Let’s Unravel How to Add Money to Venmo Without Bank Account

September 29, 2023

Are you searching for how to add money to Venmo without bank account? You need not worry; sit back with a cup of tea and skim through this article. It is one of the most famous payment applications which enables one to make payments securely and hassle-free.

The most remarkable feature of it is that you can make use of Venmo balance to make payments to other apps and to someone close, which is quite a rare feature of the app. There could be one more fact about it that could raise your curiosity. Do you want to know? Oh, I heard a yes! 

This payment app has been specifically owned by PayPal since 2013. If you face difficulty in finding your existing contacts, in that case, this app could be a life-changer as it automatically syncs contacts from your phone or Facebook. And its security feature of data encryption is a plus point.

What Services and Features Does Venmo Provide?

In today’s digital world, mobile and the internet play a significant role in connecting people. You can make payments anytime and anywhere. With digitalization coming in, hard cash is being discarded by many people, and digital payments are in. And with the wake of the epidemic, cashless payments have become the new common. 

So, that is why this trend is here to stay. Launched in 2009, it was then taken over by renowned PayPal owners. As of now, it is only available in the United States. 

Three key components of Venmo which set it apart:

  • Payout (Charge)- It is where you get your Debit and Credit Card registered.
  • Payin (Receive)- It is where you register your Bank account credentials. So, your deposits get enabled.
  • Wallet- Where money is stored.

Till today, Venmo payments are accepted around the globe with nearly 83 million users. This truly testifies to the craze of this app in the U.S. market. Have you ever been out with your friends and family for a get-together, trip, or a movie, along with dinner? Or felt awkward asking your friends to split a bill for the expense incurred?

Definitely, you would have been if you liked to socialize with people. So, Venmo’s breeze-fare feature can be a go-to feature for you. Confused? What does that mean? It is a special feature that doles out any payment into a breeze fare, movie bills, trip bills, cab fares, and many more. 

There are several features and services which this app provides. After that, readers will get a clear picture of how to use Venmo balance.

  • ACH Payment Processing 
  • Data Security
  • Electronic Payments
  • Venmo Teen Debit Card
  • Promotions Management
  • Venmo Credit Card
  • In-person Payments
  • Venmo Debit Card
  • Mobile Payments
  • Transaction History Tracing
  • Point of Sale 
  • Partial Payments
  • Payment Processing
  • Promotions Management
  • Online Payment
  • Reporting/Analytics

In order to enjoy these mind-blowing features of the app, you can make your valid account by entering your valid credentials.

In the month of May 2023, this app made some alterations to its fee structure for using its app. Let’s just get into the latest price for different transactions at a glance. Look at the below table for getting a clear picture of the service and its cost.

ServicesCost in $
ATM Withdrawal Out of Network$2.50
Electronic Withdrawal:
StandardInstant Transfer

$01.75%(min. $0.25/max. $25)
Sending Money To People:
Using your balance/debit card/bankUsing your credit card


This table specifies all the minute costs which a customer has to pay for accessing different features on this website or mobile app.

Fee Structure of Venmo

Users have reported that these features work well on Venmo’s mobile application. If you have noticed, this app is quite cheap compared to its competitors in the P2P industry. So, it is beneficial to learn how to put money in Venmo. Both of these features will save you a lot of pennies.

How to Add Cash to Venmo Without Bank Account?

Don’t want to link your bank account to Venmo? Need not worry; you can still learn how to add money to Venmo without bank account.

You have four alternatives for a bank account for appending to the Venmo account. Let’s look at them:

  • Direct deposits
  • Check deposits
  • Credit cards.
  • Debit cards.

These are the only four options for accessing this payment app without a bank account. Credit card and debit card transactions will be investigated solely in the next section of the article. For now, let’s dig into the other two alternatives first.

How to Add Cash to Venmo Via Direct Deposit?

Adding money to this app via direct deposit is closely related to how to add money to Venmo without bank account. You can directly add money to this app’s account using the direct deposit method.

Let’s step by step and gain a grasp of this process:

  • Open the Venmo app on your Pc or Smartphone.
  • Then tap on “You” or “Me,” whichever pops up on the screen.
  • Scroll to “Settings.” And select the “Direct Deposit” option.
  • Next, select the option “Show Account Number.” Press Ctrl+V to copy “Account Number” and “Routing Number.”
  • Paste all details on the Direct Deposit Information form.

After this process, direct deposit on your payment account got enabled, and your employers can directly deposit money in your account. This is one such approach for how to add money to Venmo without a bank account.

How to Add Cash to Venmo Via Check Deposits?

This is the second approach to adding balance to Venmo without the direct intervention of the bank or linking your bank account. All you need to do is follow these nimble steps without missing any one of them. Are you ready? Let’s walk through them:

  • Open your Venmo account on the web or mobile app.
  • Then tap on “Manage Balance” and try to locate “Cash a Check” on the screen.
  • You will be taken to a page where you will be asked to enter the amount of money you want to add or deduct.
  • Then you have to e-sign the check in order to continue.
  • In the final step, you need to submit clear photos of the check from both sides.

