shared with us when you're sending money. Be sure to check with your card issuer to learn more about the fees they might charge.

How can I avoid this fee?

The easiest way is to just send money with a bank or debit card.

What is instant transfer? How quickly can I get my transfer?

Instant transfer is a feature that allows Venmo users to transfer the money in their Venmo account to certain bank accounts or eligible Visa and Mastercard debit cards, typically within 30 minutes. A 1\% fee (with a minimum fee of $0.25 and a maximum fee of $10) is deducted from the transfer amount for each transfer. The standard bank transfer (typically completed within 1-3 business days) is still available for no fee.

Please note, transfers are reviewed which may result in delays or funds being frozen or removed from your Venmo account. Learn more here.

What is the difference between instant transfer and standard bank transfer?

There are two ways to get your money out of your Venmo account:

Instant transfer through your eligible bank account or debit card. This type of transfer incurs a 1\% fee (with a minimum fee of $0.25 and a maximum fee of $10) and typically arrives within 30 minutes.

Standard transfer through the ACH network to your verified checking account (which is free but typically arrives 1-3 business days after you request the transfer.)

Please note, transfers are reviewed which may result in delays or funds being frozen or removed from your Venmo account. Learn more here.

I haven’t seen my instant transfer in 30 minutes, what should I do?

When you initiate an instant transfer on Venmo, you will see a green check mark to indicate the transfer has been initiated. When the transfer successfully completes, you’ll receive a notification. If it’s still within 30 minutes and the transfer shows as “Pending” on your feed, hang tight! If you receive a notification that the transfer completed but do not see the money available in your bank account,we recommend reaching out to your bank directly to help locate the transfer.

When contacting your bank about an instant transfer sent to a debit card, it’s important to explain that the money will appear as an original credit transaction (OCT), which is a direct credit to your debit card. This isn’t a missing ACH/direct deposit.

Can I use instant transfer any time or day and still expect to receive my money within 30 minutes?

Yes, instant transfers can be made 24 hours a day, 365 days a year regardless of holiday or weekend schedules, subject to Venmo service disruptions. If you don’t see the transfer on your bank statement after 30 minutes please reach out to your bank.

Please note, transfers are reviewed which may result in delays or funds being frozen or removed from your Venmo account. Learn more here.

Why do standard transfers arrive slower than instant transfers?

Standard bank transfers utilize ACH bank processing, which typically takes 1-3 business days to reach your bank account. Instant transfers are processed through different networks so that the money can reach your bank account much more quickly (typically within 30 minutes).

Please note, transfers are reviewed which may result in delays or money being locked or removed from your Venmo account. Learn more here.

How do I know if I have an eligible card or bank account?

Currently, instant transfer only works with certain bank accounts or eligible Visa or Mastercard debit cards. The best way to determine if your bank account or card is eligible is to add it (if it has not been added). Ineligible bank accounts or debit cards that you have already added from Payment Methods will be displayed, but will be greyed out, and you will not be able to select them for instant transfer. If you have added an eligible bank account or card, then you will be able to select it after initiating a bank transfer.

Why is one of my bank accounts or cards unable to be selected (greyed out) for instant transfer?

This feature is only available for certain bank accounts or U.S. Visa or Mastercard debit cards that participate in either Visa’s Fast Funds service or in the Mastercard send platform. If you are unable to select a debit card on file when attempting to make an instant transfer, then your bank does not currently participate in either service and we would recommend reaching out to the bank that issued your debit card to request that they participate.

I used instant transfer to transfer my money. Where is my money now?

If you are looking for your transfer, it is best to check your bank account balance and/or statement. (Instant transfers sent to aneligible Visa or Mastercard debit card aredeposited to the bank account that is linked to your debit card.) You should typically see the money there within 30 minutes of initiating the instant transfer. If you don’t see the transfer on your bank statement after 30 minutes, please let us know, and we’ll be happy to help with the next steps.

Please note, transfers are reviewed which may result in delays or money being locked or removed from your Venmo account. Learn more here.

Why can’t I transfer less than $0.25?

The fee for Instant Transfer is a 1\% fee (with a minimum fee of $0.25 and a maximum fee of $10) for every transfer you make to your eligible bank account or debit card.This fee is deducted from the transfer amount, therefore you have to transfer more than that amount to account for the fee. If you need to transfer less than $0.25, our Standard Bank Transfer option is still free to use.

What is the fee?

The fee for instant transfer is a 1\% fee (with a minimum fee of $0.25 and a maximum fee of $10) for every transfer you make to your eligible bank account or debit card. Instant transfer will allow you to transfer the money in your Venmo account to your bank account or debit card typically within 30 minutes or less. This fee is deducted from the transfer amount. Please note that our standard bank transfer option (typically within 1-3 business days) is still free to use. For more information about fees, please see this page.

Why was the amount transferred to my bank less than the amount in my Venmo account?

When you selected instant transfer, the fee for this transfer, a 1\% fee (with a minimum fee of $0.25 and a maximum fee of $10), was deducted from the transfer amount. If you look at your personal feed you can see the actual transfer amount and a note that the fee was applied.

If you are made aware of a transaction using your Venmo account that you did not authorize, please email us at [email protected]. You may also contact Venmo's unauthorized transaction support team at 1-855-812-4430.

For additional information about resolution procedures for unauthorized transactions, please see the Venmo User Agreement.

When you sign in from a device we don’t recognize as yours, a code is sent to the phone number registered with your Venmo account. Entering this code correctly confirms your identity to help secure your Venmo account. Remember that you should never share this code with anyone else. Nobody at Venmo will ever request the verification code to your account. For more information on how verification codes work, you can read up here.

If you have a new phone number, here are some steps to update it. First, from a computer, head to www.venmo.com and enter your username, email address or old phone number along with your password. You’ll see a screen that offers to send the 6 digit sign in code to your old phone number. From here there are two possible options.

Option 1: You see a link, “I don’t have access to this phone”

Click on the link, “I don’t have access to this phone”, located under the Send Code button.

An alternate way to confirm your identity will be presented on the next screen.

Option 2: There is NO “I don’t have access to this phone” link, or you no longer have the information to confirm your identity.

