Venmo [Finance] App Description & Overview

Venmo is the fun and easy way to pay and get paid.

Why use Venmo?

Because it’s the money app for splitting the cost of almost anything—right then, right there.
Because it makes settling up feel like catching up.
Because you can add a note to each payment to remember the moments, not the money.

What do people use Venmo for? Plenty of things, like:

Split the group dinner tab without the napkin math.

Transfer money to roomies for your share of rent and utilities.

Settle up for fun stuff like concert tix and road trips.

Send a penny to say hi, or 5 bucks for good luck.

Still reading? We’ll let you in on a little secret: we’re more than just a way to pay friends.
- We offer the Venmo Debit Card, so you can shop with your Venmo balance everywhere Mastercard® is accepted in the U.S., plus earn cashback rewards at select retailers. Terms apply:
- Get your Venmo money in the bank, fast. Use Instant Transfer to get your cash in minutes using an eligible debit card or bank account.
- Check out with Venmo on some of your favorite apps, like Uber, StockX, Grubhub, and Zola.
- We’ve got your back—security is very important to us, and we prioritize making you feel safe and secure by taking security measures to protect your account. Plus, we’ve got a stellar customer support team, ready to solve any issues.

Card is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated. The Bancorp Bank; Member FDIC. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Venmo Customer Service, Editor Notes:

Small app enhancements plus some accessibility and visual improvements for Venmo Credit Card.

Venmo Comments & Reviews

TransferWise 💸

Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!

- Overall Good Experiences for Years

My identity was recently stolen and I am waiting for a new debit card in the mail. That incident rendered my current debit card useless until the new one arrives. Because my bank account is attached to my Venmo account, I am able to transfer funds from my bank account directly to my Venmo balance, then use my Venmo card until my new debit card arrives. It made transactions very convenient, and with Venmo rewards I was able to earn almost $5 back after using my Venmo card at Walgreens. That was pretty cool. I love the convenience of Venmo and the fact that many of my friends have it makes it easy to pay people for miscellaneous purchases or goods/services. I recommend Venmo and have been pleased with the app so far. I have had an account for at least a few years now and have never had any huge issues. One time, I did pay someone and they scammed me, but because of Venmo’s policies I wasn’t able to get the money back. I own my mistake and realize that it’s not Venmo’s fault that I was scammed. I do wish they had some better options (like refunds, or at least partial refunds) for people like me who get scammed and don’t realize it until the transaction has been processed. Other than that, I will still continue to use this app and recommend it to others because of its convenience.

- Absolutely ridiculous!

My friend transferred $400 to my account I go to do an instant transfer to my personal checking account and it will not go through. And oh how convenient no customer service support to call because apparently they work bankers hours. How in the world are you going to be a 24/7 cash application and not have any sort of online tech support or offer any live tech-support?? This is literally an emergency situation where I needed to borrow the funds which I did.....I now have my funds sitting in this stupid account which I am unable to touch or have access to and will have no way to contact their customer service until Monday morning it is currently Friday 7:30 PM. I am beyond furious. I knew I should’ve gone with my gut and used the other three different cash apps I have on my phone which worked beautifully and have never had an issue with. I only last minute decided to use this one for the first time tonight never thinking for a second that I would not be able to access my funds. USER BEWARE PLEASE don’t use this stupid tech-support after 4 PM M-F.

- Horrible Customer Service

I would rate this an absolute 0 if possible. The app is fine until an issue arises. The first issue is that it takes days/weeks to get a response from support. The largest issue however is that on an app that is nothing but transactions from one person to the other they can’t access more than your information. I had a friend make a payment to me. Venmo in error took 2 identical payments of the same amount from my friends bank account. When she flagged the second transaction as fraudulent to stop it from going through Venmo froze both of our accounts. That is completely reasonable. Her bank worked out the issue and was refunded the extra payment that was taken, however the initial payment that was made went through and was moved to my bank account, Venmo saw this as a “we lost $500 and you will need to pay that back before your account will be unfrozen. No, she has $500 less in her account and I moved it to my bank. This is a normal transaction. After over 2 months of limited response and ABSOLUTELY NO HELP FROM CUSTOMER SUPPORT my account will remain unusable. Support eventually told me that what I am saying has no merit and my account will remain frozen. They said they do not have the ability to look and see if she actually made the payment because they can’t look at someone else’s account. How does that work to help any transaction if you can’t look at both people involved. This being said I will take my business to any other platform but this one.

- They lie to you

I have never had any problems with this company/app but today really changed all of that. I wanted to add money to my account to cover some charges so I transferred almost $90 from my bank account to my Venmo account. If you have used this app before you know when you make a payment to someone the money comes out of your bank the next day. I checked my bank account and it came out so I check Venmo and it doesn’t show up. I talk to customer service on the chat, over email, and on the phone. Over chat and email they tell me it is run as an ACH transfer and takes 3-5 business days to show in my account. I work in a bank with these types of transfers and they never and I mean NEVER take 3-5 days. They take one at the most two days. Furthermore it was not run as an ACH transfer it was run as an auto debit (as if I swiped my debit card). I asked multiple times why I was being lied to and no answers just a run around. The girl at customer service on the phone was really trying to help me but she just didn’t have any information. I don’t know if she was new or if they just don’t care enough about their customers and employees to give them info and training to be able to help people. Don’t EVER put money in your Venmo account. Wait for them to take it out of your account after you transfer it/make payments. They will take your money then lie to you and hold it for as long as they can get away with it.

- wish I could give zero stars

I have money that was sent to me for bills on my Venmo and when I tried sending it to my bank it immediately locked me out and said my account is frozen... I’m not sure why but it won’t even let me do anything from this point in my account. I went online to your “help” page and followed the instructions for a frozen account... it ended up being a dead end. I then called customer support and they wouldn’t even tell me the issue with my account, just said it’s going to take 5-7 business days for an “account specialist” to look into my account. I don’t mind that, all I asked was if I could send that money back to the original sender or just cancel that payment. They said once a payment is sent through there’s no way to get it back to the sender, not even through customer support. So basically I have money sitting in my account and I can’t even touch it because my account is frozen? And they won’t allow me to speak with anyone before the seven business days. Absolutely shocked and mortified with this apps customer service skills. Very obvious that they don’t care about their customers experience and they have zero safeguards for protecting the financial aspect of this app. There should be some way to send that money back to the sender so I’m not sitting here waiting for nearly two weeks just to access those funds, or allow me to speak to an account specialist over the phone. Once this situation is handled I’m never using this app ever again.

- Venmo is a horrible company

There are so many issues with Venmo it’s completely ridiculous. Their app is a complete joke. Every transaction I’ve ever done has had issues. Basically you get a generic error that says it’s your bank that’s the problem and that they are rejecting the payment. Which is completely untrue. That happens like 20 times and then randomly on that 21st time it goes through an hour or two later. The customer service is the worst I’ve ever seen. They deactivate accounts without giving a reason or even attempting to contact the account holder first. They just deactivate the account and say we are not going to give you a reason (claiming that this is to protect their other users because knowing why is somehow a security risk). They don’t even let you respond. “If you have any questions on this decision, this matter is closed and we can’t help you”. All the funds in the account they put under hold and you will likely never see them again. They are basically a bunch of thieves taking money from good people who made valid transactions that they deem invalid for their own made up reasons that they don’t want to share. When they see an opportunity, they cash in. I could keep going on with their bad business practices but my advice to anyone is just stay away. I personally wish I had never used their service, if you can use something else. Unless of course you like throwing your money in the trash or burning it.