After completion of this process, your fund’s transfer will be initiated. The cheque might take 7 to 10 days to get cleared and show in your Venmo balance.

Through these two approaches in detail, I believe I have resolved your question about how to add money to Venmo without bank account. If you still have any queries, you can connect in the comments section.

How Do You Add Money to Venmo?

Finally, your wait is over; let us dig into the main technicalities of how do you add cash to Venmo through different methods. You are being served with the top three methods of doing so.  Are you ready? This section will require your cavernous attention. 

Method 1: Add Cash to Venmo by Bank Account

There are several ways to add cash to Venmo, but this is one of the straightforward methods of doing so. So, let’s explore this layer by layer. When it comes to adding cash to Venmo, it is identical to PayPal, Cash App, and Saving bank accounts. All you need to do is connect the app to your bank account.

The best technique that a user can exercise is transferring directly from their bank account.

Process of Transferring Fund

Everything comes along with its positives as well as limitations. So, there is one limitation to this, you need to be a holder of a Venmo debit card if you want to transfer cash from your bank account to your Venmo balance. Now, let’s apply and receive Venmo Mastercard before enabling direct transfer from the bank account.

Let’s dig into these three simple steps:-

  • Open Venmo mobile app or the website in a secure browser.
  • Move to the “Pay with Venmo” tab and scroll down to Venmo debit card and single-click on it.
  • All you need to do now is click on “Get Started” and fill in and follow all the instructions mentioned in this process.

Note: You will receive Debit Card within 10 working days at your address.

Once you receive your Venmo Debit Card, then you have to link your bank account with this app’s account or balance. Do you want to know how to do it? Continue reading it to discover easy-to-use steps:

  • Once you open this app, you will find a “me” or “you” tab; click on it. Then scroll through the settings menu.
  • From the settings menu, slide through, and you will find “Payments Method” and then click on “Add Card”.
  • Fill in your valid credentials and choose a verification method.

Venmo makes use of a third-party verification method named Plaid, like Crypto.com. It has encrypted technology tangled around it. It verifies users’ identity and whether they have enough balance to initiate a payment or not.

  • Before verification, you must have a minimum balance of $2.
  • Once verified, you can make a single transaction of up to $2000.
  • Users are allowed to make transactions per week up to $4,999.99.

When you successfully complete both verification and debit card generation, then you are ready to initiate and execute transactions from your account. Let’s learn how to put money in Venmo in a few effortless steps:

  • Once you open the app, you will see a tab by the name “me” or “you.”
  • Go to the “Manage Balance” tab.
  • In the personal feed, which will appear at the top of the screen tab on the “Add money” or “Add or Transfer.”
  • Manually enter the amount you want to transfer and click on done.
  • Verify from which account you want to transfer.
  • Once you are sure about everything, click on “Add Money.”

Note: The transfer from a bank account to the Venmo balance will take two to five business days. And if it doesn’t happen in this time frame, you can connect with customer services at (855) 812-4430.

Method 2: Add Cash to Venmo by Debit Card

The second and most commonly used method of payment for how to add cash to Venmo is to attach your debit card to your account. What is astonishing for readers is that you can make payments even if your Venmo balance is zero or negative. All you need to do is link your debit card from the bank to Venmo’s account. 

Venmo Debit Cards

Then you might ask how to do it. Readers can easily transfer money to their friends and family through the linked method. But the peculiarity involved in it is that your amount payable should exceed the balance present in this P2P app.

Let’s just walk through the process of linking your debit card with your Venmo account:

  • Open the app in a secured browser or from the downloaded Play Store version of the app.
  • Amidst the setting menu, try to figure out the “Payment Menu” and click on it.
  • A tap will pop up on the screen of Add Bank or Card. Select “Add card” among them.
  • The final step is to add valid card information or make use of the photo scanning feature.

Many readers might have a question in their heads about how to add cash to Venmo using a debit card. You can only make direct payments with a debit card if you possess the authority of a Venmo debit card.

If you are a holder of a credit card then this section of the article will acquaint you with how to use it for direct payment, below are some steps to follow:

  • Locate the payment icon on the home screen.
  • From the various available options, add a recipient.
  • Select your card as a payment option.

If there is a scarcity of funds in your Venmo account, your debit card will automatically become a backup source of payment for this app.This is the third approach for how to add money to Venmo without bank account.

Method 3: Add Cash to Venmo by Credit Card

If you are someone who prefers to purchase or make payments through credit, then this is the best method for you. This method will resolve the issue of how to add cash to Venmo.

All the steps which we followed for the debit card are the same as what we need to practice for the credit card. But what could be a point of concern, in this case, is that this app levies 3% on credit cards as a source of the transaction. 

Venmo Credit Card

You cannot add money directly to this app unless and until you have a Venmo Visa Credit card. These methods are officially universally acknowledged for providing a solution to how to put money in Venmo. 

Let’s investigate a handful of other ways of ‘how do you add money to Venmo’. Before that, have a glass of chilled water, isn’t it getting boiling? You must hydrate yourself first and then let’s continue with your quest. 

