How to use Venmo

Updated: April 06, 2023
6 min read
How to use Venmo
by Anna Keiablo
Tech Expert & Writer
Checked by
Quality Control team

Venmo is one of the most popular financial app payment services in the US. It combines payment functions like PayPal or Wise with social aspects. You can leave comments under a payment, use emojis, and even follow friends and family here.

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It might be scary to use Venmo if you didn’t try a similar app. While in reality, this service has a user-friendly interface that you can use to split the bill, pay for your purchases, and just gift money to your dear ones. In this article, we’ve gathered all crucial Venmo instructions that help you to use this app correctly.

How to use Venmo: easy guidelines

You can sign up on Venmo via Facebook or your email and use it both on Android and iOS devices. After this, sync a credit card with the app. If you have a card from a major bank, it takes 3-5 minutes. If you own a card from a small bank, verification may take up to three business days.

To send money, type a person’s username and write how much you want to send them. Don’t forget to choose the correct privacy settings! You can do it for free if you transmit funds from your Venmo account. Those who want to pay Venmo with a card should be ready for a 3% fee.

Get started with Venmo

Use the following guidelines to link your credit or debit card to this service and work with Venmo:

  1. Open the app’s main page and tap on Sign Up. You’ll have two options: use your Facebook or give the email.
  2. Venmo will provide you with legal information on how it works. Scroll to the bottom of the page and tap on the Next button.
  3. Enter your mobile phone number to obtain the final confirmation.
  4. Venmo will send you a 4-digit code. Enter it into the box and press Submit.
  5. You’ll see the next screen where you can add your photo and change your username.

Once you set up the account, you can add your card. Go to the main screen of the app and use this instruction:

  1. Tap on the three lines in the left corner.
  2. Pick Transfer BalanceInstant.
  3. You’ll see a Bank Verification menu. If you have a card from a major bank, choose Instant Verification. If you have a card from a small bank, select Manual. In this case, your verification may take up to 3 business days.
  4. If you use Instant way, beware that Venmo uses Plaid service. Find your bank in the list and tap on it. If you can’t find your bank here, skip this step and use a Manual.
  5. Enter the card info.

How to use Venmo to pay someone

How to set up Venmo to receive money?

It’s easy to make the payment with this application. Here is the instruction on how to use Venmo:

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  1. Open the app and choose Pay or Request.
  2. Browse your contacts or search in the app to find a person you need to pay.
  3. Choose that person. Type how much money you like to transmit, and add any message.
  4. Tap on the Pay virtual button.

There is an alternative way to Venmo someone you know:

  1. Open Venmo and tap on the payment logo. It looks like a pen with a note and a $ sign.
  2. Write the username of the other person.
  3. Type the amount of money that you want to send.
  4. Choose Pay and select from which card you want to pay.
  5. Once payment is made, you will get a confirmation.

How to transfer money from Venmo to your bank account

When you accept funds from someone, it gets stored in your Venmo account. So, if you want to get that money to your credit card, follow this Venmo tutorial:

  1. Open the app and go to the Me tab.
  2. Choose Add or Transfer.
  3. Write the amount that you wish to send to another user.
  4. Select Instant (for a little charge) or Up to 3 business days (without any fees from Venmo) and choose the card.
  5. Confirm the details and select the Transfer button to verify the transaction.

How long does it take to send money on Venmo?

It’s one of the most popular questions among those who decide to do Venmo. If you transmit funds between 2 Venmo users, the recipient gets the money instantly. But if you want to withdraw money from Venmo or send cash from your card to others via Venmo, you may pay a small fee. If you want to withdraw money to your account without fees, wait for 2-3 business days.

Cost of Venmo services: how much does it cost to use Venmo

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Do you need to pay when you use the Venmo app? If you use Venmo for internet purchases, you won’t pay any fee. Send funds to other Venmo users freely. But you may get some charges when:

  1. You use a card to move money to other users through Venmo. You will pay a flat 3% fee.
  2. Standard transfer service. You’ll pay 1% when you send funds from the Venmo account to your card with Instant payments.


How do you Venmo someone?

Open Venmo and tap on the payment logo. It looks like a note with a dollar sign. Write the username of the person, and tap on it to select. Type how much money you want to give to them, add a note, and tap on Send.

How do I use Venmo to send money to my card?

Open settings, and choose Transfer Balance → Instant → Bank Verification. If you have a card from a major bank, tap on Instant. If you have a card from a small bank, select Manual. Enter your credit card info and wait for a confirmation of the card verification.

How to set up Venmo to receive money?

Log into Venmo with Facebook or email. Type your full name (it should be the same as in a bank credential), email, and phone number. Create the username and share it with other Venmo users.


As you see, Venmo is a user-friendly financial application. If you have a credit card from a major bank, you can add it to Venmo within minutes. If you have a card from a small bank, verification may take a few business days.

If you want to send money to another person, you should know their username, phone number, or email. You won’t get any charges for sending cash from your Venmo to another account. If you want to pay straight from your credit card, you’ll pay a 3% fee.

You can withdraw Venmo anytime you want. If you are ready to wait for 2-3 business days, you pay no fee. But if you don't want to wait, prepare for a 1% charge.

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May 28, 2023
Still prefer other payment methods. 😕
May 24, 2023
Easy to follow instructions! 😊🙌
May 21, 2023
I'm grateful for this guide! 💖🙏
May 17, 2023
I used to be intimidated by Venmo, but this guide broke down the process into simple, easy-to-follow steps. Now, I can use it confidently for any situation.
May 13, 2023
The guide was helpful, but I still had trouble navigating Venmo. The app could be more intuitive.
May 10, 2023
Good to know how to use Venmo, but I don't use it often.
May 06, 2023
Thank you, finally understand Venmo! 🥳🤗
May 02, 2023
This article made using Venmo a breeze for me. The instructions were clear, concise, and perfect for every life occasion.
April 28, 2023
Informative article, but I still prefer other payment apps.
Grace Wilson
April 25, 2023
Awesome Venmo guide! 🎉👏
April 21, 2023
Despite the instructions, I'm still not sold on using Venmo. It seems like there are more secure and easier-to-use alternatives out there.
April 17, 2023
I followed the guide, but I still find Venmo confusing. It doesn't seem as user-friendly as other payment apps.
April 14, 2023
Venmo made simple, thanks! 🌟✌️
Sophia Davis
April 10, 2023
A useful guide for new Venmo users.
April 06, 2023
Nice explanation, but I'll stick to cash transactions.

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