- Venmo card has been nothing but grief

As far as transferring money to another person the service works pretty well , just like CashApp or PayPal. The Venmo card has been a horrible experience. For the first few days I had and used it I experienced no issues. Today it was a entirely different story. My card with adequate funds on it was declined everywhere causing much embarrassment. I finally reached out to Venmo and after several attempts got someone on the chat option. They basically told me they were being declined for security and could do nothing to assist me. Under normal circumstances I could understand and actually be thankful for a financial institution protecting my best interests but my card was declined at Kohl’s department store, two gas stations and even the ATM. The representative hand no remedy to give me beside cashing out to my bank and using my debit card. That would have been fine but the instant transfer wasn’t an option so 1 to 3 business days is now what I’ll have to wait to access the funds. Long story short if you want to send someone money who doesn’t mind waiting to get the actual money in the bank for a few days then Venmo is a fine option. If you want access to your funds quickly or the ability to use a debit card issue free use PayPal or your bank. Today’s issues put Venmo on the bottom of my list for fund transfer services for sure and the person I chatted with just solidified that I am making the correct choice.

- Frustrated and Disappointed 👎

I have had three venmo accounts and all of them had been shut down without any explanation. I use this app as a method of payment for my car cleaning services and without a doubt, each one gets shut down without hesitation in a matter of a couple of weeks, very frustrating. Venmo makes no effort to provide me with a reasonable explanation as to why ALL of my accounts have been shut down other than claiming it was their decision and I can no longer use their services. The third time this happened, I decided to call their customer service number to see if they could give me a reason as to why my account had been first locked. I called the direct extension that claims to handle exactly that. Despite waiting on the phone for 15 minutes, I was given literally no answer besides that I have to wait for an email to come (the one where they don’t tell me anything) which would take 3-5 days. Why have a direct line that handles frozen accounts when they really don’t handle anything? What I ASSUME to be the reason for all of my accounts being shut down is that the name on my profile does not match the one on the card. Which for privacy reasons, I choose to only use the first letter of my last name, and when I made my other accounts and had to use my parent’s cards, of course the names would not be matching. Very frustrated and disappointed in both the customer service and the functionality of Venmo.

- Venmo is LITERALLY the worst!!!

When I first started using Venmo a year ago, I had zero problems. Friends and family would send me money and I would use “instant transfer” to my bank account since that was the quickest way to send money and I would receive it with NO ISSUES! All of sudden I am getting problems with the instant transfer. I have contacted Venmo myself and let them know the situation thinking they could fix the problem since it’s on them, but they are just useless and they offered me a “better solution” to the problem which was waiting 2-3 business days for the money to be sended to my bank account. HAHAHA NO. So apparently now their system is “declining” my instant transfer funds and there is nothing they can do about it. How could you not do something about this!? It’s your company declining my transfer! If anything YOU SHOULD BE THE ONE TO FIX THIS. All I am trying to do send MY MONEY that I need to in my bank account, and yet I can’t touch it. This is absolutely ridiculous. This isn’t the first time this has happened to me with the instant transfer fund, but now that this is happened to me a second time, I am done. After I figure out a way to get all the money onto my bank account, I am deactivating Venmo. I will never use Venmo again. If you read this, please don’t waste your time on Venmo, because like they told me, there is nothing they can do about it. I am extremely disappointed and upset. Goodbye Venmo. 👎🏼

- Was best cash app until

I had a problem with my ATM withdrawal. Not having any transactions for over 24 hours, when I went to the ATM it declined me even though there was more than enough money in there. Thinking it will be a simple fix ended up being a 24 hour headache with still no resolution, And my money on able to be withdrawn or even used for purchases. Went from the best app to the worst app in one day! The funny part of all this headache, every time I called they said there is no holds or locks on your account everything looks fine. Something you must’ve done at the ATM cause the computer to decline it. They couldn’t clear anything in the system and the best suggestion was wait a few hours and try again. After trying again and again, and calling them again and again. I was still on able to withdraw from the ATM. They don’t know why I was being blocked and said there is no hold on my account. I said to them if I can’t withdraw from an ATM I guess there’s no point of me having the Venmo account and I should just cancel it. Their response was yes I agree that would probably make sense if you’re an able to use it. Never in my life have I heard a company tell you to cancel them. And that was from not only 1, but 2 people. 1 of them being a manager. And the crazy part of it all is still no one can override the computer that’s blocking me from using my ATM card. So needless to say I’m done with Venmo

- Zero Stars if I could! Beware! Venmo holds your money!

Venmo (subsidiary of PayPal) can arbitrarily hold any monetary balance you have in your account and comfortably not feel obligated to give you any reason at all for doing it! The customer service (I spoke to Sam L.) is literally the worst I have ever experienced. After explaining that it was extremely urgent that I receive funds instant transferred to me from my friends that were trying to help me out, the agent coldly kept stating (or cut-and-pasting) that the “user-facing” customer support team had no access to reasons why a transaction could be declined. They said it was a computer algorithm that decides and they [conveniently] have no access to that information, nor can they transfer or let me speak to anyone in their entire support team who can override or otherwise tell me any valid reason why... meanwhile I am unable to help myself in an emergency situation due to their policies, which should be completely illegal. When I asked for some empathy and possible compassion or at least an honest transparent reason for this situation, I was told that “Venmo should not be used in emergency situations”. Like I have control over when those things happen. My response is: Venmo should not be used at all! Terrible business practice and policy Terrible customer service Read the fine print folks, your money is at the mercy of a computer algorithm created by a self-serving and predatory company!

- Constant issues with Venmo freezing my money

They’re holding money paid to me by friends of about 183$. I tried transferring to my bank account and it shows my account is frozen. I can’t transfer it my account and can’t pay someone off the limbo balance. I’ve contacted customer service, email, live chat, read all the preprinted information which doesn’t help since all those are about money owed. This is money for me that’s just sitting there. I’ve sent them a copy of my drivers license to show it’s me. Signed up in Facebook where I only have one account. It’s still saying to contact customer support! What else am I supposed to do. It’s signed up to a new bank account at a credit union. So I correctly entered the routing number and proper account. It’s still frozen. No answer. My account is verified through email. We are at a stand sat I’ll since January. I just want my account open and give me my money. So I ask my friends if it came back to them? Pay me again but in cash? I don’t know what to do at this point but I’m losing money because nobody can pay me in Venmo. So many dinners where nobody has cash so we all Venmo. I’ve lost money friends are trying to reimburse me. I never see it account is still frozen. Since January. 😑 my bank can’t speak to third party and it’s not my bank with the issues.

- They hold your money w/o exp. & access acct details illegally

Someone recently opened a dispute against me however she opened the dispute before the agreed date to ship. It makes no sense. So Venmo froze my account and would not tell me any information. They kept telling me an account specialist would contact me...well the lady demanded I ship her stuff before the account specialist ever reached out. I had already verified my identity yet they wanted me to submit more proof to even inform me of the dispute. Long story short Venmo has closed my account permanently without asking for my side of the story and without any explanation at all. When I respond to the emails they just reply and say they cannot assist me any further and The money in my account will now be held for 180 days-again with no explanation as to why. If I weren’t I contact with the disputing party I wouldn’t have even known a dispute was opened. To top it all off the disputing party has informed me that they have a family member who works for Venmo and has been providing her with my account details. I emailed Venmo’s privacy department and the following day my account is permanently closed. Do NOT use Venmo unless you want to risk your money being held for 180 days without explanation. BBB and FTC will be hearing from me next. Employees cannot access and provide my information to another user for any reason- especially for personal, family matters.

