How to pay someone on Venmo without an account

Venmo is fast, flexible, and a unique platform to send and receive cash between your family and friends. It’s quick to set up and works with most banks. With Venmo, you can transfer cash from your bank account, debit, credit, and prepaid card. What’s more, it lets you buy, sell and hold crypto for as low as $1. 

Not only is it loaded with on-sleazy features, but it also provides robust security to protect your account. But can you pay or send money to someone on Venmo without a bank account? The answer is you can. 

The platform allows you to link your debit card and credit card to send and receive money. So without adding a bank account, you can move your funds to someone else account as usual.

But before you jump to add your payment methods, we’ll dig deep and break down things a little bit.

Can you pay someone on Venmo without a Venmo account?

It is a prerequisite to answering such questions, so you don’t get bewildered later. So do you need a Venmo account to pay any Venmo user? Yes, you do. 

Without a Venmo account, you can’t even access your contacts and know who uses the app. The parties, sender, and recipient must have the Venmo app installed on their device with a verified payment source. 

Both parties don’t need to have the same payment method. That means anyone can send funds from debit to the credit card or bank account to credit card or miscellaneous. However, the only major requirement is that users must be a citizen of the United States. 

Requirements to use the Venmo app

  • You must be a resident of the United States.
  • You must have a U.S cell phone with which you can receive shortcodes and send and receive SMS. 
  • Your age must be at least 18 years to verify your identity. 
  • You must have the latest Venmo app. 
  • You must have a bank account, debit card, or credit card issued in the U.S.

How to pay someone on Venmo without an account?

If you have no bank account, you can still send money through Venmo using your debit, credit, or Prepaid card. You only need to make sure you have a Visa/Mastercard debit card issued in the United States. 

To send payment, your debit/credit card has to be confirmed first, and then you can easily send and receive funds. If you link a debit card, you won’t have to pay any transfer fee, but credit card transfers are subject to a 3% fee. 

Another way to pay someone through Venmo is via Venmo balance, which we’ll discuss later. 

Send Money on Venmo via Debit card or Credit card.

Venmo allows you to add debit and credit cards to transfer and receive funds between your contacts and friends. Besides, you can make a payment on stores that access Venmo. If you have a Mastercard/Visa debit card or credit card issued in the United States, you can add it to the app and activate transfers. 

There is a $299 monthly transaction limit for non-verified users, while users with a verified account can send up to $4,999 per month or $2,000 weekly. There is no restriction on how often you can send funds to somebody as long as the Transfer limit is concerned. 

As far as the fees are concerned, Venmo incurs 3% fees for every credit card transfer, whereas it levies a 1.5% instant transfer fee, which is surely a hole in its offerings. 

However, there is no fee for making online payments or monthly account management. 

How to add a debit or credit card on Venmo?

Adding a physical card on Venmo is straightforward, as you don’t have to drill into settings and get involved in paperwork. Ensure you have a valid swipe card before entering details and verification. 

  • Go to the Website: or app.
  • Sign in to your account. 
  • Tap Settings.
  • Under Settings, tap Payment methods.
  • Under Payment methods, tap Debit or Credit card.
  • Now add card details (Card number, expiration date, security code, and Zipcode.)  
  • Review and click on Add to link your card. 

That’s how to easily add an ATM or swipe card to Venmo with a step-by-step method. You can add up to 4 active cards under your name for a rolling limit of six months. If the card is not blocked or is valid, you won’t face any issues adding it. However, sometimes you need to make sure everything is fine on your side to be able to add a card without any problem. 

Pay someone on Venmo using a Prepaid card or gift card.

Venmo is not limited to bank accounts, debit, or credit cards. Users are free to use a prepaid or stored value card to send, receive and withdraw cash. Besides, it lets you use network-branded cards such as American Express, Visa, Mastercard, and Discover. Please note that using a prepaid card may charge a monthly fee. 

Hence, We don’t prefer using a prepaid card unless you’ve one with an extra advantage. Since it requires high maintenance, this payment option is not something you can replace with traditional banking options. 

How to add a Gift card to Venmo?

  • Go to the Website.
  • Log in to your account and Tap settings.
  • Now tap Payment Methods.
  • Tap “edit payment methods.”
  • Select the “Add debit or credit card.” option,
  • add card details and click “Add.” 

Pay via Venmo balance. 

You can deposit funds into your Venmo account and use that fund to send and make payments. You can also apply for a Venmo Mastercard debit card for free and spend your Venmo balance everywhere where the MasterCard is supported. 

However, you need to reload your account via any of your payment methods. The platform provides an instant transfer option (charges fee) and a standard option that may take 2-3 days to reflect a balance. 

How to add money to Venmo?

  • Launch the app.
  • Press the hamburger icon located in the top right corner. 
  • Tap Manage Balance.
  • Tap Add Money.
  • Enter the Amount you want to deposit and hit Add Money. 
  • The app will pull money from your default bank account or linked cards (It can be changed). 

When you pay someone, Venmo will pull your Venmo balance first, and if it is not adequate, it will take it to your bank account.  

Wrapping it Up 

This is how you can pay someone on Venmo without a bank account. Unfortunately, the company doesn’t let you transfer funds without a Venmo account or to non-Venmo users. We’ve piled up many ways to help you transfer funds with Venmo. 

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