Genuine Way To Pay Someone On Venmo Without An Account

how to pay someone on venmo without an account

Venmo is a money payment service that allows people to send and receive money. PayPal developed the platform to help people share bills in restaurants and other places requiring similar payment methods. With a Venmo account, you can easily send money to someone else with just a few taps on your smartphone. In this article, you will learn how to pay someone on Venmo without an account.

Venmo requires you to open an account to make various kinds of transactions. Opening a Venmo account is usually done online, whereby you have to visit the company’s website to carry out the opening process. It would help if you started opening an account when you have everything in place, including opening a Venmo account. Since the platform only operates in the United States of America, you should be a US resident to carry out the account opening process.

During the account opening, you will need to download the Venmo application from various sites. The application is available on the Google Play Store for Android smartphones and tablets and in the App Store for Apple devices running on iOS. For your information, the service does not have a Windows app. You may also decide to open your account directly from the web using your computer since it is acceptable. Whichever the case, you will still get your account running.

Process To Open A Venmo Account

You can easily open your account online using any of the applications mentioned above. It takes a few minutes to set your account into operations. The following is the process to get started.

  • Download Venmo mobile app from iOS & Android.
  • Open the app.
  • Decide your sign-up method and come up with a secure password of between 8 and 32 characters long.
  • Enter and verify your mobile phone number and email address.
  • Add your bank account.
  • Verify the added bank account.

As soon as your details are verified, you will have your account running. The bank account added will help you to fund your transactions if you have an insufficient balance. To transfer money from a bank account to Venmo, you must add the bank’s details to link the two platforms, including the account and the routing number. The process requires you to log into your Venmo account, then navigate to add money.

Requirements Needed To Open A Venmo Account

how to pay someone on venmo without an account

For you to open a Venmo account, you must meet the following.

  • You must be physically living in the United States.
  • You should have a US cell phone and phone number to send and receive text messages from shortcodes. Make sure that the phone number is not registered with another person.
  • You must be at least 18 years old or the majority age in your state of residence.

Later on, you may need to provide your identification document and Social Security number to enjoy all the benefits.

The Procedure To Add A Bank Account On Venmo

You can add a bank account, debit, or credit card to Venmo only that you cannot add other mobile wallets. For example, to transfer money from Venmo to Cash App, you will not add Cash App to Venmo. You will transfer money to a bank account linked to Venmo and Cash App, then transfer money from the bank to Cash App.

Adding a bank account on Venmo is very easy since you can do it right from your phone. The following is the process to add a bank account.

  • Open your app to log in.
  • Navigate to the “You” tab by tapping the single person icon.
  • Hit the “Settings” tab in the top right
  • Hit on the “Payment Methods”
  • Hit “Add a bank or card.”
  • Select “Bank”
  • Choose your preferred verification method.

You can also add a debit card instead of a bank account and use it on your app when the need arises.

Some Ways To Use Venmo

It’s essential to understand how you can use the service before opening your Venmo account to know the various corners of the platform. The app is not complicated to use. Even the web-based platform also gives users humble time to move around. The following are ways you can use the service.

i) Send money

Venmo users can transfer funds to one another. You require the recipient’s phone number or email address to send them funds. But how long does Venmo take to send money to someone? In-platform transfers are instant as the funds sent from one account can reflect in another account within a few minutes. To send money to someone else, you can use the following process.

  • Open your app to log in.
  • Find the Pay button on your screen.
  • Add as many recipients as possible.
  • Add the amount of money to send
  • Include a note telling them why you send the funds.
  • Tap “Pay,” and you should be all set!

It is important to note that you can follow the same process until you request money from someone else.

ii) Pay goods and services

Some businesses are now accepting Venmo Payments. You can quickly transfer funds to the account of a seller or service provider within minutes. Also, the company issues debit cards that you can use to purchase goods online and at physical stores.

iii) Withdraw money

The platform allows you to move money from your account to your bank. You may receive payment and decide to transfer the money to your savings account to keep them for the future. Also, you can use a Venmo debit card to withdraw money at ATMs.

iv) Borrow money

Venmo offers a credit card that you can use to borrow money to cater for your transactions. Just like regular credit cards, the credit card requires you to have a credit history. That means they have to pull a hard inquiry on your credit scores to determine your creditworthiness. When you get a credit card, you have to repay the debt at the end of every month.

Method To Pay Someone On Venmo Without An Account

It is possible to send someone money even if the person is not on Venmo. If you have the recipient’s phone number, you can send them money, and once they receive the message regarding the transfer, they can open a Venmo account to access their funds. However, the funds stay pending until the recipients claim them. The question is, how much money can you send on Venmo?

The institution allows you to send up to $4,999.99 as long as your account is verified. However, if you have an unverified account, you will spend a maximum of $299.99 per week. The unverified profiles can send that tiny amount to help prevent criminals from sharing money to fund your transactions.

Bottom Line

Venmo is a payment service from PayPal that allows you to send and receive payments. The platform allows you to pay your bills in restaurants and other places. Moreover, the company allows you to add a bank account and fund your transactions when you have an insufficient balance. Venmo also gives you a debit card that you can use for your transactions.

Spencer Tierney is a writer and expert on certificates of deposits at His work has been featured by USA Today, MSN, SF Gate, the Los Angeles Times, NerdWallet and more. He earned a bachelor’s degree in English at UC Berkeley.