- Convenient but still frustrating

Venmo is a convenient money sharing app since it’s the one most people use but man oh man does it have some serious hang ups. It automatically shares your transaction history with all of your friends. It pulls these friends from Facebook and your phone and makes that list public as well. So anyone of those people can see everyone you know and who you’re paying for what. Also as far as I have found there’s no way to turn off the friends feed or make your personal history your home feed. It defaults to the friends one meaning every time you open the app you see an endless list of your mild acquaintances’s financial transactions. Rachel from high school must be getting married cuz she just Venmoed a wedding photographer and a dj. Your old coworker Tom just paid someone you’ve never heard of for burritos. Carol just paid Jennifer for some wine. Good for them. Glad they’re still having that wine Wednesday. But like who is this for? I hate it. I just wanna slip my friends some money when they grab me food or pay my portion of the rent without going to the bank. Who wants to see how their friends are spending their money? Why even mix the social aspect into it? Get it I guess cuz cash is so last decade or whatever but be prepared to find it as annoying as any other social networking site.

- Trash

Venmo is literally one of the worst apps you could possibly get. I tried to send money to my account instantly and it wouldn’t go through. The excuse I was given was because of “suspicious activity”. Basically whatever they deem “suspicious” is grounds for your account to be frozen, delayed, and or locked completely. Pretty much any large sum of money is apparently “suspicious” so I wasn’t able to get my money out even after I said oh well I’ll just do the standard transfer and wait the 1-3 business days. I had to send the money to a friend and have him do it instantly and send me the money on cash app. I’d honestly advise using cash app over Venmo easily. It’s simple, easy, and doesn’t have so much baggage with it. You just type the amount you want and you can send the money to someone instantly and take that money out whenever you want to. Customer service was awful and they didn’t believe the account actually belonged to me and had me go through at least 4 different security processes on the phone to make sure it was actually my account even though I explained in detail only things an account holder would know about their own specific account. They tried to make it way too complicated to use and it’s honestly a hassle anytime you actually want to use the app. I deleted it so fast after getting my money out and I’m never using it again

- Great New Gossip Feeder

It’s super nice that they make transactions public by default unless you change your settings!!! I got off all social media but can still tell which of my friends are in a relationship based on the Venmo transactions I see going between them. Though honestly, it’s a bit much to have to know that two dudes I went to school with years ago are paying each other back for toilet paper and pizza every week. Why do I even have all these Venmo friends? I never chose them consciously. Being serious though, it’s a very handy, easy-to-use app and becomes more and more convenient as more individuals and businesses start using it. I buy groceries at the farmer’s market, receive payments for dog sitting, etc. all through Venmo... for free! I still don’t know how it’s a sustainable business model for Venmo, but it’s awfully nice for me. And splitting checks at a restaurant or whatever is amazingly simple now... gone are the days of your distant acquaintance saying, “I’ll pay you back when I get a chance to grab cash from an ATM,” and then conveniently forgetting for the rest of her life. Just look her in the eye and state your Venmo handle right from the restaurant table so she has no excuse!

- Payment problems

I have money in my venmo account and it’s not allowing me to pay someone with the money in my account it only allows me to pay with my debit card but I can’t pay with my debit card if my money is in my Venmo this app has serious problems that need to be addressed. Your instant transfer system needs to be fixed I talked to a support person and they told me that somedays you can instant transfer and some days you can’t this is upsetting and brings me to the conclusion that I will not be using this app. I can’t give the app no starts but if I could I would considering that your app isn’t compatible with my bank so I have to manually verify my bank which takes 3 days and then the standard transfer takes up to 3 more days so I cant get my money for a whole week like that is an issue. If I can instant transfer yesterday I should be able to today especially if there wasn’t no suspicious activity or anything of that matter on the card or account. Once I get my money I will not be using this app and I will advise all the people I know that have it to use a different app that actually gets you the money when you need it, I’m also never going to advise people to use the app or download it because of these problems you are hold peoples money and causing problems for them. I would fix your problems before your app falls under.

- Transferred Money That I Couldn’t Even Use And Now My Money Is Being Held!

I got my school refund on my chime account. I had a new card ordered and had not gotten it yet. And I needed the money, so I sent it to my brothers chime account. He then sent it to my Venmo account because I had that card. ALL of my transactions were getting declined, except a couple that went through. So I sent the money back to my brother, and ask him to try the transactions and to try to withdrawal from his Venmo. Same problem. So we contacted their chat team about it and we had recently moved so we figured it was happening because we moved to a different state. We called about it a couple times. And they ended up freezing our accounts! They asked us to send pictures of our State IDs or Drivers licenses to prove our identity. We did that. I also sent the a picture of our lease to update our new address. They told me that I went against their user agreement and that my account was being permanently closed and that they were investigating my money for up to 180 days to see if they can give me MY money back! I sent them pictures of my accounts showing what I did. And I also kept the chat transcripts and email communications with the company. No luck at all. And they won’t tell me how I violated the user agreement! I need my money! I have kids and bills to pay and I can’t now.

- Hackers

Recently just had someone hack my account and had someone calling me claiming to be from Venmo trying to get me to send the money back.... $1,300!!!!! They got into my Venmo account somehow and changed my email and number on the account so i can no longer gain access to the account they then processed to send $1,300 to another random girl. Luckily i called my bank in time to have them cancel that card connected to my Venmo account so they couldn’t touch my bank card, but that’s not the point the fact that’s someone got into my account so easily and got access to that information is crazy to me. All while this was happening i was trying to contact the real Venmo customer service and they were closed! I couldnt react nobody !! I created a new account just to look up my old account to see the activity on that account and i was able to trace at least 20 girls that the money was being sent to through the scammers and the fact that Venmo is so blind to see what’s going on and probably still doesn’t even know so ridiculous!!! You think for a app that has so much important information about their customers they would have 24/7 customer service. I sent a email to customer service and have yet to hear back. Delete your card from this app since they obviously show they don’t care who gets access to your bank card.

- They really froze my account and trying to hold my money

Okay hello my name is johniqua so it says that Venmo is holding my money okay after my money is returned I’m not using Venmo again. I understand I violated some kind of rule or whatever. I clearly explained what happened plenty of times 4 times in a row sent my ny stat Id picture twice. I don’t get it I couldn’t put the money on my card I clearly explained that then it says I can’t use my account how in the world is it that sending money is so difficult. when you try to get your hard earned money back to you. which your the rightful owner of someone tells you they’re gonna hold it oh heck no. I will like my money returned to me no one has to ever worry about me using this app again. I’m sure I will never use this app. I will be darned if someone freezes my account then I give my Id and tells me they’re holding on to my money as if I’m a little kid who just got there allowance and is spending to much money I understand not you fault I chose this app and have to deal with whatever but if I knew I was causing trouble sending the money back to my boyfriend and requesting it back because we both couldn’t find a card to place the money on I would’ve been asked my sister to use her bank card to put my money on man why the heck why do I have to go through this so I really can’t get my money back

- Don’t get this app unless you want endless frustrations

I start this review out by saying, this app can work great. Only for the lucky ones. I used this app for about a year before I became one of the unlucky participants. I followed all the rules, did nothing wrong, and one day my account was frozen for absolutely no reason. I couldn’t send or receive money. I wasn’t even able to transfer the money i had in my account, to my bank account. I emailed the support team which likes to pretend like they’re helping you but they really don’t. Nobody helped me. They told me there was nothing they could do. After frustrations grew smaller, i decided to give the app one more chance. I downloaded it again, created a new account. And a few weeks in...BAM! My account is frozen again. This time it’s because i have “duplicate accounts”. I just want to know HOW i’m supposed to only have one account if they screwed me over on the first one, forcing me to make another. As of right now, I have $115 in my second account and there is no chance of getting it out, due to my account being “frozen”. I have tried emailing, calling, and everything in between. This app and its support team are unprofessional. They stole my money and I’m never getting it back. Do not download this app unless you want to risk being one of the unlucky ones like I was.

