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- How to get the Venmo debit card
- How to add money to your Venmo balance
- How to pay someone with your Venmo balance
Venmo has single-handedly eliminated the stress of splitting dinner bills among friends. The mobile payment service makes it easy for people to transfer money from their bank account to other app users. You may also wonder how to add money to your Venmo balance directly from your bank account. This is possible to do — but there is a catch.
You must have the Venmo debit card to add money to your Venmo balance. While Venmo's customer support told us there are plans to expand this feature to non-cardholders, this functionality does not exist for Venmo's wider user base at this time.
Whether or not you have the Venmo debit card, here's what to know about how to add money to Venmo, and how you can use your balance to pay others right through the app.
How to get the Venmo debit card
As aforementioned, you must sign up for the Venmo debit card (and have been approved) before you can add money to your Venmo balance.
To start the sign-up process, you must first verify your identity. For security purposes (such as preventing scams), Venmo only allows users who've verified their identity to be eligible for the Venmo debit card. If you haven't done this, follow the below steps:
- In the Venmo mobile app, tap on the "Me" tab.
- Select the gear symbol in the upper right-hand corner to access your settings.
- Select "Identity Verification" and follow the on-screen steps to complete.
Once Venmo has confirmed that your identity has been verified, follow the below steps to sign up for the Venmo debit card.
- In the Venmo mobile app, tap on the "Cards" tab.
- Tap "Sign up for the Venmo Debit Card."
- Tap "Get the Venmo Debit Card" and follow the on-screen instructions to verify any necessary information and set up your account.
Note that the Venmo debit card works just like a regular debit card from your bank. Your Venmo activity with this card doesn't impact your credit score or get reported to credit bureaus. You also won't have to maintain a minimum balance or pay a monthly fee using this debit card.
How to add money to your Venmo balance
Once you have a Venmo debit card, you can follow these steps for how to add money to your Venmo balance. You can add money from a bank account or debit card that you've already linked through the app.
- In the Venmo mobile app, tap on the "Me" tab.
- Under the Wallet section, tap "Manage balance."
- Select "Add Money."
- Choose the linked account you're drawing money from, type in the amount, and tap "Add."
How long will it take for your funds to arrive? If you've selected a debit card as your funding source, the money should show up in your Venmo balance instantly. However, if you've selected a bank account, the funds will take 3-5 business days to transfer.
Having a Venmo debit card also allows you to pair your Venmo balance with a smartphone Wallet app like Apple Wallet to use for contactless payments in stores.
How to pay someone with your Venmo balance
Regardless of whether or not you're a Venmo debit card user, anyone can use their Venmo balance to pay others (or participating businesses) through the app. Here's how:
- In the Venmo mobile app, tap the "Pay/Request" button on the bottom of the screen.
- Select the user you'd like to pay or type in their handle.
- Type in the amount you'd like to pay, which must be equal to or less than the amount of your Venmo balance. Fill out the "What's this for?" field, then tap "Pay."
- You should see that your Venmo balance is the default payment method for this transaction (and your other linked accounts are grayed out). Tap "Pay" to complete the payment.
Your Venmo in-app balance will always be the default payment method, as long as you have the funds to cover your transaction. It's not currently possible to split a payment between your Venmo balance and another linked account.
If you want to pay someone an amount that exceeds your current Venmo balance, your other linked accounts will be the default payment method. In this case, your Venmo balance will be grayed out and unselectable.
Melanie Yates
Senior Digital Editor
Melanie Yates is the Senior Digital Editor at House Beautiful, where she oversees design, gardening, and home renovation content. Since joining the team in 2024, Melanie ideates, assigns, and edits digital stories from in-house and freelance writers and helps execute big-picture projects for the brand. Prior to this role, Melanie was a senior editor at Best Products for over eight years, where she launched the site’s home vertical, conducted numerous bedding product tests, wrote The Present Perfect newsletter column, and produced video tutorials on how to wrap a gift. A lifelong enthusiast of the written word, Melanie holds a BA in broadcast journalism from Hofstra University and a certificate in copyediting from UC San Diego Extension. She’s always on the lookout for the next vintage find to furnish her Queens apartment.
FAQs
In the Venmo mobile app, tap on the "Me" tab. Under the Wallet section, tap "Manage balance." Select "Add Money." Choose the linked account you're drawing money from, type in the amount, and tap "Add."