No worries, we can still help! (Note: it may take a 1-2 days to complete this process).

Please contact our Support team and be sure to include the following information to expedite the process.

Your full name.

Email address and old phone number associated with your Venmo account.

For a bank, the full routing number and last 4 digits of your bank account number. OR, if you’re providing a card, the first 6 digits and last 4 digits of the card number.Pleasedo notprovide the full card number or bank account number for your security.

Once you’re logged in, you can go into the Settings menu on the app or Venmo.com to update your phone number.

To view your complete transaction history or statement, you can log into your Venmo profile from a computer's browser. You can then click “Statement” or click here to view your transaction history. (Please note that you cannot access your statement from a mobile web browser.)

If you would like, we also provide the ability to download your transaction history as a CSV file by clicking the “Download CSV” button next to the date selection.

Note: All of your transaction history can be viewed, but you can only view or download a maximum of 90 days at one time. If you need to see longer than 90 days, you’ll need to search multiple date ranges. For example, if you wanted to download 6 months worth of history, you would select January 1st - March 31st in one file, and another file for April 1st - June 30th.

Similarly, you can also view all the payments you’ve made and received by clicking here or by choosing the personal feed within the app.

For information about transaction history notification emails, please click here.

I’m having problems with the sign-in code

I didn’t receive the code.

Emails & text messages may experience delays in delivery. Wait a few minutes & tap “resend code”. If you still haven’t received the code after multiple attempts. You can also sign in from a device you’ve used previously or follow the instructions here.

The code you sent me isn’t working.

For your security, codes are only valid for a limited period of time. Please complete the sign in process again to generate a new code.

The code is going to a phone number that isn’t mine.

Don’t worry, without your password, whoever received the code will not be able to access your Venmo account.

To update your phone number, sign in from a phone or computer that you’ve used to access Venmo previously. We’ll let you skip the security code challenge. If you are concerned that the recipient of the code knows your password, we encourage you to reset your password as well.

If you don’t have access to another remembered device or cannot login to update your phone number, please follow the instructions here to get that process completed.

Where can I see my payment methods?

In the app, head to “” icon then “Settings” then "Payment Methods," where you should see a list of the bank accounts and cards that you’ve added to your Venmo account.

Can I use a prepaid card or gift card?

We allow credit, debit and prepaid, network branded (e.g. American Express, Discover, MasterCard, Visa) cards registered under your name to be added to Venmo. Cards may be declined by the card issuer or Venmo for funds availability or fraud prevention reasons. Also, some payment cards may require a zip code to be linked to your account.

Some credit card providers charge cash advance fees (possibly including an additional dollar amount or percent rate, in addition to other possible cash advance service fees, including a higher APR) if you use your credit card to make payments to friends on Venmo. For more information about whether your card provider charges these fees, contact your card provider.

Are there fees to use Venmo?

For information about our fees, please visit https://venmo.com/about/fees/

Can I change where my payment is coming from?

Actually, no. The payment method and amount of a payment cannot be changed once it’s been sent. The moment you send a payment in Venmo, the funds are authorized to be withdrawn from your payment method. Sorry about that!If you have access to a Venmo balance and have enough balance to cover the entire cost of the payment, Venmo will use your balance to pay for your payment. Otherwise, Venmo will charge the entire cost of the payment to your preferred payment method.

If you sent a payment using iMessage and it hasn’t been accepted yet, or it went to a “New User,” you will still have the option to cancel the payment. You can read more about that here.

Please see the article on how to update your payment method, so that the correct payment method is debited for next time!

Can a bank account or card be added to two separate Venmo accounts?

If you share ownership of a bank account with another Venmo user, you may both be able to use the bank account on Venmo. We are slowly rolling out a new feature to allow two Venmo users to add the same bank account to each of their Venmo accounts. (Please note that the bank account can only be linked to two Venmo accounts at a time, so any additional users who attempt to add the bank account will be declined.) For more information about joint bank accounts, visit this article.

Each (debit or credit) card can only be linked to one Venmo account at a time.

If you’re unable to add a payment method because it’s already linked to another Venmo account, feel free to contact us. We can help!

Why was my card charged $0/$1 when I added it to Venmo?

Sometimes when people add a card to Venmo, they'll see a small line item on their debit/credit card statement that looks like this:

CHECKCARD XXXX VENMO 646-863-9557 NY 000000000000 $1.00

The amount could also be $0, but it's never larger than $1. This is a temporary authorization that we run on your card to confirm that the details you entered are correct. It's important to note that this is not an actual charge to your card. After we create this authorization, we cancel it so that you can use this money again.

If you still see a $1 authorization from Venmo after 5-7 business days, please contact your bank and ask them to remove it for you. We already attempt to cancel all of these when we create them, and cannot take further action on our end once we do so.

Can I add my PayPal card or PayPal account to Venmo?

Adding your PayPal card or PayPal account to use in your Venmo account is not a feature that is availableat this time. Sorry about that!

Money in your Venmo account is made up of any payments that you’ve received from friends that you have neither spent, sent, nor transferred to your bank account. You can see how much money is in your account by going to your profile page, or by tapping the "" icon at the top of the app.

If you have access to a balance, you can use the money in your account to make payments to friends or mobile websites or apps that are approved to offer Venmo as a payment option.

If you don’t have access to a balance, you can still receive payments on Venmo and transfer the money to a bank account, but you cannot use the money in your account to make payments on Venmo until you verify your identity.

We never split payments between money in your account and preferred payment methods. So, when you make a payment, if you have access to a balance and it covers the entire payment, it will be pulled from your balance. Otherwise, it will be funded by your preferred payment method.

Here’s an example:

Let’s say you have $10 in your Venmo balance and want to pay a friend $12. In this case, the entire $12 would be charged to your preferred payment method.

If you don’t have access to a Venmo balance, but have $10 in your Venmo account, payments you make of any amount will be taken from your preferred payment method until you verify your identity.

How can I determine if I have access to a Venmo balance?

If you’re unsure about whether a Venmo balance is available to you to fund payments, don’t worry! Just tap the “” button, then “Settings,” then “Payment Methods.” If you see a “Venmo Balance” at the top of the screen, that means you have access to the feature. If you don’t see “Venmo Balance,” you’ll need to verify your identity in order to access the feature. In order to do so, visit this article.