- Terrible customer service

God forbid you have any emergencies with your money because you’d be better off sitting on your couch doing absolutely NOTHING, it would have the same end result as if you try to get help from this company. My account was compromised and they have yet to do anything at all about it. If you want to speak to a customer service representative and live people when you have an issue that will be too much to ask because that’s not available. They don’t have an emergency hotline so if you do have an issue you have to send an email and they will MAYBE get back to you in 24 hours if they feel like it at all. I’ve sent 3 emails in the past THREE DAYS so yes more than 24hrs and not one has been responded to. A lot can happen in 24 hours AS IT IS, especially if your problem is as urgent as your account getting hacked into and someone else having access to confidential information. And they don’t have a number for a live agent to call, so you would think that they would be prompt on their emails. Wrong. Even though I got the major stuff sorted directly with my bank I still have someone making changes to my profile on Venmo. Read all the reviews about their terrible customer service it’s all the same, especially if you go online. Do yourself a favor and use zelle or literally any other app.

- Much easier to use than writing a paper check.

Very easy to use money transferred instantly. Much easier than writing a traditional check. I believe Venmo is also PayPal. I took away one star due to privacy. When you sign up it automatically uploads all of your contacts in your phone without warning. It also connects to social media like Facebook. Once you've registered you can change these privacy settings, so be aware to go to settings immediately if you don't want all of your contacts who use Venmo to see your transactions. Also for each transaction you can select if you'd like your friends, the public to see Who you've paid, minus the amount. You can also set each transaction to private. Personally, I don't understand why it's anyone else's business who you pay for what kind of service. It's a Bizzarre concept to me, but then I don't live my life through social media. I am only using Venmo as a form of payment, like cleaning services. Still, it's easy to use and convenient. Just make sure to check Settings before you start transactions unless you want all of your friends, Family and coworkers to know what you're up to.

- Cash app is overwhelmingly superior.

I’ve only had one transaction over Venmo and it’s already proved unusable. I was sent money by a friend on Venmo, against my raised objections. I already use Cash app, Zelle, PayPal frequently, but they sent it via Venmo anyway. I go to transfer the money to my bank account, and I get a vague error message. I successfully connected my bank account, but when I went to send the money, I got a vague error message. So I contact support through chat. I’m 34th in line to speak to a representative. After waiting 15 minutes, the chat window closes on its own. I reopen it, but have to get in the back of the line. I try again the next day. Same thing. A week later, I try again and get connected with a representative. I explained the situation, and the response was literally “the system is showing an arbitrary error for reasons that we representatives are not allowed to see on our end.” That’s right, the system had an error for reasons not shared with customer service reps. After some back and forth, the representative figures out that the error is because my bank info is on another Venmo account- my wife’s. Apparently Venmo does not allow a bank account number to be on more than one account. So, my wife and I can’t use the app at the same time. It’s just ridiculous. TL;DR just use cash app!!!!!

- Venmo Original

I was a Venmo original user, telling all my friends this is the future of payments. I started saying “hey guys Venmo me, oh you don’t have Venmo? What’s wrong with you? Don’t you know about Venmo? We don’t need cash to split bills anymore.” We’ll, this was also in a period when Venmo said they would pay users if they invited their friends and they signed up. Until this day, I still get users that sign up, because of me, but Venmo does not pay me like they said they would. While I love their application, I don’t appreciate that they didn’t pay me for getting many of my friends, contacts, and business colleagues on Venmo. Maybe thousands of users but Venmo only paid me for the first few users. Venmo is great, but they owe me. I was inline with the thinking that there must be a better way to pay people, and I found Venmo, which was a simpler way to pay people than PayPal, which many people did not trust at the time. I convinced people that it would be safe and efficient. Venmo owes me for all the people I invited, as they said I would be reimbursed. Great app overall, just pay me. :)

- Really handy - a few issues

I use this app a ton and im a huge fan. One thing that enraged me though is that they’ll sometimes keep your money hostage when you try to pay someone , adding in layers of verification requirements while possibly collecting interest on the sums held up- they don't notify the sender that the money they sent was unclaimed allowing the sender to choose an alternative payment channel - I learned from a young homeless woman who had a Venmo account who i sent money to for train fare, that they would not allow her to accept what I sent. I consider this to be abusive of their fiduciary role. I want them to fix this and make it easier for people in her situation to access funds to be able to improve their situation or make it clear to the person who sends money that the money never reaches the intended recipient. I would give them fewer stars for this issue, but i find for regular use with established contacts it works well. I wish i had the option to preschedule payments or set regular payments. I also wish that my venmo balance would apply to my payment when the amount exceeds the balance- instead of sitting there!

- Good concept, Horrible implementation

I like what Venmo does—I don’t care for the social feed aspect and I keep all my transactions private, but sending money to friends to split a bill, paying rent, sometimes even getting paychecks for freelance gigs is smooth and easy! That said, Venmo is the worst piece of software I interact with on a regular basis. The app completely freezes for anywhere between 10-30 seconds immediately on opening, and at any point after, whether typing in a payment or navigating menus. This has persisted for a few years now, while keeping the app up to date, and across 3 or 4 iOS versions. Venmo actually runs more smoothly on iOS 10 on my ancient 4th gen iPad than it ever has on my iPhone 6s, suggesting that it’s only gotten worse over time. to make matters worse, they killed off the web interface, so the only way to use it is through the terrible mobile app. I usually don’t write long reviews, but my user experience with Venmo is simply so awful that I’m spending less time to write this than I spend waiting for Venmo to stop freezing over the course of a couple transactions, so if anything comes of this I guess it’ll be worth it. If the app actually functioned, this would be an easy 5 stars; as it is, I’m stuck using the worst app on my phone simply because it’s popular.

- Bad experience with VENMO!!

After 1 hr 26 min hold-time plus countless other phone calls on the same matter, VENMO decided on their own and without a detailed explanation of their decision to BLOCK my Black American Express Centurion card from my profile. All the rep and supervisor say “it’s a security issue” yet AMEX indicates there is ZERO issue on their side. Additionally, no resolution was offered! Not from agent or supervisor. No one said: “let me see what we can do”. “Let’s see how to resolve this”. Instead I heard : “ I’m sorry but there’s nothing we can do”. When I asked to speak to their security department : “ I’m sorry but we cannot transfer you” . When I asked to speak with another supervisor: “ I’m sorry but I’m the top of the line and the only one here today to speak to” It’s not ok and it is unacceptable that a company act this way. So after that long hold time I still do not know 1) what the security flag is 2) how to resolve the matter. VENMO is no longer my company of choice when there are so many others in this field! I’m going to pursue this matter with the correct agency to clear this — ASAP!

- A Must Have in today’s Society

With fast moving lives and technology only growing, it’s about time money catches up. Venmo makes it fun easy to send, receive, and request money from your friends and family. If you’re a secluded person or like some privacy then just make your transactions private so no one can see them. The only person that sees a private transaction is you and the person you are sending, requesting, or receiving money from. Your received money is then stored in your own secure account until you decide to transfer it to your bank. My transfers usually take about and hour to a day. The more you use the app the better and faster it gets. If your 18 and can’t wait to transfer your money you can sign up for the Venmo card that connects to your Venmo secure account balance. That way you don’t have to wait. Those cards come in a variety of colors, so there is one for everyone. If you haven’t tried Venmo already I highly suggest you give it a go. You don’t know what you’re missing out on.

