How to Withdraw Money from Venmo Without a Card

Venmo User Guide- How to Withdraw Money from Venmo Without a Card

If you use Venmo, you’ve undoubtedly wondered at least once how to withdraw money from Venmo without a card—especially if you forgot your card at home or forgot to order one.

The bad news is that Venmo does not work with cardless ATMs. You can always find some good options, though. So let’s look more closely.

Cash withdrawals without an actual card are not feasible with Venmo because it lacks the necessary features. You can still get your hands on it, though, despite that. So let’s examine how in the sections that follow.

Venmo: What is it?

A mobile application called Venmo enables peer-to-peer money transfers easy and affordable (or free). You cannot transfer or receive money using a desktop computer because the app is only for mobile devices. However, the software allows you to transfer money via iMessage and unique emoticons.

Venmo aims to make it easier for customers to deal with split checks and other circumstances when money needs to be exchanged. You may use Venmo to split a cab fare with a pal, reimburse a coworker for happy hour drinks, or even send your roommate their share of the rent.

Nobody has to carry cash around any more thanks to Venmo, and nobody can use an excuse not to pay their fair share.

How Does Venmo Work?

You must create a Venmo account in order to send and receive money using the service. You can do this using the Android or iOS app. To send, receive, and make purchases with Venmo, you must use the mobile app; there is no online browser alternative.

Let’s now examine the primary uses of Venmo.

Send money to loved ones. Since Venmo is a peer-to-peer money transfer service, you can use it to give your loved ones electronic payments. For instance, if you order takeout with your pals, one person can cover the entire order, and everyone else can reimburse them via Venmo. Even to ask for money from others, you can use Venmo. For instance, if you loan money to a sibling, you can use Venmo to request payback from them. To divide the cost of shared home expenditures, roommates frequently use Venmo.

Make online purchases. It shouldn’t surprise you that many online retailers accept Venmo as payment since Venmo is owned and run by PayPal. You could have the choice to pay using Venmo if you see a PayPal button throughout the checkout process. On their checkout pages, some shops even have a Pay With Venmo button. There are no costs when you use Venmo to make online purchases, whether you use a credit card or not.

Money transfers can be funded with credit cards, debit cards, prepaid debit cards, or checking accounts, however savings accounts cannot be used to finance your Venmo account.

If you intend to receive money via Venmo and want to cash it out, you must link your Venmo account to a bank account because you need one to make cash withdrawals.

How Much Does Using Venmo Cost?

Use of Venmo is expensive? Do you need to be mindful of Venmo fees? Even if you pay with credit, there are no fees when you use Venmo for online purchases. If your transfer is supported by a balance on your Venmo account or a debit or prepaid card, you can also send money to friends for no cost.

When you’ll have to pay to use Venmo

Transfer service standard: To rapidly transfer money from the app to your bank account, you will pay a normal cost of 1% (ranging from $.25 to $10). Although you won’t get your money for up to three days, you can also transfer money for free to your bank account.

Credit card transfers: A flat 3 percent fee applies when sending money to others using a credit card. It’s also important to keep in mind that certain credit card companies classify these peer-to-peer transfers as cash advances, which could subject your transfer to cash advance fees and interest rates.

How to Get a Venmo Debit Card

Now that we are aware that getting money through Venmo requires a debit card rather than having or connecting a bank account, let’s look at how to purchase one.

Open the Venmo app and select the Venmo Card tab to get started. Tap Choose your card’s color after obtaining the Venmo card. There are five different hues available. Please now enter your first and last names, birth dates, and the last four digits of your SSN.

Click Next after accepting the terms and conditions. Enter your delivery address on the next screen; it must be your home address, not a P.O. Box or a workplace location.

Additionally, you can add a bank account to have the card automatically reloaded. If you don’t have enough money in your Venmo balance to pay for your purchase, reloads will be made in $10 increments.

When you don’t have enough money in your Venmo account, you can use this handy method to avoid embarrassing yourself in front of the cashier and having your card denied.

Check all the information once more, then press Submit. Tap Next when the app has verified your identification, and you’re done. Your Venmo debit card, which enables bankless money withdrawals from Venmo, was successfully ordered.

You should be aware that Venmo may occasionally request to see a copy of your driver’s license or another form of identification.

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How Long Do Venmo Payments Take to Arrive?

You must create a Venmo account in order to receive money from it. You can then accept payments from other people there. A linked bank account can also be used to transfer funds to your Venmo account. You can arrange a transfer to your bank account to withdraw funds from your Venmo account.

The speed at which money can be sent and received is one of Venmo’s key advantages. Any money you receive from someone else may typically be accessible quickly once your Venmo balance is set up (a few hours to a few days). However, if a recipient has recently created a Venmo account for the first time, it can take a few days before they receive their money.

For a 1 percent fee (with a $0.25 minimum and a $10 maximum), you can instantaneously transfer money from your Venmo account to your bank account. Although free, standard bank transfers take one to three business days to complete.

How to Withdraw Money from Venmo Without a Card
How to Withdraw Money from Venmo Without a Card

Your bank account and the Venmo app are linked. It was connected to the bank account. It syncs with the bank account and deducts funds whenever you need to transfer or withdraw money. It can also be connected to a debit or credit card.

So, by synchronizing the app with the bank account, you can withdraw money without a Venmo debit or credit card.

You can still acquire cash from your Venmo account if you don’t have a card to use at an ATM. To do this, you must first transfer your funds to a bank account before using that card to make an ATM withdrawal. Make a bank transfer

  • Register with your account.
  • Visit the “Me” tab.
  • Select the Add or Transfer button located beneath your profile photo.
  • The amount you want to transfer should be entered.
  • Select the transfer mode you prefer (Instant Transfer or Standard Transfer).
  • Look at the transfer information.
  • Type the pin.

To complete the transaction, click the Transfer button.

Is Using Venmo Secure?

Is it safe to use Venmo? Yes. In order to protect your money and account information, Venmo uses encryption. Multi-factor authentication is also used to verify your identity and add an additional layer of security. In fact, the app allows you to create a special PIN number that might help make sure only you use your Venmo account to transfer or receive money. You may access additional security measures in the Venmo app, such as Touch ID login options.

Having said that, there are Venmo scams, so you should be aware of them so you can stay away from them. On Craigslist and Facebook Marketplace, where buyers and sellers can be duped by dishonest Venmo users, many Venmo frauds have their beginnings. Only send money to people and businesses you know and trust on Venmo to prevent fraud.


  1. How much time does it take to withdraw money through Venmo?

Receiving funds through Venmo typically takes seven to ten business days.

  1. How to transfer money to yourself via Venmo?

You can add money to your bank account, credit card, debit card, or Venmo account to send money to yourself. The Venmo debit card allows you to make cash withdrawals from ATMs as well.

  1. How may money be transferred from Venmo to a bank?

Your bank also has access to the funds in your Venmo account. You can immediately visit the bank and withdraw the money whenever it’s convenient for you.

  1. How do I add money to my debit card from my Venmo balance?

You must have a debit card in order to transfer funds from your Venmo balance to your debit card. You can apply for one from the app’s card area if you don’t already have one. Once you’ve applied, you can use your Venmo Debit card to withdraw cash from any ATM in the country.

Final Thought,

How to withdraw money from Venmo without a card? Money can be easily received or sent with a Venmo account. It can be much simpler to utilize Venmo if you have a bank account connected to it. However, you should be able to send and receive money using a Venmo debit card without connecting your bank account. There are numerous secure methods to receive or send money if you wish to avoid using the Venmo app.

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