For security reasons, Venmo places a limit on the number of cards a user can add to their account. Users can have up to 4 active or deleted cards in their account at any given time over a 6 month rolling period.

The 4 card rolling limit means that once you add a card to Venmo, it will count against your card limit for 6 months, even if you delete it. So, a card applies to this 4 card limit if it is was added fewer than 6 months ago (even if it has since been deleted).

If you are seeing an error message that you've reached the limit, you are likely hitting the rolling limit and will need to wait until it’s been 6 months since you first added a card. At this time, Venmo is not able to increase your limit above 4 cards. Additionally, we (Venmo) may change this limit at any time in our discretion.

In order to send payments directly from your bank account, you’ll need to verify it. We also recommend taking the time to verify your bank account before you transfer funds to avoid any complications.

If you've entered the wrong account information, a couple of things could happen:

Your bank will not be able to find your account and your bank transfer will fail. The money may be returned to us after a few days and put back into your Venmo account, but we cannot guarantee that will happen.

If the bank does not return the transfer, the funds may be lost. Venmo is not responsible for lost transfers as a result of incorrect bank credentials. Your bank will be the best point of contact in this scenario.

There are two ways you can verify your bank account in Venmo:

I. Instant Verification

One way to verify your bank account is by providing the username and password that you use for online banking. Venmo uses Plaid to verify your bank account information and, periodically, your bank account balance to check if you have enough funds to cover certain transactions. If your bank is eligible for instant verification, you will be prompted to add your online banking username and password (or other identifying information) after you have selected your bank.

If you’re having any trouble with this, the best thing to do will be to reach out to your bank. In the meantime, you can always add your bank account manually using your routing and account number combination. Simply select “Manual Verification” instead of “Instant Verification” and you’ll be all set.

II. Microtransfers

When you add your bank account to Venmo manually (with your routing and account number), we'll send microtransfers to your bank account to verify ownership (these will be less than $1 each). When we issue these microtransfers to your account, we issue two small withdrawals and to offset those withdrawals we issue two small deposits simultaneously.To avoid any overdraft or other bank fees make sure you have at least $2 in your bank account.

You'll see these deposits/debits in your bank account within 1-3 business days as separate items on your bank statement. Once you do, you can visit www.venmo.com/verifybank to verify your bank account.

If you’re not seeing the amounts after 3 business days, it’s possible the bank account information may have been entered incorrectly. Please see this article for more information about the next steps.

The moment you send a payment in Venmo, the funds are made available to the recipient. If you sent a payment to another user with a similar name, as a first step, send that user a charge request for the same amount of the payment so they can pay you back.

You should include a note asking them to pay you back for the money you sent by mistake, and once they accept the request the payment will be added to your Venmo account.

If you don’t hear back from them or need help sending a charge request, contact our support team and we’ll do our best to help. While we cannot guarantee we’ll be able to help recover the money,if you reach out to us, we can provide any available options.

When you contact us, please be sure to include the following details to expedite the process:

Username of the person that you sent the funds to

Amount of the payment

Date of the payment

Username, phone number, and email address of the person that you meant to pay

If you sent the payment to a New User meaning you paid an email address or phone number that isn’t associated with an active Venmo account yet you can go ahead and cancel the payment to take those funds back yourself!

What is the transaction history email and why am I getting it?

Venmo sends this email to remind our users to check their transaction histories on a regular basis.

If you have been active on Venmo (i.e. made or received a payment, made a purchase, transferred to bank, or received credits/refunds) in the past month, you will receive a notice at the beginning of the following month. Otherwise, you will receive this notice once per quarter at minimum.

Can I unsubscribe or opt out of these emails?

Venmo is required by federal financial regulations to send this notice to you on a regular basis (specifically 205.9.b here ), so unfortunately you cannot unsubscribe. We apologize for the inconvenience.

If you close your Venmo account, you’ll still receive one final transaction history email to the email address on file with your Venmo account.

But what about the CAN-SPAM act? Can't I unsubscribe from any email?

The CAN-SPAM Act only requires businesses to provide an unsubscribe link for commercial email, which is explicitly advertising or promotional. Some of our emails are transactional and required for Venmo to fulfill its responsibilities as a federally regulated money transmitter. You can learn more about CAN-SPAM at ftc.gov.

I see an unusual or suspicious transaction on my history. What should I do?

Contact us as soon as you see the suspicious activity. You can send us an email, call us at 855-812-4430, or if you’re feeling old school, send us a letter:

Venmo Error Resolution Department

222 W Merchandise Mart Plaza

Suite 800

Chicago, IL 60654

We recommend phone or email for the fastest reply.

I received this email but don’t have a Venmo account.

It’s likely that you either still have an account and did not cancel it fully, or it is possible that another user mistakenly tried to sign up with your email address. Please contact us to get help.

Venmo users who have been approved for a Venmo Mastercard have the option to add money from a verified bank account directly to their Venmo balance. In order to do so, follow these steps:

1. If you haven’t already, add a bank account to your Venmo profile ( here ) and verify it ( here ).

2. In the Venmo app:

Tap the “” icon at the top of the app

Tap “Manage Balance”

Tap “Add Money”

Enter the amount you’d like to transfer,* and tap “Done”

Confirm the bank account you’d like to transfer money from, and tap “Next”

Review the transfer information and estimated arrivaldate, and then tap “Add Money”. Once you do this, there is no way to cancel your transfer.

How long does it take for the funds to reach my Venmo balance?

Add Money transfers typically take 3-5 business days to reach your Venmo balance, and the funds from that transfer won’t be available until the transfer is complete.

Can I cancel my transfer to my Venmo balance?

A transfer to your Venmo balance cannot be cancelled once it is initiated. It is important to note that the Venmo Support team is also unable to cancel transfers to your Venmo balance. If you change your mind after initiating a transfer to your Venmo balance, you can transfer it back to your bank once it completes.

What if the transfer to my Venmo balance fails?

Transfers can fail for a variety of reasons. If your transfer to your Venmo balance fails, you will be notified via email, and the funds will not move from your bank to your Venmo balance.