- Shady Hidden Fee

They deducted $5 from one of my transactions because they told me I was in a $5 dollar deficit from a transaction that took place over a year ago. I was never given a notification nor an email saying that the payment method didn’t go through and I owed Venmo $5. My Venmo wallet even said I was at $0.00. Not “-$5.00”. So they waited until I made a transaction and I noticed it was $5 short. The only thing they told me was a transaction I made a year ago with a specific account didn’t work, my bank couldn’t provide a routing number or account number for that account they said I used. That account in question HAS NOT BEEN AN ACTIVE BANK ACCOUNT SINCE 2016. So of course it’s not going to be a usable account. Which begs the question, why would I use that account to make a payment and why was it not declined from the very beginning? I even tested it by transferring $1 from that account to my friend, and it immediately declined it like it should have. All I’m saying is Venmo and PayPal have some very shady ways in collecting revenue from their customers via hidden fees. They basically gave me the run around about it. I wouldn’t be so disgruntled if I was given a heads up prior to the transaction that I was in a $5 deficit to them. But there was no notification and my Venmo wallet said I was squared at $0.00.

- They Share Private Info.

So I got a new phone and as such, ended up locked out of my Venmo account. I reached out with my email address on file, confirmed my private bank information, and after two weeks I cannot get any response to be let in to my account. They’re saying they need an image of my ID without any information covered as if the verification I provided already isn’t enough, but I am a victim of domestic violence and as such, requested written confirmation that an image of my ID would not ever be shared with anyone else before I provide it. THEY REFUSE TO GIVE IT TO ME. They will NOT put in writing that if my ex, who I named specifically, reached out for info about my account, they would not provide it - why won’t they agree not to give my personal information out to anyone else? This is SO scary, SO troubling, and enough for me to take my business elsewhere which is such a shame as I was considering migrating over to them entirely. I have followed up with them again in hopes to regain access to my account and once I do, will be pulling all my information and money out of it and requesting to be wiped from their database. I would never recommend Venmo to anyone and I will be taking this information anywhere I can so others are aware of how dangerous it is to trust Venmo with their private information.

- Disappointed and frustrated

Had a friend want to send me money but they only use Venmo so I decided to download and set it up everything went great setting it up including the bank account until it came time to add my debit card for payments and instant transfers. It wouldn’t allow me to add my bank debit card or my credit card. I called my bank and they said they work with Venmo and my card should be working no problem. So I tried to contact Venmo today and they are closed to phone calls so I couldn’t talk to a person I could only email and or chat (txt) with them and they told me it was flagged and could not be added and that they couldn’t tell me why and said they weren’t provided that information and it was done by there automated system and there was no explanation they could give me and there was nothing they could do about it. I asked who would be able to give me that information and then they said there is no information available.. now I have to wait and transfer to my bank account in hopes they don’t try to flag that and hold my money. It’s not $20 bucks I’m trying to get out of my Venmo account either. If Venmo will correct my issues or even atleast give me an explanation I’d be happy to update my review but as of now I unfortunately have left this type of review.

- Instant transfer fails!

When I first downloaded and added the app I didn't have any problems. So I had my family download the app too. Then all of a sudden my instant transfer option was not working. The only option that would work is the standard 3 business day option. I called my bank and they said it wasn't them because Venmo didn't even attempt the transfer. When I contacted Venmo they had no idea why it was happening, they actually said that! Then they said that it does happen at random and I was the lucky one! Then they told me the only way I could transfer to my bank was by using the standard 3 day option. This is ridiculous! I only downloaded this app because of the instant transfer option. My KIDS were out of town and I needed to get funds to them immediately. Once again Venmo FAILED and couldn't make the transfer...only showing "Sorry your transfer did not go through". I tried to test it out and by sending someone else funds and it was all a hit or miss! One said he could transfer then of course could NOT. Either way my kids did not get their funds when they needed it!!! I had to drive 2 hours right after I had a baby to get it there because Venmo FAILED me again! Only use Venmo if you're not in any rush to see your money in your bank.

- Venmo is unacceptable !

I am very disappointed in venmo and will probably never use it again. I understand you guys freeze accounts when you suspect something but the process to unfreeze takes way to long. I have $190 in my frozen account & I need this money to help support my household in this corona situation but I am still under review after 2-3 days of sending my iD in. Cashapp instantly makes you take a picture within the app of you iD and you are back to using your money. It makes me very upset that I have to go through this not only do I have to ask people for money but pay them back when my account unfreezes. I DONT KNOW WHEN MY ACCOUNT IS GOING TO UNFREEZE. Yes I already sent my iD I also talked to a Venmo assistant who agreed and said he sees my iD and I have to wait for a specialist to fix it. My thing is why aren’t I already talking to a specialist about my situation not a customer support person who barley has control over helping my situation. I callled not only did I wait and hear your wait music for almost 20 mins when they finally answered and helped me they told me I had to wait for the specialist! Y’all could’ve told me that in a email after I receive my money I will be withdrawing and going back to cashapp because this is unacceptable. Have a nice day and keep safe from corona.

- Let me in an unsafe situation, lost my job as a result

Venmo doesn’t even deserve a star. I recently got a Venmo debut card and the other day decided to make it my viable option to use for expenses and daily living. On the first day August 2nd this card worked fine, as the second day approached I noticed the card decline at a gas station, I didn’t understand and had them run the card again. Declined again. I then called the number on the back of the card only to find out that you can not speak to a human on the weekends. You can only chat with a mobile agent at 7AM Pacific time. So I had to sleep in my car as I was an hour away from home and had no other financial means. I tried calling the number on the back of card but no one is available you can only activate it deactivate the card. When I was able to chat with a mobile agent through text messaging they said sorry for inconvenience but there is nothing we can do. I had $1000 plus in the account and was unable to get gas, they did not care about my welfare and did not has e a supervisor or anyone that could assist or was willing to assist. As a result I could not get gas in my car and was unable to make it to work where there is a zero tolerance policy for tardiness. I lost my job, my safety and peace of mind due to Venmo

- Froze my account for no reason

I recently got a Venmo account this month, and it was all going pretty smoothly for myself when I found out my account had been temporarily deactivated for some unknown reason. Keep in mind I only had my account for 9 days, but the day before my account was deactivated I transferred my Venmo balance to my bank because I had a feeling this would happen. I looked into the situation further and I saw people rarely got their accounts back... which results in Venmo holding your money for a total of 180 days! This is where you shouldn’t download their app when I tell you that Venmo’s TOS states that every transaction can be considered a violation and therefore be subject to being flagged. They can literally flag your account if they want to and they don’t have to a reason for it. Thus, holding your money waiting for you to verify with an ID... BOOM your account is locked with your money in it without anything you can do. If you don’t believe any of this google it your self. Venmo has a big history for deactivating accs with hundreds upon thousands of dollars being in held from users. All I want is my account back and to make sure my money is being transferred safe without having to worry about my account being terminated for no reason on your side.

- Corrupted Company

My room mate sent me his portion of the rent fair and square. Two weeks after he moved out he called and threatened me for money. When I refused, he threatened to dispute the rent payment. He filed it as an unauthorized transaction even though he 100% of his own volition sent the payment and the money was owed. Without any inquiry or investigation, Venmo immediately credited him the full amount. They placed my account in the negative (I owed them suddenly $600) and froze my account. I went to extensive lengths to contact with them and bring the fraud and abuse of system into the light. I had verifiable evidence. I was a loyal user. Venmo sided with the toxic roomie solely on the grounds that in the User Agreement it’s our responsibility to not have any disputes or complaints against us during our times using Venmo. It was blatantly obvious what he did. And the only reason they refused to be honorable here and correct this was because it was their mistake for just blindly crediting and it would cost more to fix it than to leave a user locked out and delinquent. There’s no protection. No matter what anyone can just hit a dispute button and suddenly get credited the amount and you will be billed the amount. Completely corrupted organization with dishonest business practices. Go elsewhere. They are not worth the risk.

