The fun and easy way to send, spend, and receive money

Make payments using your debit card, credit card, bank account, and more

Track all your payments in one place, and split or share with Venmo friends

Apply for a Venmo card and take Venmo shopping everywhere Mastercard® is accepted in the U.S.

A quick look at our fees

Venmo doesn't charge for basic services like:

Sending money from a linked bank account, debit card or your Venmo balance.

Receiving/withdrawing money into your Venmo account or using our standard transfer to your bank account.

Venmo also has NO monthly or annual fees. There are some fees for premium features and other services. These are detailed below.

  • Monthly fee
  • Per purchase
  • ATM withdrawal
    $0.00 in-network
    $2.50 out-of-network
  • Cash reload
ATM balance inquiry (in-network or out-of-network)$0
Customer service (automated or live agent)$0
We charge 3 other types of fees. Here are some of them:
Electronic withdrawal (standard or Instant)$0 or 1%* (min. $0.25)
Sending money to people (balance/debit/bank or credit)$0 or 3%

* This fee can be lower depending on how this account is used.

No overdraft/credit feature.
Your funds are eligible for FDIC insurance if you are a Venmo cardholder and you have set up Direct Deposit.

For general information about prepaid accounts, visit
Find details and conditions for all fees and services in the Venmo Account Long Form, which can be accessed at

A deeper look at all Venmo account fees

Opening and holding an account
Account setup$0.00No fee to setup an account.
Monthly fee$0.00No monthly fees.
Spending or sending money
Online purchases$0.00No fee for online purchases.
Sending money to people (using your credit card)3%There's a fee for sending money to people using your credit card.
Sending money to people (using your balance/debit card/bank)$0.00No fee to send money to people using your Venmo balance, debit card, or bank account.
Sending money to people with the Venmo Purchase Program (using your balance/debit card/bank)3%There’s a fee for sending money to people through the Venmo Purchase Program.
Adding money to your balance
Transfer from bank account$0.00No fee when you link your bank and use it to add money to your Venmo account.
Receive money from Venmo users$0.00No fee for you when Venmo users send you payments with Venmo.
Receive merchant refund$0.00No fee for you when a merchant sends you a refund.
Transferring money from your account
Electronic withdrawal (standard)$0.00No fee to transfer money from your Venmo account to your bank account with the standard option. The money is typically available in 1-3 business days.
Electronic withdrawal (Instant Transfer)1% (minimum $0.25 fee, maximum $10 fee)There’s a fee to transfer money from your Venmo account to your eligible linked debit card or bank account with the Instant Transfer option. The money is typically available in minutes.
More information
Customer service (automated)$0.00No fee to call our automated Customer Service line.
Customer service (live agent)$0.00No fee to call a Customer Service agent.
Real-time alerts$0.00No fee to receive real-time alerts on your phone. Standard text message & data rates may apply.
Account statements$0.00No fees for CSV copies of your account statements.
Transaction declines due to insufficient funds$0.00No fees for declines due to insufficient funds.
Using the Venmo Mastercard® (optional)
Venmo card acquisition$0.00No fee to get a Venmo card.
ATM withdrawal (in-network)$0.00No fees for ATM withdrawals in the MoneyPass network. Find no-fee ATMs near you at
ATM withdrawal (out-of-network)$2.50There's a fee for non-MoneyPass ATM withdrawals. You may be charged an additional amount by the ATM owner even if you don't complete a transaction.
ATM balance inquiry$0.00No fee to check your balance at an ATM. You may be charged a fee by the ATM owner.
Over-the-counter cash withdrawal (bank and other financial institution)$3.00$3.00 per signature withdrawal if a signature is required to obtain cash. You can withdraw cash at the counter inside participating bank branches or other financial institutions. The fee is charged per signature withdrawal if a signature is required to obtain cash.
Automatic reloads (using your bank account)$0.00No fee for reloading your Venmo balance when your Venmo balance is insufficient to cover a purchase made with your Venmo card.
Card replacement$0.00No fee to replace your lost or stolen Venmo card.

Not FDIC insured.

No overdraft/credit feature.

Contact Venmo by calling 1-855-812-4430, by mail to Venmo, 117 Barrow Street, New York, NY 10014, or visit

For general information about prepaid accounts, visit If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit

Venmo accounts are issued by PayPal, Inc.