Why don’t I see the ability to add money in my Venmo app?

At this time, only users who have applied for and received a Venmo card have the ability to add money to their Venmo balance manually. If you’d like more information about applying for a Venmo card, click here. Keep in mind that you don’t need to add money to your Venmo balance to pay friends or businesses in the app.

*Are there any limits to how much money I can add to my Venmo balance?

There is a $1,500.00 weekly rolling limit on transferring funds into your Venmo balance. A transaction counts against your weekly rolling limit for exactly one week following the time of the transaction. So, for example, if you add money to your Venmo balance on a Monday at 11 AM, then at exactly 11:01 AM the following Monday, that transaction will no longer count against your limit. For more information about limits on Venmo, click here.

The Venmo Mastercard is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated. The Bancorp Bank; Member FDIC. Card may be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Can you cancel my payment?

Unfortunately no - the moment you send a payment in Venmo, we send a request to your bank/card company to debit the funds and make them available to your friend. Sorry about that!

If you want your friend to pay you back, simply have them send you a payment for the same amount.

Please note: if your payment feed indicates you sent your payment to a new user, you can follow the instructions here to cancel that payment. You’ll also be able to cancel any iMessage payments that you’ve sent and have not been redeemed using the same instructions.

For more details aboutcancelling a payment, please see this article.

My payment says it went to a “New User” - what does that mean?

Your payment went to an email address or phone number that isn’t associated with an active Venmo account. This means that you’ll need to have your friend add that information to their account, or take back the funds under “Incomplete” in the Venmo app. You can find instructions on how to take back the payment here.

What do I do if I paid the wrong person?

Send them a charge request for the same amount with a note asking them to pay you back for the money you sent by mistake.

If you don’t hear back from them or need help sending a charge request, feel free to check out this article for instructions on how to contact us. We’d be happy to help!

Can I change where my payment is coming from?

You can edit your payment method any time before you complete your payment. Simply tap on the bank or the card shown at the bottom of the payment screen to change it. This will update your payment method for this payment.Please note, it's not possible to change the payment method once you've sent the payment.

You can also head here to see your Transaction History, including the details for the payment.

What’s the most money can I send using Venmo?

When you sign up for Venmo, your limit is $299.99. Once we have confirmed your identity, your weekly rolling limit is $2,999.99. Your limit will be set at $299.99 if you haven’t. To learn more about limits, or how to verify your identity, please see this article.

Please note: these limits may change from time to time in our discretion.

My friend paid me on the wrong email address, can I add it to my Venmo account?

If your friend sent you a payment to an email address that’s different from the one you signed up with, you can add and verify that email address to receive the payment here. This email address will be added in addition to the email address that you signed up with, meaning you’ll be able to receive payments sent directly to both email addresses. To login to your Venmo account, you’ll continue to use the email address that you signed up with and originally associated with your account. Please note that this can only be accomplished from a computer.

Once you’ve verified the email address, the payment (and any future payments sent there) should come through to your Venmo account successfully!

What do I do if I receive a payment from a stranger?

If you receive a payment from someone that you don't know, you can simply send a payment back to the other user with a note explaining that they paid the wrong person. You're also welcome to contact us to have us reverse the other person's payment back to them for you.

In the future, you can block another user by going to their Venmo profile, touching the three dots in the top righthand corner, and selecting "Block" to prevent this situation from occurring again.

Where can I find details about my transaction history?

To view your complete transaction history, please see this article for details.

Can I set up automatic recurring payments or charge requests?

Venmo doesn't offer automatic recurring payments or charge requests between users at this time.

Can I connect Venmo to my PayPal account to transfer money between the two?

Although Venmo is a service of PayPal, Inc. we do not offer the ability to transfer funds between Venmo and PayPal accounts at this time.

Can I use Venmo to pay myself or move money between two of my own payment methods?

Venmo is intended only for payments between separate individuals rather than moving money between your own payment methods. Additionally, users are only allowed to maintain one Venmo account at a time.

Can I use Venmo to buy or sell merchandise, goods, or services?

You may only use Venmo to pay for goods or services using a Venmo card at merchants that accept the card or through mobile websites or apps that are approved to offer Venmo as a payment option. If available, the option to pay using Venmo will appear as a Venmo-branded payment button at checkout or, in some cases, may appear after you first select PayPal as your payment method.

Venmo may not otherwise be used to receive business, commercial or merchant transactions, meaning you CANNOT use Venmo to accept payment from (or send payment to) another user for a good or service.

DO NOT USE VENMO TO TRANSACT WITH PEOPLE YOU DON’T PERSONALLY KNOW, ESPECIALLY IF THE TRANSACTION INVOLVES THE PURCHASE OR SALE OF A GOOD OR SERVICE (for example, concert tickets, electronic equipment, sneakers, a watch, or other merchandise). These transactions are potentially high risk, are not allowed under Venmo’s User Agreement and Venmo does not offer a protection program for such transactions. This means:

If you send a Venmo payment to someone for a good or service, you could lose your money without ever getting what you paid for.

If you accept a Venmo payment from someone for a good or service and we later review the payment, we may reverse the payment, meaning you could lose both the payment and the item sold. This review process may not occur until after you attempt to transfer the funds out of Venmo.

If you would like to know more, please see this article here. If you want to know more about making purchases from authorized merchants with Venmo, please see this article for the details.

We review account and transaction activity at various times, including when you initiate a transfer of funds out of Venmo. We may use proprietary fraud and risk modeling when completing this review and assessing the risk associated with your Venmo account. This review checks for, among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you’ve transacted comply with the Venmo User Agreement.

Review may result in:

delayed, blocked or canceled transfers;

funds being held by Venmo;

funds being applied to a negative Venmo account balance or used to offset loss incurred by Venmo;

account suspension or termination;

funds being seized to comply with a court order, warrant or other legal process; and/or

funds you previously received being reversed (i.e., sent back to the sender’s Venmo account or to the card or bank account that was used to fund the payment).

Among other reasons, we may take the above actions if you knowingly or unknowingly received a payment that was made from a stolen card, compromised bank account, or compromised Venmo account, or if you conducted a prohibited transaction, such as using Venmo to transact with another user who is not an authorized merchant and who you do not personally know for good or services (for example, concert tickets, electronic equipment, sneakers, a watch, or other merchandise).