- It’s my money and I want it NOW!!

Really!? 2-3 business Days just to transfer your money from your Venmo account to your bank or debit card? That blows. I suggest everyone try the Zelle app as soon as someone sends me money through Zelle I get a text from both Zelle that someone transferred me money and I also get a notification from my bank telling me they processed a check for the amount I just reviewed on Zelle. So I don’t even have to go into the Zelle app and say transfer to my bank, IT DOES IT FOR ME! So nice and convenient. I have nothing to do with the Zelle app I am just impatient and want my money that someone sends me right away and to have it accessible and ready to spend using my own debit card from my own bank instead of having to get a Venmo card just one more card to carry around in my wallet. I don’t use Venmo to make purchases or pay friends back for pizza or anything I use it to just collect money for my businesses and the services we provide. So again it’s my money and I want it now, I don’t want to have to wait 2-3 days for it to get into my own personal bank account or be charged a fee to do it right away like other apps do like the CashApp. That’s just absurd take a percentage of my money Bc I want it now!!! Again Zelle is where it’s at, it’s the beezkneez!


I sent $388 through Venmo to my mom and they froze both of our accounts asking for verification. We both uploaded our ID’s and were told it would take 3-5 business days to be reviewed by and account specialist. After the review period we were told our accounts were permanently revoked without any explanation. I didn’t mind that part at all honestly because the point of using Venmo is because I though it would be convenient and efficient and it was anything but that! Now this is the insane part. They did not volunteer any information about the $388 they had of my money. When I questioned them through email (that’s the only way of communicating with an account specialist), I was given a vague response about their investigation would take up to 180 day’s and the funds were a part of the investigation so they would let me know at the end of the 180 days if they could return any part of my money back to me!! Now after hearing this I went on BBB website for Venmo she literally every other complain is a story just like mine, some for thousands of dollars. I have no idea how Venmo is getting away with stealing people’s money but they are. There are many different apps like this so use one of them and stay away from Venmo at all costs!!

- Don’t make a mistake in this app!

I sent my brother money through Venmo 18 days ago. He had not used the Venmo for a while. After I sent the money my brother informed me that he was not able to get into his Venmo account because the phone and banking information he used to set up his account had changed. I thought “no big deal, I’ll just cancel the transaction and use a different app.” Well, according to Venmo’s policy, only the recipient can send money back to the sender. The sender cannot cancel a transaction. So we have been going back and forth for 18 days by email trying to upload documents to prove that he is the owner of the account so that he can reset his account access the funds I sent him. I don’t understand why the process of updating one’s account is so complicated. The customer service by email is terrible in that they are not solution oriented. I am extremely put off by the fact that as a sender I cannot cancel a transaction. I am equally put off by the fact that there is no straight forward process for someone to reset their account. Luckily I sent it to my brother whom I know. I can only imagine what would have happened if I sent it to a stranger. I am not doing business with Venmo anymore. And I am recommending my friends not to either.

- Glad to have!

Had friends tell me to get this multiple times but never wanted it or needed it until recently I needed this for an important purpose to receive some money so I finally gave in and downloaded VENMO, and I’m so glad that I did. Taking a bit to learn and maneuver but I will get there. One downside I don’t like and that’s aggravating me (although I have set mine to private) is that when I open the app I see people’s business (people I know of that I don’t care to be reminded of and folks I don’t know transactions of sorts, and I find that so very annoying). I still give 5 stars even with the annoyances bc I’m hopeful that with the right setting I can get rid of all that extra junk I see about other folks bc I only care what my personal business is doing, not theirs. Great app. overall that I can tell. Going to be very handy at times for me. Another awesome thing that much use is free and certain usage is very reasonable fee(s) so that makes it much, much better. Thanks VENMO! Regards, A new customer, Brian S.


I forgot my password and since I opened my Venmo account, my phone number changed. I am being asked to verify a PSCU account when I never had one. I submitted a copy of my D/L and wrote Venmo from the email that’s on file with them, plus my daughter (same last name) sent me via Venmo borrowed money. Venmo still won’t allow me access to my Venmo account. Can anyone help? Another stinking email. I have submitted all my information to Venmo, once wasn’t enough, did it again, the 2nd time wasn’t enough, in and in for 2 weeks. Where is Venmo located? Doesn’t anyone read English? What in the world is going on in that office? Maybe I’ll find the CEO of Venmo on social media and get the entry level help I need from him. This is absolutely ridiculous!! I received a request to update my review here. I am not going to delete anything that I have written here until I have been given access to my Venmo account. I lost access to my Venmo account for 2 reasons, I don’t remember my password and my telephone number changed. I did submit, in 2 separate emails, on different dates my drivers license proving my identity. Also the money my daughter sent to me has the same last name so there should be no confusion there. Again, please give me access to my Venmo account.!

- 1 Star- Very Poor Experience

I’m giving this app one star. I am a first time user for Venmo. I had a friend who needed to send me money and she mentioned venmo. So I downloaded the app because I’ve hear lots of good things about it. I downloaded and added banking information. I notified my friend that I set up my account. And she sent me the money. This is where the trouble starts. I go to transfer the money to my bank; and it says it will take a few business days; which is all good and well. So I keep watch on my online banking. The money finally came through, but went right back out. So I contacted my the online chat help and they told me to contact my financial institution and they should be able to fix. So I did, and my bank said it was on Venmo’s end. So I chatted back with the same lady and told her what my bank said.. AND SHE CLOSED THE CHAT CONVERSATION because she didn’t want to deal with me. So, I got back into the chat conversation with a new representative who was much nicer. She said she would refund the money that was disputed the first time. Well; that has been 2.5 weeks ago. I’m out my money; and maybe I’m the one bad egg in the good; but it was a TERRIBLE experience and they made double the money off me. I have deleted the app and will not use it again.

- Great Payment Platform...

It’s been approximately 6 months since adding Venmo to a few similar money transferring formats I had already been using. I added Venmo as it is an alternative payment platform provided by PayPal. It provides users with an extremely easy P2P payment format. Venmo users have the opportunity to go well beyond just paying other people. They can signup to receive a Venmo MasterCard debit card that affords the freedom to purchase whatever from virtually wherever. Regardless of purchasing in-store or online, as long as the retailer accepts MasterCard or even PayPal (Venmo being a PayPal subsidiary), it’s all good. Only downer, the balance held on a Venmo account MUST cover any transaction in its entirety as partial payments of transactions are not allowed. But I have a linked bank account that will always cover, so not enough of a biggie to warrant decreasing my rating or to provide anything less than my full recommendation for all those who haven’t already to start utilizing the awesome Venmo app by downloading it now!

- Download if you want a scam

I had Venmo for maybe two months and it was working fine until I had random transactions being taken from my bank account. I had multiple instances of random withdrawals of money from account that I never authorized, some of which even caused over drafts! The money being taken out never showed up on my Venmo transactions either! I contacted their customer support only to be talked in circles about how I need more evidence of what these transactions are for, EVEN THOUGH I DON’T KNOW WHAT THE HELL THEY’RE FOR!!! They never offered my money back, only to reimburse my overdraft fee that they caused, this app is an absolute joke and I couldn’t not recommend it more. If you want money to be stolen out of your account and then never be told why and talked to like you have no idea what you’re talking about, than it’s the perfect app for you! I use Cash App as well and never had any problems and will continue to only use them. Cash App also takes the transactions out of your account immediately, while Venmo can take several days and sometimes up to a week for the money sent from your bank to show up on your transactions. Please for the love of god, won’t waste your time on this garbage and download Cash App instead!


