How to add money to Venmo without a bank account (2024)

Venmo®¹ has lots of easy ways to send and receive personal payments and gifts, spend online and in apps, and even access Venmo branded debit and credit cards. But how does Venmo work if you don’t want to add it to a bank account? This guide walks through your options.

Can you add money to Venmo without a bank account?

New to Venmo? You can get set up with a Venmo account easily online or in the Venmo app, to send money, split bills, shop and more.

You don’t necessarily need to add money to your Venmo balance to use your account, but having a Venmo balance can be handy for managing future payments.

You’ve got a few options when it comes to adding money to Venmo. 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

Also, if someone else sends you a Venmo personal payment, this can be held as your balance for future spending if you want.

Linking a bank account: is it necessary?

You do not need to link a bank account to Venmo to spend or send money. Alternative options are available, like adding a credit or prepaid card - we’ll look at these in more detail a little later.

Can Venmo be used at all without a bank account or card?

You may still be able to receive money with Venmo without linking a bank account or card. This could be handy if someone sends you a Venmo payment or if you’re able to receive direct deposits to Venmo. Your money could be held as a Venmo balance, and then used for spending or sending to others later.

How to use Venmo without a bank account

Using a bank account with Venmo is a popular option, but not the only one. Here are a couple of alternatives you may want to explore.

Add a credit card

Instead of using a bank account as your preferred payment method, you could add a credit card. You’ll need to link your card first, which can easily be one in the Venmo app⁴:

  1. Tap your picture or initials to go to the "Me" tab

  2. Navigate to the Wallet section

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

  4. Follow the prompts to add your card information

Once your card is added, you may be able to add money. The basic steps to add money to Venmo with a card are as follows⁵:

  1. Open the Venmo app

  2. Tap your picture or initials to go to the "Me" tab

  3. Tap Add Money, then From bank or debit card

  4. Enter the value to add, and tap the funding source from your linked cards

Add a prepaid card

Another alternative is to add an eligible prepaid card to your account. You’d need to follow the same steps outlined above to add your card and then use it to top up your account.

Bear in mind that not all card types are able to be added to Venmo - usually prepaid cards on major networks can be accepted, but you’ll need to try your specific card to check.

Receive direct deposits

A final option which may be open to you, is to receive direct deposits to your Venmo account⁶. This may be by receiving your salary to your account, for example.

Not all employers will offer venmo as a direct debit option, but if yours does it’s quite easy to set up. You can then elect to have all or some of your salary paid to Venmo for future use.

To use this option, simply get your Venmo account and routing number, by logging in and going to settings - then give these details to your employer. If they offer a direct deposit service, they can use these details to send your money to Venmo instead of a bank.

Everywhere money. Meet Wise: the world's most international account

If you’re not living in the US — or if you simply want a more flexible account you can open from anywhere — check out Wise.

Wise isn’t a bank, but a money service business (MSB) that offers an account which allows you to hold, send and receive money. As well as getting an attached debit card — plus you’ll get some extra perks which suit anyone living an international lifestyle.

You’ll be able to hold 40+ currencies, and get local account details for up to 9 currencies including USD, to get paid easily by wire or ACH.

Wise offers linked debit cards for spending and withdrawals around the world, and all currency conversion uses the mid-market exchange rate.

That means that whenever you send a payment or spend in a foreign currency your dollars are converted with the mid-market rate with low conversion fees*. Easy.

This way to easyinternational payments

What are the alternatives for using Venmo if you don’t have a bank account?

If you don’t want to use Venmo with a bank or credit union account you can also choose to link Venmo to a credit or prepaid card, or receive direct deposits to your account.

Where these options are available they can be used to add money to your Venmo balance for use in future, shopping online or sending money to others for example.

Is it safe to use Venmo without linking a bank account?

Venmo is safe to use. Venmo is a large and trusted organization and holds all data and customer funds securely. As long as you’re careful to keep your own account details secure, you should have no problem using Venmo safely without a bank account.

What are the limitations when using Venmo without a bank account?

If you choose to top up Venmo with a debit card instead of linking a bank account, you’ll face lower limits on the amount you can add to your account. Eligible Venmo users can add up to 2,000 USD per week to their account with a debit card - whereas with a bank you can add 10,000 USD⁷.

Using Venmo with a bank is the most common option, but there are other choices out there if you don’t want to link your Venmo to a bank or credit union.

You may have others send you money, receive direct deposits, or use a credit or prepaid card instead. This guide walks through some of the most popular ways to use Venmo without a bank so you can see if any suit your specific needs.

