How do you add money to Venmo ? (A Complete Guide)


In an ever-evolving digital age, the traditional mode of payment has been replaced by payment apps like Venmo. These online payment platforms allow users to shop cashless wherever and whenever they want. 

Venmo is one of the most used mobile payment services in the United States that aims to provide a convenient platform to cater to all your digital transaction needs. 

If you’re new to the platform, this guide will help you understand its features, along with how do you add money to Venmo to start using the app. Let’s begin. 

Services and Features of Venmo

Launched in 2009, Venmo comes under its parent company, PayPal. As of now, the platform only caters to users in the United States. 

It has three main components that include: 

  • Payout (Charge)
  • Pay in (Receive)
  • Wallet 

Here is the list of services offered by Venmo, along with their cost: 

ATM Withdrawal Out of Network: $2.50

Electronic Withdrawal: $01.75%

Sending Money to People: $03.00% 

How to add cash to Venmo?

Adding cash to your Venmo account is a simple process that allows you to pay friends and family using the popular mobile payment service. Having funds available in your Venmo balance makes it easy to send and receive money from others.

One of the easiest ways to add cash is through a linked bank account. Within the Venmo app, go to your profile and tap on “Payment Methods.” Select “Add a Bank” and follow the instructions to link your Chase, Capital One or other supported checking or savings account. Once verified, you can instantly pull funds from that bank account into Venmo to increase your balance.

If you don’t want to connect a bank, you can also deposit cash at over 90,000 retailers across the U.S. To find locations near you, open the Venmo app and go to “Deposit Cash.” Select the amount you want to deposit and you’ll see nearby deposit locations like Walgreens, CVS and 7-Eleven. Bring cash along with a photo ID to the store and tell the cashier you want to deposit into your Venmo balance. The funds will be available right away.

For deposits over $1,000, you can also send a physical check by mail. Go to your Venmo profile, select “Payment Methods” and then tap “Deposit by Mail.” Enter the amount, print the pre-filled deposit slip and send your personal check along with a photo ID to the provided address. This may take a few business days to process.

Additionally, you can transfer funds from a debit card instantly for a 1% fee (minimum $0.25). Add the debit card in your Venmo account settings and then withdraw funds from that card into your Venmo balance on demand. Another option is linking a PayPal account which allows two-way transfers between the services at no cost.

No matter which funding method you choose on Venmo, all added balances are covered by Venmo’s purchase protection if used properly for personal payments to friends. Just be sure not to accept payments from strangers for commercial transactions without purchase protection.

You can add cash to your Venmo wallet without a bank account by using the four different alternatives listed below: 

  • Direct deposits
  • Check deposit
  • Credit cards 
  • Debit cards

How to add cash to your Venmo wallet via direct deposit? 

Here’s how do I add money to Venmo via direct deposit:

  • Open the Venmo app on your device and tap the ‘You’ or ‘Me’ pop-up on the screen. 
  • Visit Settings and select the ‘Direct Deposition’ option from the list. 
  • Now, tap the ‘Show Account Number’ button and copy the account number, along with the routing number. 
  • Lastly, fill out the Direct Deposit Information form by pasting the account number and other requirements. 

Once the direct deposit on your payment account gets enabled, you can easily add cash to your Venmo wallet. 

How to add cash to your Venmo wallet via debit card? 

Here is a step-by-step guide to how do I add money to my Venmo account as a Venmo Debit cardholder: 

  • Download the Venmo app and sign up.
  • Now, add your card or link your bank account after verifying the bank account details. 
  • Once you’re signed up, navigate to the ‘Me’ button on the app. 
  • Now, open the Wallet and select ‘Manage’ under the Venmo balance option. 
  • Enter the amount you would like to transfer to your Venmo account. 
  • Lastly, tap the ‘Next’ button to verify your bank account details and transfer it. That’s it, you’re done.

Why can’t you transfer the money to your Venmo wallet? 

Here are some of the common reasons that stop you from transferring money to your Venmo wallet: 

  • Make sure your device is connected to a stable and strong internet connection before transferring money to your Venmo wallet.  
  • Make sure you’ve entered the correct login credentials, along with updated details of your bank account.
  • Make sure the Venmo Cash app has your identity verification. 


This article discusses a detailed guide to how to add cash to Venmo, along with other related information. In case there’s any query or doubt, try to reach out to your bank’s or Venmo’s customer service. 

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