So I was scammed by a scammer 4 years ago ,she purchased my Chanel purse in person and Venmo me $3000 and it showed on my balance .When I got home and tried to transfer the money ,MY ACCOUNT WAS FROEN ! I reached to Venmo customer service and they never solve the problem!All they told me was “Venmo is not for business “,THEY RETURNED MY MONEY BACK TO THE SCAMMER AND LOCKED MY ACCOUNT !!THEY WERE ON SACAMMER’s SIDE ! I END UP WITH LOST OF MY CHANEL AND FROZEN VENMO !I spent 3 months trying to solve this problem!I Was so sick and tired to explain to DIFFERENT MANAGERS OVER AND OVER AGIN !!! So I gave up ,deleted Venmo and never think of it again. Today ,1of July ,it’s been 4 years , I tried to make a new account with different number and Email because my friend only accept Venmo, but my account is still frozen I couldn’t add any bank account or card .the customer service says that they’re forwarding me to another team to handle this which takes 8 to 10 business days. Overall ,been scammed is not Venmo s fault ,I have responsibilities for it ,but as a VICTIM in this case , I am really disappointed at how unreasonable they are ,only follow the policy and rules .Why can’t ppl work at Venmo be understanding ,kind ,like other bank s customer service ????Freeze victim ‘s account doesn’t makes any sense !!!!!!

- Thanks for everything you did today

I’ve truly never been more impressed with a company in regards to taking care of its customers first with a work ethic that’s spot on. I thought so highly of this team that while trying to communicate I overall made it feel like I was possibly doing the opposite and even not being honest or trustworthy. I wasnt myself when approached and I’m really going to regret my actions as it’s good focused people. I know you have to work with great people and I know I have a lot to offer. All I did was confuse you for no reason but for me to loose a chance to work with an incredible group of people. I didn’t get to show you how much I appreciate your help and consideration. I hope you give me a shot to show I was just super nervous and it made me look unworthy of the time you gave. I am embarrassed and willing to take any opportunity or loss I must to show my appreciation for you. I was amazed at how things are done for your employees. That’s what I’m most impressed by. Thank you

- Unable to Add Debit Cards to Venmo Account

Today I downloaded the Venmo app and set up my account. I was so excited to start using this app, as everyone I know uses it and raves about how much they love it. After repeated attempts (about 12) to add either of my two VISA debit cards to my Venmo account, and receiving the same error message each time (you can’t use this card in Venmo, try another card), I’ve given up hope that I will ever be able to connect either of these cards to my account, and therefore it’s unlikely that I’ll ever desire to use this app. I do not wish to connect my Venmo account to my bank, I refuse to use a credit card and incur the 3% charge for each transaction, and I’ve verified that my primary debit card is not connected to my PayPal account. I’ve read through the FAQ section, tried every bit of troubleshooting I can think of, and still I am extremely disappointed that Venmo is not the easy, convenient app that everyone says it is. I wish it were actually possible for me to at least connect my primary debit card to my Venmo account, but I guess it’s not meant to be. 1/10 would not recommend ☹️

- So close to 5 stars, but as in the real world

Just like in the real world, when you mess up, that’s usually what is remembered... When you tell customers that have your Venmo Card (physically in hand for purchase everywhere MasterCard is excepted) that when you make a purchase “we always use card balance first then reload it from attached bank in $10 increments to cover additional amount if card balance not sufficient” then that’s how you should always do it.. I made a purchase while having more than half available on card balance yet they took full amount from other Payment method and when I asked why, they sent a bunch of emails trying to convince me that that’s how they have always done it, and on same day send me purchase Reciepts where it says “your Venmo balance wasn’t sufficient to cover purchase so we added from your bank to cover difference” Lol, so you get 4 stars until you can stop emailing me with excuses and acting like I’m in the wrong ... it wasn’t a big deal to me until you replied telling me “that’s how it works”... 😉

- Worst Customer Service I’ve Ever Experienced

Hands-down the worst customer service I've ever experienced. This is not how a company should treat their "valued" customers and I will be sure to use Venmo as the prime example of poor customer service in the many years to come. My phone was stolen and hacked. As soon as I noticed my Venmo account being used, I reported it to both their security team and my bank. Once I created an entirely new bank account, reset Venmo passwords a second time, and registered the new card, I called to request it to be unfrozen. The promise was they would reach back to me in 7-10 days. After not hearing anything, I called again and they said it was still being processed. This third time they finally directed the case to an analyst “C” who will remained unnamed at this time. Then, after waiting over a month to hear back from Venmo staff, they tell me there's nothing they can do and issue me, a victim throughout this entire process, a lifetime ban from using the product. “Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service.” Is this how a company should treat any customer? Let alone one that's used their product from the start?

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- Was good-they Dont support joint accounts

They were great. Until I was had to change my bank to my husbands because we’re married. I tried to add my bank account but it wouldn’t let me. I contacted Venmo they that since my husband already was connected to our checking I couldn’t. They only allow one Venmo per checking account. They said I would have to add my debit or credit card which they will take 1% for debit charges and 3% for credit. I use Venmo more than my husband so we decided I would link my Venmo to the checking account and he would link his account to our debit card. He deleted the checking account but it still wouldn’t let me link to checking. Contacted Venmo again and they said that even though he deleted the bank, he still is linked to the account until he calls them himself to “release” his account.. suspect. My husband is a marine so he isn’t home often. He was out in the field at the time so I had to wait til he was home. But when he gets off work, they’re customer service is closed. This has been so ridiculous. Does everyone else know that their bank account stays linked even after they delete it.. doesn’t seem very cool.

- HORRIBLE money app.

I’ve only used this app for a month and I’ve had way too many problems only for them to give a stupid FAQ answer in an email and not give me a LEGIT answer. I tried sending money to a friend and Venmo said it was paid but nothing in my bank account showed that. Waited a week, money still has not gone through and still no statement in my bank account that there was even a payment pending. I assumed something was wrong with Venmo so I sent The payment again. Same thing, no pending transaction for a week. A week and a half goes by and BOTH PAYMENTS GOT TAKEN OUT LEAVING MY BANK ACCOUNT OVERDRAFTED. Venmo was ridiculous in the fact they covered the second payment instead of bouncing back the insufficient second payment. My account got frozen because of this. Fast forward, I paid my Venmo debt and have patiently waited for my account to unfreeze which should’ve been today (5/6). ACCOUNT STILL FROZEN!! AND THEY TOOK MY PAYMENT BACK TO THEM IMMEDIATELY FOR THAT! I’ve waited 5 days already for my account to unfreeze and now I have to wait for someone to email me back to unfreeze it. Once my account unfreezes, I’m transferring any funds on my Venmo back to my bank account and NEVER using this stupid app again. It’s just a headache for NO REASON.

- Debit Card and Support

I received the debit card they offer to use your funds. I have tried it at multiple atms and online purchases. It has been declined every time and has shown a positive balance since I’ve opened the account. I called the support number and the woman was very nice but said some users cards don’t always work for atm purchases and there is no reason for it and no way to correct it. I was also told the same thing with online purchases and how they may not work but that it should work in store. So I am now off to try the card for an I store purchase to see if it will work or be declined all ways around. When I asked for more information they said it’s what they are told and that they don’t know the reason and so on and so forth. I’ve never heard of a company not letting there employees know how things work as well as someone who is partnered with MasterCard and owned by PayPal. If I were either company I’d be livid that people are given no solution and aren’t using their card which in I’m sure MasterCard is losing out everyday as I was told this happens to a lot of customers and no fix. Good luck Venmo. You might be new but how you can not know about the services and products you offer is mind blowing.