Sources:

  1. Venmo
  2. Venmo help - bank accounts and cards
  3. Venmo help - add money from debit card
  4. Venmo help - adding a card
  5. Venmo help - adding Venmo balance
  6. Venmo direct deposit
  7. Venmo help - limits

Sources checked on 06.19.2024

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

How to add money to Venmo without a bank account (2024)

FAQs

Can I add money to my Venmo card without a bank account? ›

You've got a few options when it comes to adding money to Venmo. 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.

Can I add cash to my Venmo card at a store? ›

Tell the clerk you are looking to add money to your Venmo Debit Card. A couple of things to keep in mind: The processor charges a $3.74 fee for adding cash via this method. You will need to be able to swipe your Venmo Debit Card physically.

How do I deposit money to Venmo? ›

Adding Money to Your Venmo Balance
  1. Go to the Me tab.
  2. Tap Add Money.
  3. Select From a bank or debit card.
  4. Enter your amount and choose what payment method you want to use.
  5. Tap Add.
Jul 8, 2024

How do I add cash to Venmo at Walmart? ›

The Fee Factor: Keep in mind that there's a $3.74 fee associated with adding cash at Walmart. So, factor this cost into your decision-making process. Here's How It Works: Head to a participating Walmart store and locate a staffed register. Inform the cashier that you want to add cash to your Venmo card.

How to load money on Venmo at Walgreens? ›

To use a kiosk, select “Reload Walgreens Card” on the main screen and then insert or swipe your Venmo card. Choose how much you want to load onto your card and then complete the transaction with your debit or credit card. That's it!

Do you have to add a bank account to Venmo to receive money? ›

Money transfers can be funded with a credit card, debit card, prepaid debit card or a checking account — but not a savings account. You need a bank account to make cash withdrawals. So if you plan to receive funds via Venmo and aim to cash them out, you need to link your Venmo account to a bank account.

Can you add cash to Venmo with a prepaid 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. Please note the following: Cards may be declined by the card issuer or Venmo for funds availability or fraud prevention reasons.

Can I add cash to my Venmo account at CVS? ›

Once your Venmo Debit Card is loaded, you can use it to add money to your Venmo balance. Use a prepaid card. You can purchase a prepaid card from a variety of retailers, such as CVS, Rite Aid, and 7-Eleven. Once you have activated your prepaid card, you can use it to add money to your Venmo balance.

How do I pay Venmo in store? ›

Scan, pay, and go
  1. Scan. At checkout, scan the store's QR code (or let them scan yours — just tap “Scan” then “Show to pay” in the Venmo app.)
  2. Pay. Confirm the total and select your favorite payment method.
  3. Go. Just like that, you're good to go.

Why is there no add money option on Venmo? ›

Why can't I add money to Venmo? You might be experiencing issues due to a non-verified bank account, lack of a linked payment method, or account restrictions. Ensure your bank details are correct and reach out to Venmo support if problems persist.

Can you add money to Venmo at Dollar General? ›

Use a Venmo Debit Card.

If you have a Venmo Debit Card, you can load it with cash at select retail locations, such as Walmart, Walgreens, and Dollar General. You can also load your Venmo Debit Card from another prepaid card, such as a Netspend card.

How to pay someone on Venmo without an account? ›

Paying and requesting payment

You can also pay or request money from someone who's not currently signed up for Venmo by using that person's phone number or email address. The recipient will receive a message. Once he or she has signed up for an account, the money will be transferred/charged.

Can I add cash to Venmo at 711? ›

Buh! 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.

How much does it cost to add money to Venmo? ›

Adding money to your account
Transfer from bank account$0.00
Adding money using cash a check feature (faster check deposits, all other accepted check types)5.00% (minimum $5 fee)
Receive payments in your personal Venmo account that are identified by the sender as for goods and services2.99%
8 more rows

Can I add money to my Venmo card at Dollar General? ›

If you have a Venmo Debit Card, you can load it with cash at select retail locations, such as Walmart, Walgreens, and Dollar General. You can also load your Venmo Debit Card from another prepaid card, such as a Netspend card. Receive money from another Venmo user.

Can I send money to Venmo if I don't have an account? ›

Paying and requesting payment

You can also pay or request money from someone who's not currently signed up for Venmo by using that person's phone number or email address. The recipient will receive a message. Once he or she has signed up for an account, the money will be transferred/charged.

Why won't Venmo let me transfer money to my card? ›

There may be a restriction on your Venmo account that is preventing the transfer. Learn more about your frozen account. 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.

Can you send money on Venmo with just a debit card? ›

No hidden fees

*Venmo does not charge for sending money from a linked bank account, debit card, or your Venmo account. There is a 3% fee for sending money using a linked credit card.

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