How To Add Money to Venmo in 2024?

Venmo has become a household name in the realm of money transfer apps, renowned for its accessibility and user-friendly interface. Whether you want to pay a friend, shop online, or utilize a Venmo debit card, having money in your Venmo balance is essential. The question is, how do you add money to your Venmo account? In this guide, we’ll walk you through the various methods, share tips to avoid fees, and ensure the safety of your funds.

What is Venmo?


Venmo, founded in 2009, is a mobile payment app that simplifies the process of sending money to friends and family. With a user base of 60 million, Venmo operates similarly to its parent company, PayPal, allowing users to make transactions without the need for physical cards.

How to Add Money to Your Venmo Account

Before you can add your money to your Venmo account, you must sign up for the Venmo debit card. Follow these steps to link Venmo Debit Card;

  • In the Venmo app, tap on the “Me” tab.
  • Access your settings by selecting the gear symbol in the upper right-hand corner.
  • Choose “Identity Verification” and complete the necessary steps.
  • Once your identity is verified, tap on the “Cards” tab.
  • Select “Sign up for the Venmo Debit Card.”
  • Follow the on-screen instructions to verify information and set up your account.

With the Venmo debit card in hand, adding money to your Venmo balance is a breeze:

  • Go to the Me tab and tap Manage Balance in the Wallet section.
  • Select “Add money.”
  • Choose “From bank or debit card.”
  • Enter the desired amount.
  • Select the bank account or linked debit card.
  • Tap Add, but remember – once initiated, the transfer cannot be canceled.

Instant funding is available if you use a debit card, but bank transfers take 3-5 business days.

How to Link Your Back Account to Venmo?

Linking your bank account to Venmo is a straightforward process:

  • Visit the “Me” tab.
  • Go to the Wallet section and select “Add bank or card…”
  • Choose “Bank” and follow the verification process.

For instant verification, provide your bank login information, or opt for manual verification by entering your account and routing number.

How to link Credit or Debit Card

Adding a credit or debit card is convenient for transactions:

  • In the “Me” tab, go to the Wallet section.
  • Choose “Card” under the “Add bank or card…” option.
  • Enter card details manually or use your phone’s camera.

Note: Venmo charges a 3% fee for payments made with a linked credit card.

The Step-by-Step Guide

Adding a Visa gift card to Venmo is a straightforward process. Here’s a step-by-step guide to help you seamlessly integrate your gift card into the Venmo platform:

  1. Open the Venmo app.
  2. Navigate to Settings.
  3. Select Payment Methods.
  4. Add a bank or card.
  5. Choose Card and enter your Visa gift card details.
  6. Verify the information.

Once verified, your Visa gift card becomes a viable method for sending and receiving money on Venmo. Note that not all prepaid cards are accepted, only those network-branded and registered under your name.

How to Add Money to Venmo Card at ATM

Assuming you have a Venmo account and have already activated your Venmo card, here are the steps to add money to your card at an ATM:

  1. Find an ATM that accepts deposits (not all ATMs do).
  2. Insert your Venmo card into the ATM.
  3. Enter your PIN number when prompted.
  4. Select “Deposit” from the menu options.
  5. Enter the amount of money you want to deposit into your Venmo account.
  6. The ATM will typically give you a receipt confirming the transaction – keep this for your records.

And that’s it! Your money will be available in your Venmo account instantly, ready to be used however you like.

How to Adding Money Without a Bank Account

Here are alternative methods to add money to your Venmo account without the need for a linked bank account.

Venmo Direct Deposit: A Paycheck Shortcut

  • Option: Direct deposit of paychecks into your Venmo account.
  • Procedure: Setting up direct deposit is a breeze. The video provides a step-by-step guide for a smooth process.

Direct deposit offers a straightforward solution for those who receive regular paychecks. By routing your income directly to Venmo, you bypass the need for a linked bank account. This method ensures a constant influx of funds without the hassle of manual transfers.

Asking a Friend: A Trusted Exchange

  • Option: Have a trusted friend fund your Venmo account.
  • Procedure: Exchange cash with a friend who will use Venmo to send you money.

Sometimes, simplicity is key. If you’re fortunate to have trustworthy friends, this method opens a door to easy transactions. By exchanging cash with a friend who then transfers the equivalent amount via Venmo, you sidestep the need for direct bank involvement. However, a cautionary note is warranted.

Cash a Check Service: Debit Cards and Direct Deposit

  • Requirement: Only available for Venmo users with a debit card or direct deposit.
  • Procedure: The video outlines specific steps for cashing a check using Venmo.

For those wielding Venmo’s debit card or those with direct deposit set up, cashing a check becomes a viable option. This service caters to a specific user base, providing an additional avenue for adding funds without the necessity of a linked bank account.

Cautionary Note: Navigate with Care

  • Warning: Be cautious when asking friends to fund your account; only trust people completely to avoid scams.

While the alternatives present flexibility, a word of caution is essential. When involving friends in funding your Venmo account, exercise discernment. Trust is paramount to avoid potential scams or misunderstandings that may arise

Tips for a Smooth Experience

Utilize Quick Transfer Options

Venmo offers quick transfer options for eligible users, allowing you to access funds instantly for a small fee.

Set Up Auto-Reload

To streamline the process, consider setting up auto-reload for recurring transactions, ensuring your Venmo balance is always ready for use.

Monitor Your Limits

Be aware of your transaction limits to avoid any disruptions. Venmo provides flexibility, but understanding your limits is crucial for hassle-free transactions.


Now that you’ve mastered the art of adding money to Venmo, enjoy the convenience of seamless transactions. Follow these steps, utilize the tips provided, and make the most out of your Venmo experience. Adding money has never been this easy

Frequently Asked Questions (FAQs)

How secure is Venmo for adding money?

Venmo employs robust security measures, including encryption and multi-factor authentication, ensuring a secure environment for adding money.

Are there any fees associated with adding money from a credit card?

Yes, Venmo may charge a fee for adding money from a credit card. Check the app for the latest fee details.

Can I add money to Venmo from an international bank account?

No, Venmo currently only supports bank accounts and credit cards from the United States.

Is there a maximum limit for adding money to Venmo?

Venmo imposes certain limits on the amount of money you can add, which may vary based on your account status. Check your account details for specific limits.

What should I do if my transaction is not going through?

If you encounter issues, ensure that your payment method is valid and has sufficient funds. Contact Venmo support for further assistance.

Is my financial information safe on Venmo?

Venmo prioritizes user privacy and employs industry-standard security protocols to safeguard your financial information.

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