In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to funds in it until verification is completed.

Why do I need to confirm my identity on sign-in?

Have you ever used the same password for Venmo and another app? Hackers can steal your Venmo password from the database of another company. Confirming your identity when signing in from a new device adds an additional layer of security.

How do I confirm my identity?

When you sign in from a device we don’t recognize as yours, a code is sent to the phone number registered with your Venmo account. Entering this code correctly confirms your identity. Never share this code with anyone else. Nobody at Venmo will ever contact you to request this code.

Alternately, you may confirm your identity by verifying financial information if you have a bank or card linked to your Venmo account. Please note that this backup option is not available for all users.

After successfully signing in, you may grant Venmo permission to remember the device. You won’t need a code to confirm your identity when signing in from that device in the future. You will still need to enter your password correctly.

Can I control what devices Venmo recognizes as mine?

Yes. In your settings, there is a list of “ Remembered Devices ” that you can edit.

If you notice a phone that isn’t yours in my Remembered Devices list, we recommend removing any devices that look suspicious. Anyone signing in from that device will need to pass the security code challenge.

We also encourage you to change your password to maximize your security.

More information about Venmo’s security can be found here.

I have the wrong phone number listed on Venmo

Please see this article for instructions on how to update your phone number.

If you already have a verified bank account on Venmo, you can jump to step 3 of this article.

1. Add a bank account

For more information on how to link a new bank account, please see our help article about linking a bank account.

2. Verify your bank account (RECOMMENDED)

For more information on how to verify your bank account, please see our help article about verifying your bank account.

We strongly recommend that you verify your account before transferring funds to your bank account to ensure that the funds arrive successfully. Venmo is not responsible for lost transfers to bank as a result of incorrectly entered bank credentials.

3. Transfer funds to bank account

Once you have added your bank account and verified it, click here to transfer funds to your bank account if you're using a computer.

In the app:

Tap the "" icon at the top of the app

Tap "Transfer to Bank" or “Transfer Money.” (Alternately: Tap “Manage Balance” and then “Transfer to Bank”)

Enter the amount you would like to transfer to your bank

Tap “Instant” (for a small fee) or “1-3 Biz Days” (for no fee), and select your preferred bank account or debit card

Confirm your transfer details, and tap the green “Transfer” button

For information on when your bank transfer is expected to arrive in your bank account, click here.For more information about instant transfers (and the associated fees), click here.

Please note, transfers are reviewed which may result in delays or money being locked or removed from your Venmo account. Learn more here.

If you don’t remember your password or are concerned about the security of your account, you can change your password from the Profile section of your Settings on venmo.com.

You can also follow these steps to reset your password:

Tap or click here

Enter the email address or phone number associated with your Venmo account

In your email inbox or messages, tap or click the link that was emailed or texted to you

Create a new password (between 8 and 32 characters long) and log in.

If you received an error message during sign-up stating that your email/phone is already registered, that means that there is an active Venmo account that has already signed up with the phone number or email address you attempted to sign up with.

If you have never signed up for Venmo, please contact our support team directly so we can help out. Please be sure to include the email address/phone number that you're trying to use to expedite the process.

Note: Losing service or stopping sign-up midway through signup in the past can also cause accounts to be created by mistake.

If you made an Uber purchase using your Venmo card please visit these articles for help.

How do I use Venmo as a payment option in the Uber Rides or Eats Apps?

First, make sure you have the most up to date version of the Uber Rides or Eats Apps as you will need to update your payment method to Venmo in those apps specifically. If you are having any trouble updating it, please see Uber’s Help Center about updating payment methods.

I heard there are custom emojis, how can I get these custom emojis? here

Just use Venmo as your payment option and then split or share your purchase in Venmo! The emojis will appear when you tap on the emoji button in the compose screen or type Uber in your payment note. If you aren’t seeing them, make sure you’ve updated to the most recent version of the Venmo app.

Why is my Uber charge different than I expected?

Once you request a ride, you will see a push notification from Venmo with the estimated cost. The charge will be pending in your Venmo feed and Purchases list. This amount is authorized and held until the final charge is complete. In some cases, your Uber fare may be adjusted for any factors that extend the distance or duration of your ride. The final price may also be adjusted due to a tip you added after your ride.

If you have any questions about the amount you were charged, please reach out to Uber for assistance. You can find more information at https://help.uber.com/ or click “Help” in the side menu of your Uber app. It’s also helpful to check your email for an updated receipt from Uber--you can find specific adjustments in the comment box.

Why did I get a push notification for a purchase when I requested an Uber ride? / I received a push notification for my Uber ride and I canceled it - was I charged?

Moments after you request a ride, you will receive a Venmo push notification showing the estimated charge from Uber. This represents an authorization: a pending charge that is used to make sure Uber will be able to charge your Venmo account.During this time, funds will be held from your payment method.

If you happen to cancel your ride, Uber will void the authorization and any held funds will be released back to your payment method. The canceled charge will no longer be displayed in your Venmo feed or Purchases list. If you have any other questions about your ride, please reach out to Uber at https://help.uber.com/ or click “Help” in the side menu of your Uber app.

“Why is there a pending $1 charge from Uber on my Venmo account?”

Uber places a temporary $1.00 authorization on any payment method added to their app to verify that the payment method is valid. The charge to your Venmo account should not be completed. You can read more about this practice .

Are you sure you want to leave?

This link takes you to another, external website that doesn’t belong to Venmo. Make sure you review the privacy policies, as they may differ, and always check that the connection is secure before you provide any personal information. Venmo and the issuer of your Venmo card, The Bancorp Bank, neither endorse nor guarantee any of the information, recommendations, optional programs, products, services advertised, offered by, or made available through the external website (“Products and Services”) and disclaim any liability for any failure of the Products and Services.

Continue to WebsiteNever Mind

What is Venmo Rewards?

Venmo Rewards is a program for Venmo cardholders that offers cash back on purchases with select merchants. If you have a Venmo debit card, you’re enrolled in Venmo Rewards. Offers are automatically applied to your account, so you can start swiping and earning without the hassle. You can find current Venmo Rewards offers in the Venmo Card section of your app.