Additional Ways for ‘How to Put Money in Venmo’

There are not only three official ways of how to put money in Venmo, you could also employ some additional ways as well. Let’s delve deeply into this topic.

Direct Deposit

One of the most usual questions are: How do I add money to my Venmo account? Are you a verified Venmo user? If so, in that case, you can undeviatingly transfer your salary into this digital wallet. 

Then one question might pop up about what steps to follow for direct deposit. Below are some steps to follow for an unmediated deposit.

  • Firstly, go to the “you” or “me” tab.
  • Then move to the “Settings”.
  • Scroll down to “Direct Deposit”. After this process, an account will show up with varied details. You can share some significant information with the employer.

It is advisable to use FDIC’s (Federal Deposit Insurance Corporation) insured bank because it gives insurance of up to $250,000. Venmo has partnerships with banks like:

  • Wells Fargo Bank
  • The Bancorp Bank
  • Customer Service Ctr.
  • Wilmington, DE 19809

Cheque Deposit

Do you know what is the most uncomplicated method of how to add cash to Venmo balance? It is through a bank cheque. But for this, you must possess a valid MasterCard for this app. 

Follow the below steps for a cheque deposit:

  • Tab “me” or “you” whichever is available.
  • Click on “Manage balance”.
  • Among the available option, select “Cash a Check”.
  • Enter the sum of the amount.
  • Take a pic of the front and back of the cheque for the verification process.
  • The maximum amount you can deposit in a month is $5000. And you have a limit of $15000 a year on deposits. Moreover, your minimum cheque deposit should be $5.
  • Cheque verification usually takes time in between seconds to 20 minutes.
  • It will take more than 10 business days to show the cheque deposit to showcase in your Venmo account. But with their special feature if you pay a nominal charge then it could be preponed by a few days.

If you are a salaried person, this could ease your life by making payments easy. 

Venmo Debit Card Reload

Many of you might be introspecting can you add cash to Venmo card. Indeed you can, but it is quite a bumpy road ahead. You most likely be aware that your Venmo account needs to be linked with your account. In that case, if your purchases transcend your app balance, in that case, it would be directly deducted from your bank account.

What might be a great deal of disappointment for several users is that this app levies a $5 charge on each transaction.

For Example: If you purchased chocolates worth $85. And your payment app had a balance of $10%, in that case, you will be charged $80 from your bank account instead of $75. You will be charged an extra $5 for maintaining a minimum balance of $5. This will be directly added to your app’s balance.

Follow these simplified steps to turn on reloads:

  • Open this payment app on a trusted browser.
  • Scroll downwards and at the end of the website locate the “Pay With Venmo” tab and select Venmo Debit Card from the given option.
    Pay With Venmo Tab
    Venmo Debit Card1
  • Click on the Debit Card image or scan the code to get started. 
    Scan Code for Credit Card
  • A notification will pop o your screen of reload off or on, you can change the settings according to your preference.

Note: It is not necessary to add cash to the balance to make use of Venmo.

Ask a Friend

Are you really true friends if you don’t help each other? Many of you would say no. You can give try to ask a friend method under which you can request your friend to send you money to your payment account, similarly, your friend can activate payment and receiving mode through the app settings.

Note: You can easily be deceived, so, only use this feature with your trusted family and friends.

I feel you would be satisfied with the additional ways how to put money in Venmo. Do try to put these methods into practice and let me know in the comments section.

How to Use Venmo Balance?

There are multiple ways how to use Venmo Balance. But which option to opt for solely depends on the choice of users. Now let us dig deeper into this section.


Are you a verified user of this app? If yes, in that case, you can buy, sell and store cryptocurrencies like Bitcoin, Ethereum, and Litecoin. But transactions will incur charges according to the type of cryptocurrency and the network. This way you can utilize your balance present in this app. 

You can also add a Venmo balance without a bank account and use it for purchasing cryptocurrencies. Just skip to how to add money to Venmo without bank account section of the article for a more clear picture.

Crypto on Venmo

Note: On every transaction, this app charges 2% transaction fees, depending on the holding sold or purchased.

Merchant or Mobile Apps

You can check out the mobile apps and merchant apps using this app’s balance. Merchant apps are the apps that are publicly available through which merchants receive payments. Eg: the BHIM app, Google Pay, and Phone Pay.

If you link Amazon App with a Venmo account, you can also make use of its balance.

Transfer and Collect Funds 

The best function that this app’s balance could offer is it helps in the transfer and collection of funds. If your bank account is linked with your Venmo account then whenever someone sends money to your account through email, mobile app, or bank account first receive it in your app’s account. You can easily transfer and collect it into your bank account.

QR Code

Add cash to your Venmo account and make it the default app for making payments in different convenience stores, markets, and many more places with a contactless QR code scanner option. This app facilitates sending and receiving money by scanning the QR code appropriately. 

These are some ways how to use Venmo balance in the most useful way.

Final Words

I feel now you all are cognizant of ‘how to use Venmo balance’ in a flourishing way. The app has different master cards, a refined way of instilling money in its account. This is one of the easiest and quickest methods for inculcating money flow. Try these methods out and let us know your views in the comment section.


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