Can you add money to Venmo balance? ›
Adding Money to Your Venmo Balance
- Go to the Me tab.
- Tap Add Money.
- Select From a bank or debit card.
- Enter your amount and choose what payment method you want to use.
- Tap Add.
You might be experiencing issues due to a non-verified bank account call at +1.(818) 441-7848, lack of a linked payment method, or account restrictions. Ensure your bank details are correct and reach out to Ｖｅｎｍｏ support if problems persist.
Where can I load cash on my Venmo card? ›
You can add money to your Venmo card at any retailer that accepts Visa or Mastercard. Ask the cashier to add money to your Venmo card. They'll simply swipe your card and enter the amount you'd like to add. That's it!
Why won't Venmo let me transfer money to my card? ›
Your debit card or bank account may not be eligible to process the instant transfer. The information you entered when linking your bank account doesn't match what your bank has on file. Double-check your bank information. If the existing information is incorrect, please remove your bank account and link it again.
How do I add money to Venmo without a bank account? ›
You can add a bank account - but if you don't want to do this, you can still²:
- Add a credit card.
- Add a prepaid card.
- Receive direct deposits.
- Top up with a Venmo debit card ³
Can I use Venmo to pay myself or move money between two of my own payment methods? No. Venmo is intended only for payments between separate individuals rather than moving money between your own payment methods. Additionally, you're only allowed to maintain one personal Venmo account at a time.
Can I add money to my Venmo account with a credit card? ›
To transfer money to your Venmo balance using a credit card, follow the same steps as you would with a debit card or bank account. Simply choose your linked credit card as the funding source when adding funds. However, be informed that using a credit card incurs a 3% fee for the transaction.
Why can't i add payment on Venmo? ›
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. Oftentimes cards are declined because of a recent zip code or address change - your card issuer should be able to tell you more.
Why won't Venmo let me send money from my balance? ›
Why can't I make payments using the money in my Venmo account? You didn't complete the verification process in the timeframe provided, but you can still verify your identity. Once your identity is verified, you can resume using the money in your Venmo account to make payments.
There are a few ways to add money to Venmo without a bank account: Use a Venmo Debit Card. If you have a Venmo Debit Card, you can load it with cash at participating retailers, such as Walmart, Walgreens, and Dollar General. Once your Venmo Debit Card is loaded, you can use it to add money to your Venmo balance.
Does Walmart take Venmo? ›
Retailers which accept both Venmo debit and credit cards as payment include Adidas, Amazon, Coach, Dick's Sporting Goods, Home Depot, Kohl's, Macy's, Nike, Nordstrom, Samsung, The North Face, Under Armour, Walmart and Wayfair.
How do I add to my Venmo balance? ›
You can add money from a bank account or debit card that you've already linked through the app. In the Venmo mobile app, tap on the "Me" tab. Under the Wallet section, tap "Manage balance." Select "Add Money."
Why is Venmo not letting me add money? ›
Venmo doesn't allow all users to deposit funds to their balance. Only those who have signed up for a Venmo Mastercard Debit Card can add money to the account at will. This ensures that any debit purchase is covered by the balance on your Venmo account, which the card is linked to.
How do I get my money out of Venmo? ›
You'll need to initiate a bank transfer to send the funds to your bank account. You can send the money in your Venmo account to your bank using the Standard or Instant method. If you're on the Venmo app, go to the Me tab, then tap Add or Transfer under Wallet (some users may see a Manage button here instead).
Why can't i use my Venmo balance to pay for things? ›
Why can't I make payments using the money in my Venmo account? You didn't complete the verification process in the timeframe provided, but you can still verify your identity. Once your identity is verified, you can resume using the money in your Venmo account to make payments.
Can you transfer a Venmo balance? ›
Once you've added your bank account and verified it, you can use the Venmo app to send the money in your Venmo account to that bank, using the Standard or Instant method. Start by going to the Me tab, then tap the Add or Transfer button under Wallet (some users may see a Manage button instead).
Can I reload my Venmo card at 7-Eleven? ›
Yep, you sure can. You just need to hand your card and the cash to the cashier, and they'll take care of it for ya. Is there a fee to reload it there? Affirmative, my friend.
Can you use Venmo balance and debit card? ›
The Venmo Debit Card uses the money in your Venmo balance, so there aren't any extra steps you'll need to take unless you want to add more money to your balance.