How do I earn cash back?

You can earn cash back by making eligible Venmo card purchases at select merchants. Current merchant offers are shown in the Venmo Card section of your app. A pending purchase will show estimated Rewards in your feed, but the amount is not disbursed to your Venmo balance until the charge is completed by the merchant. Once the transaction is complete, any earned cash back will be applied to your Venmo account.

Can I earn cash back on online purchases?

Many offers include online purchases. Because each offer is different, you’ll want to view the offer details to see if a specific offer includes cash back on online purchases. You can find offer details in the Venmo Card section of the Venmo app.

When will I receive my cash back?

A pending purchase will show your estimated cash back earned in your feed, but the amount is not final until the charge is completed by the merchant. Once the transaction is completed, any earned cash back will be automatically applied to your Venmo account. Transactions typically complete within 1-5 days, but can take up to 30 days depending on the merchant.

Do Venmo Rewards offers expire?

Offers are only available when they are present in the Venmo Card section of your Venmo app. We recommend double-checking your app to make sure a specific offer is still available before making your purchase. The cash back that you receive from completed, eligible transactions will never expire - these funds are placed in your Venmo balance.

Are there any limits to the amount of cash back I can receive?

Certain offers have limits. Each offer is different, so it’s important to check the terms for each offer. For more information on a specific offer, you can check the Venmo Card section of the app and click “View Details” on each offer.

What is Dosh?

Venmo Rewards is powered by Dosh. When you make a transaction with your Venmo debit card, Dosh checks to see if it is eligible for a cash back reward. If the transaction is eligible for a reward, Dosh will send cash back to your Venmo balance minutes after the merchant completes the charge.

What information do you share with Dosh?

Venmo and Dosh respect your privacy and take precautions to ensure the security of your data. Venmo shares the minimum amount of data necessary to facilitate cash back fulfillment.

For more information on Dosh’s privacy policy, view the terms of service here. You can also check out Venmo’s privacy policy here.

Why can’t I add my Venmo Card to Dosh?

Venmo debit cardholders are automatically enrolled in Venmo Rewards powered by Dosh. Because you’ll already be eligible for Rewards via Venmo, you will not be able to add any Venmo debit cards to Dosh’s platform.

Missing cash back? We can help

If you believe you are missing cash back for an offer, we can double-check it for you.

First, make sure that the transaction in question is completed, and not pending. Pending transactions will show at the top of your Purchases section in the Venmo app. If your transaction is still pending, you’ll need to wait until it is completed by the merchant before you can receive any cash back.

If the transaction in question is completed, please contact us for help.

The Venmo Mastercard is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated. The Bancorp Bank; Member FDIC. Card may be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

As noted in Venmo’s User Agreement, these limits may change from time to time in Venmo’s sole discretion.

Adding Funds from Your Bank Account

If the ability to add funds to Venmo from your bank account is offered to you, the limit on the funds that you can add to your Venmo account from your bank account is $1,500.00 per week (depending on security checks at Venmo).

Transferring Funds to Your Bank Account

If your identity has not been confirmed yet, the limit on the funds that you can send to your bank account is $999.99 per week (depending on security checks at Venmo).

You can raise this limit by confirming your identity (see instructions below). Once you do, you can transfer up to $19,999.99 per week to your bank. The single largest amount you can transfer to your bank account at one time is $2,999.99.

You may only make instant transfers of $0.26 or more. If you need to transfer less than $0.25, our standard bank transfer option is available to use.

Rolling limits

If you make a bank transfer at 11am on Monday, then at 11:01am the following Monday, that bank transfer will no longer count against your limit.

Verifying your identity

For more information on verifying your identity, please visit this article.

Raising your limit

We cannot increase your limits beyond those described above.

As noted in the Venmo User Agreement, limits are subject to periodic review and may be changed based on your Venmo Account history, activity, and other factors, including but not limited to, your Venmo Mastercard activity. Venmo retains sole discretion to apply and change limits.

When you open a Venmo Account, and before your identity has been verified, a $299.99 weekly rolling limit is applied for all transactions combined. See below for instructions on how to verify your identity.

If your identity has been verified, your limits are as follows:

All transactions combined (sending funds, Authorized Merchant Payments, and Venmo Mastercardpurchases combined): $4,999.99 weekly rolling limit

Sending funds (payments to and accepted requests from other Venmo users): $2,999.99 weekly rolling limit

Authorized Merchant Payments (payments for goods or services via mobile websites or apps of merchants approved by Venmo): $2,000 per purchase, 30 transactions per day

Venmo Mastercard Specific Limits

Venmo may adjust your reload limit - to view your personal reload limit amount, please visit Settings Venmo Card in the Venmo app

Purchases: $3,000 per purchase

Reloads: $100 weekly rolling limit*(applicable when reloads are offered to you and enabled)

ATM, over the counter withdrawals, and cash back with purchase transactions: $400 daily limit (resets at midnight CST)

Limits are subject to periodic review and may be changed based on your Venmo Account history, activity, and other factors, including but not limited to, your Venmo Mastercard activity. Venmo retains sole discretion to apply and change limits.

Weekly rolling limits

A transaction counts against your weekly rolling limit for exactly one week following the time of the transaction. So, for example, if you send a payment, make a purchase, or if a reload is triggered* on a Monday at 11 AM, then at exactly 11:01 AM the following Monday, that payment, purchase, or reload will no longer count against your limit.

Verifying your identity

For more information on verifying your identity, please visit this article.

Raising your limit

Sorry, we do not accept requests to increase your limits beyond those described.

*Anticipated reloads on pending Venmo card purchases, and any reloads triggered in the past rolling week, count against your limit. Find your pending and completed purchases in the Purchases section of the Venmo app. For more information about reloads, visit this page.

The Venmo Mastercard is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated. The Bancorp Bank; Member FDIC. Card may be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

You can edit your payment method any time before you complete your payment. Simply tap on the bank or the card shown at the bottom of the payment screen to change it. This will update your payment method for this payment and your default payment method for future payments to friends.If you have access to a Venmo balance and have enough balance to cover the entire cost of the payment, Venmo will use your balance to pay for your payment. Otherwise, Venmo will charge the entire cost of the payment to your preferred payment method.

Please note: the payment method for a payment cannot be changed once it’s been sent. The moment you send a payment in Venmo, the funds are authorized to be withdrawn from your payment method and made available to your friend. We always recommend double-checking your payment method before sending a payment!

If your account has been temporarily frozen due to a failed payment, please see this article for instructions on how to unfreeze it.

In an effort to provide the highest level of security, we may freeze a user's account, reverse certain payments and/or request certain documentation if flags are raised due to account activity that seems to be against our User Agreement or widely accepted credit card policies.

At this time it is not possible for you to unfreeze your account on your own, and we can only assist via email. Please reply to the email that you received when your account was frozen, or contact us at [email protected] for more information.

By editing your account settings, you can change your profile (name, username, email, bio), phone number, banks, cards, notifications, social networks, Touch ID, PIN, privacy, sharing, and nearbysettings. Please note that you can only cancel your account on the web.

In our apps

Once you're logged in, tap the "" icon at the top of the app

Tap on Settings

You can choose which settings you'd like to update from the list

On the web

Navigate to the Venmo Settings page here

Choose which settings to update from the various tabs

If you need to change your primary funding source for payments, please follow the instructions here.

Venmo is designed for payments between friends and people who know and trust one another.

You may use Venmo to pay for goods or services using a Venmo card at merchants that accept the card or through mobile websites or apps that are approved to offer Venmo as a payment option. If available, the option to pay using Venmo will appear as a Venmo-branded payment button at checkout or, in some cases, may appear after you first select PayPal as your payment method. Additionally, you may use Venmo to pay for goods and services when directly given the option to do so by Venmo.

Venmo may NOT otherwise be used to receive business, commercial or merchant transactions, meaning you CANNOT use Venmo to accept payment from (or send payment to) another user for a good or service.

Unless directly given the option by Venmo, DO NOT USE VENMO TO TRANSACT WITH PEOPLE YOU DON’T PERSONALLY KNOW, ESPECIALLY IF THE TRANSACTION INVOLVES THE PURCHASE OR SALE OF A GOOD OR SERVICE (for example, concert tickets, electronic equipment, sneakers, a watch, or other merchandise). These transactions are potentially high risk, are not allowed under Venmo’s User Agreement, and Venmo does not have a protection program for such transactions unless directly offered. So:

If you send a Venmo payment to someone for a good or service, you could lose your money without ever getting what you paid for.

If you accept a Venmo payment from someone for a good or service and we later review the payment, we may reverse the payment, meaning you could lose both the payment and the item sold. This review process may not occur until after you attempt to transfer the funds out of Venmo.

Thank you for your cooperation!

Once you make a payment to a registered user the funds are sent to the recipient’s Venmo account. At this time, it’s not possible to cancel a payment that’s been sent to a registered user in Venmo. If your payment indicates you paid a “New User,” check out this article for info on how to cancel - otherwise:

If you want your friend to pay you back, simply have them send you a payment for the same amount.

Only in instances when the funds are still in Venmo’s system and the recipient's account is in good standing, can we reverse the funds with the recipient’s permission.If the recipient still sees the funds available in their Venmo account, please have them reach out to us directly authorizing a reversal and we would be happy to take care of the rest.

It is worth noting, that in some rare cases, there may be a problem processing a payment. If we identify an issue, funds may not be available to the recipient right away and may cause a bank transfer to be delayed or blocked or for funds to be frozen or removed from your account. If there is a problem processing your payment, a notification will be sent to you and/or the recipient via email, and you may need to choose a different payment method outside of Venmo.

If you’re looking to cancel a payment that you sent to the wrong person, please see this article for further details and instructions.

You can follow these links if you’re looking to cancel:

an iMessage payment

a New User payment

a payment you made in a partner app

If you have questions about buying or selling items with Venmo, please see this article for additional details.

Adding friends is an important part of the Venmo experience. While you don’t have to be friends with someone on Venmo to pay them, it helps ensure that your payments are going to the right place (and helps your friends find you)!

Phone contacts

When you sign up for Venmo (or right before you use a feature for the first time), you’ll be asked to grant Venmo permission to access the contacts on your phone. If you allow access, we’ll look for any friends that are already on Venmo and automatically add them to your friend list (and you’ll be added to theirs).

Facebook

Another option for adding friends is to link Venmo to your Facebook account. If you connect your Facebook account to Venmo, we’ll access your friend list (along with your email address, profile picture and public profile) to automatically add friends as well.

You can also choose to add friends manually by searching for their username or name in your search bar, open up their profile and add them as a friend.

Venmo codes (QR codes)

If you're face to face with someone you want to add, open the Venmo code scanner in the app and point it at the code on their screen. Once their code is centered it will take you straight to their profile page- no need to click! If someone sends you a code just click on the link and it will bring you right into the Venmo app on their profile page.

Removing friends

To remove a friend on Venmo (from the app or web), all you need to do is navigate to your friend’s Venmo profile. On the web, you’ll see a “Remove friend” option on the right side of the page. In the app, simply tap the “Friends” checkmark > Unfriendand you’re all set!

Venmo is a money transfer business regulated by the United States Treasury Department. As such, we are obligated to collect certain information from our users to verify their identities.

We may ask for your SSN to verify your identity if you try to do any of the following:

send $300 or more in one week (rolling 7 day period)

transfer $1000 or more to your bank in one week

create a group account

For more information regarding money transfer business regulations, please click here.

Are you sure you want to leave?

This link takes you to another, external website that doesn’t belong to Venmo. Make sure you review the privacy policies, as they may differ, and always check that the connection is secure before you provide any personal information. Venmo and the issuer of your Venmo card, The Bancorp Bank, neither endorse nor guarantee any of the information, recommendations, optional programs, products, services advertised, offered by, or made available through the external website (“Products and Services”) and disclaim any liability for any failure of the Products and Services.

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A payment sent in iMessage will expire and be automatically canceled if the recipient doesn’t accept the payment within three days. You can also manually cancel the payment before it is accepted by going to Incomplete in the Venmo app menu. Canceling the payment will return the funds to your funding source (not stop the original withdrawal from happening). A payment sent in iMessage cannot be canceled once the recipient has accepted it.

If you sent the funds using your Venmo balance, the funds will be returned there the moment the payment is canceled. If you used a bank account to fund the payment, please note that it will take 3 to 5 business days for the funds to be returned. If the payment was funded by a credit or debit card, the payment will be returned to that card. It may take up to thirty (30) days for the returned payment to be applied by your card issuer. You can contact them directly for specific timeframes.

There are a few ways to cancel a payment that you sent in iMessage:

Go to Incomplete in the Venmo app menu and you should have the option to cancel any pending payments there

If you are on iOS 10 or a desktop, you can open the iMessage payment bubble in the conversation and tap Incomplete Payments (this will take you to the Venmo app to cancel the payment)

To add a bank account to your Venmo account from a computer, click here and select "Link Bank Account" then follow the instructions.

If you’re in the app please follow the instructions below:

Tap the "" icon at the top of the app

Tap “Settings” and then “Payment Methods”

Tap “Add a bank or card...” and then select “Bank”

Select your preferred verification method

help article.

If you choose to add your bank account manually, do not enter the check number that appears after your account number. This can cause transfers to fail or be rejected by your bank.Additionally, when you add your bank account to Venmo manually, we'll send microtransfers to your bank account to verify ownership (these will each be $1 or less). To avoid any overdraft or other bank fees make sure you have at least $2 in your bank account.

Once you add a bank account, we strongly recommend that you verify it before transferring funds or sending a payment. Venmo is not responsible for lost bank transfers as a result of incorrect bank credentials. For information on how to verify your account, please see our

If you received an error that your payment was declined, we recommend reaching out to your card company or card-issuing bank. The fastest way to reach them is by calling the number on the back of your card.

Venmo is unable to see the exact reason why the payment was declined. Calling the number on the back of the card should help out!

If you’ve already checked with your bank, we recommend sending the payment via another method such as through our parent company, PayPal.

How do cancel my account?

You can cancel your Venmo account by clicking “Cancel my Venmo Account” at the bottom of your Profile section when logged in from a computer. Currently you cannot cancel your account from the mobile app.

How do I edit my account settings?

If you’re logged into venmo.com from a computer you can edit your account settings by clicking “ Settings ” at the top right of the website.

If you’re using the Venmo app on your mobile device, you can edit your account settings by tapping on the icon at the top of the app and selecting “Settings."

How do I make my payments private?

Please see our help article about Payment Activity Privacy.

How do I make all of my past payments private?

Please see our help article about Payment Activity Privacy.

How Venmo gets in touch

Nobody at Venmo will ever contact you to request a password or verification code to your account. If you have any questions or concerns about security, send an email to [email protected].

How Venmo helps protect your financial information

We use encryption to help protect your account information and monitor your account activity to help identify unauthorized transactions. If you suspect that your account shows unauthorized activity, contact us at [email protected].

Encryption & storage

We use encryption to help protect your account details and store that information on servers in secure locations. On the web, “https:” and a lock next to the web address is your signal that encryption is on.

Account protection

If you’ve lost your phone or suspect that it is being used in an unauthorized way, you can prevent your phone from accessing your Venmo account. Just go to Venmo.com > Settings > Security and remove the session associated with your phone. When you remove the session, you’ll be signed out of the app on your phone.

To add additional layers of security to your Venmo account, add a PIN code in the app.

Keep yourself safe

Venmo is designed for payments between friends and people who trust each other. Avoid payments to people you don't know, especially if it involves a sale for goods and services. To find out more about buying and selling on Venmo, please see our article here.

Security support

We’re here to help. If you have any questions or concerns about security, send an email to [email protected].

We do our best to respond to any customer service or technical support issues quickly, efficiently, and with care.

Responsible Disclosure

If you are a security researcher and would like to report a vulnerability that you've found, please see the PayPal Bug Bounty Program.

You can sign into your Venmo account using the email, phone number or username that you signed up with along with your password.

All Venmo accounts are protected by Multifactor Authentication (MFA) when signing in from a non-remembered device. When signing in from a new device you will need to confirm your identity by entering a code that we send to the phone number or email linked to your account. If you are unable to receive that text you can sign in by selecting “I don’t have access to this phone” or contacting our support team. If you don't receive the email please contact us so we can help update your email.

New phone number? See this article.

How can I reset my password?

If you don’t remember your password or are concerned about the security of your account, you can change your password from the Profile section of your settings on venmo.com or by entering the email or phone number associated with your account here.

Why am I getting an error when I try to sign in? (403, VPN, Unexpected Error, Error Authenticating, Connection Closed by Peer etc.)

Venmo is currently only supported within the United States, and as a result attempting to sign in from abroad will often result in errors that we are unable to help resolve. Sorry for the trouble.

Additionally, if you are seeing the an error that saysConnection Closed by Peer,Error Authenticating,orUnexpected Error,please keep in mind that Venmo is only able to support use of the app with Apple iOS 10.0 or Android 5.0 Lollipop (API 21) or higher devices at this time.

Follow these links to check your Android version or iOS version. If your device does not meet these requirements, please contact your phone carrier to ask about an upgrade.

If you’re receiving an error when using a compatible device and attempting to log in from within the U.S., there are a couple of things that you can try:

Make sure you are not using any sort of VPN

If you’re connected to an office or school network, try connecting to a different network or turning off Wi-Fi completely

Still having trouble? Check out this article for next steps!

How do I activate my Venmo card?

You can activate your card in the Venmo app (Settings Venmo Card). Make sure to have your card with you when you are attempting to activate it.

My Venmo card is lost/stolen. What do I do?

Disable your card in the Venmo app by navigating to Settings Venmo Card. If you do not have access to your app, you can call 855-204-4090 and deactivate your card that way. This will protect you against unauthorized transactions. If you find your card, you can enable it again in the app at any time (Settings Venmo Card).

To permanently close your card or order a new one, call 855-204-4090 or email [email protected].

The Venmo Mastercard is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated. The Bancorp Bank; Member FDIC. Cardmay be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circlesdesign is a trademark of Mastercard International Incorporated.