- Not very consistent but useful when it works

I have my account set up to a bank card and there is immediate access to all the money I need/Venmo needs - when my Venmo account has no balance (from others paying me) it works like a charm, every time. If my Venmo account has a balance, and I want to send more that that amount, I get a message (at times/not consistently) that I need to add more money to my account. Today I was $1.05 This could be a big problem if I was trying to pay a hairdresser (or someone else) for their services because I would have to make them wait while I figured out how to pay them. I use Venmo because some people request it but I’d rather hassle with going to the bank and paying with cash than trying to figure out why it isn’t working this time (but it did last time) 😐 Maybe Venmo can explain the rationale in an e-mail to me. Maybe I don’t understand “how it works” but maybe that’s because it isn’t consistent enough for me to figure out 🤷🏻‍♀️

- Venmo is the worst!

In the beginning, Venmo worked really well for me. I was only using the app to receive payments from families that I babysit for. Super convenient. Over time, my boyfriend and I decided that we would use Venmo to save money for our trip to Orlando. On the day before the trip, my boyfriend transferred the money that we saved to my account so that I could deposit it. I tried to use the “Instant Transfer” option, but it wouldn’t allow me to so I called customer service. I spoke to a young woman who told me that there was some “suspicious activity” going on with my account. It was so frustrating because we weren’t able to get our money for another couple days. A few days after that incident, I received an email stating that my account was frozen and that I would need to send a photo of my I.D to them in order to get things straightened out. After sending the email, a lady named Vera R. (an account specialist with Venmo) responded to my email saying that my account is permanently deactivated! I was so confused and upset. Please do not waste your time with this app. It seems great and convenient in the beginning, but turns bad very quickly. Zelle is a great (and much safer) option for sending money to family and friends! :)

- Basically perfect

I LOVE Venmo, my only complaint is that it can be annoying toggling between two different banks (one checking account with my bank where all my deposits go, the other is an online savings account where I put money aside to pay off loans and other bills). So if I’m using one account for every day payments, it’s a pain to switch to the other account to take money from there. But honestly it’s not that big of a deal overall, especially when this app makes it so quick and easy (and secure) to pay people. I hate owing money, so being able to almost instantly pay someone back is amazing. And I REALLY hate fronting the money for something, and there’s always the friend who is short right now but will get you back later...and you know you’ll never see that money again. Not anymore, it’s insanely simple to pay someone (and to send payment requests to anyone who “forgets” to pay you back right away). As Rihanna widely commanded, pay me what you owe me.

- Good App

The app is convenient for payments of the recipient only accepts Venmo. Each time I have signed in to make a payment though, I have to re-enter my bank info which is not so convenient. This is not the case with similar apps. Also, I was not happy to find that my default setting allows all friends and family on social media to see who I am paying (or vise versa) and when along with any notes entered. The amount is not included but I think this is a new level of sharing. Do I really need to know who pays who and when if I have nothing to do with it? And do all of my friends and family who I am connected with through social media need to know when and who I pay? I realize you can make these payments private by going to settings and privacy. It still seems to me too much information to share. Sharing this information shouldn’t be an option but at minimum, the default should be set to private and let people choose to share if they want.

- Waste of time

I’ve have the biggest trouble trying to link any of my bank accounts or cards to my account to cash out. After reading all the help articles and speaking to my bank(who confirmed they are not denying the request, there would be no reason). I emailed customer service, who ignored the part where I told them I spoke to my bank and they said they’re not stopping or denying anything. And she send me basically a copy and paste of what the help section says. This app is super sketchy. Idk what they’ve done with it, but it’s not nearly as simple as before to use & beware any problems you have they will refuse to look into. They’ll just blame it on your bank. I feel like they just want people to leave the money so they can end up with it. Idk. It’s just at this point ridiculous the amount of effort and accounts and bank cards we’ve linked to try to transfer out $20 dollars. They accept none of them or the bank cards “aren’t allowed to be added”. Customer service was useless, it didn’t even feel like they read the email. They truly don’t care. I honestly don’t know how they’re a paypal company. Save yourself, skip this bulls hit and just use PayPal or ANY other cash app. It’s not worth the headache yall.

- Beware using this app!

I used this app for a little while with very little issues until just recently. I need to transfer $800 worth from a friend you owed me money to my bank account. They paid via Venmo and now when I do the instant transfer to my bank account, Venmo will not allow the funds to transfer. When I spoke to a customer service rep they said to use the regular transfer option and stated that it would take 1-3 business days. All that is fine but the real kicker is they mentioned that the 1-3 business days are not guaranteed. There would be a chance that they would have to delay it further if necessary. They said they are not allowed to give a reason why the instant transfer won’t work nor why they wouldn’t be able to transfer the money past the 3 business days. When I asked if it was possible my money would be stuck in Venmo they were quiet and wouldn’t give me a direct response. Do NOT trust this app. Especially with large amounts of money. It was foolish of me to be inspired by small transactions to gain confidence in them with bigger transactions. My two cents is stick with Apple Pay or a regular bank account. If I did I wouldn’t be out over $800 in a few hours. DO NOT DOWNLOAD

- No better way than kneecapping your people

Really, I never understood the functionality of this while also having PayPal. I’m in my early 30’s and I would consider using PayPal super simple to use. However, my wife has always used to app to repay people for lunch and such. Once I started doing a little Facebook marketplace shopping and used this app for myself, I instantly thought; “bye bye PayPal”. PP has its place for sure in online shopping. But Venmo is truly where it’s at if you want to pay someone quickly, seamlessly without the hassle of it failing to go through. They make it super simple to find the people you’re trying to pay (QR codes, user name search, etc) and that user comes up with a small profile picture so you know for sure who you be paying. I once had one letter wrong in money I sent to a friend on PayPal and never could prove it to get my money back. This, in that respect, is much more verified if you will. Alright Venmo; lets go shopping 💪😂🎯

- Safe and Convenient, but one thing...

Venmo is just exactly what I need. I don’t carry cash, and the small business owners and services I support only take cash or sometimes don’t have card readers. I recently had a bad experience with a different cash application where $350 dollars was taken and I had to wait a few weeks for it to be refunded. Afterwards, my bank recommended that I discontinue use of that particular app. Venmo is easy to download, user friendly, and most importantly, has proven safe thus far. My only “complaint” is that there is no need for users to see each other’s activity. I wish there was a feature to turn off the ability to see everyone’s activity. Currently, I can prevent others from seeing my activity, but it is a bit annoying seeing and unnecessary for me to know the spending habits of others. Please consider revamping the application with this in mind. Otherwise, great job and keep up the good work. You are appreciated!

- Use Zelle instead!

So I had a friend who was sending me money for some work I did and I regret saying that I would try Venmo. (since I’m already a Zelle user)When sending money with Zelle the person receives it instantly and does not have to pay a percentage fee. I was willing to pay the 1% fee to receive my money instantly, however, I kept receiving an error message stating it couldn’t go through instantly. I called the Venmo customer service line and received absolutely no help from the person I spoke to. They said they didn’t know why I couldn’t use instant and stated that it would continue to do this for me, even in future transactions, and it wasn’t because my bank wasn’t a part of their instant program. Upon researching online, I see I’m not the only person who instant will not work for and who didn’t receive any help from Venmo customer service. I had to then select to wait 1-3 business day’s for it to go through, the app said it would go through the next day, but lo and behold tomorrow will be day 3 and I’ve yet to get my money. Completely unsatisfied. If you want your money instantly... just use Zelle! Never had any issues receiving or sending money through them.

- Too easy to scam

I wish I could give this zero stars. Yesterday I attempted to send money to my brother. The app has access to my contacts so I searched for his name/number and send him money that way. It did not tell me that he didn’t have an account already. I get a notification that he accepted my referral and created an account then accepted my payment. My brother and I are chatting about it and he tells me he did not do that and when he tried to create an account later last night it said his number was already in use. So some random person now has my money and I assume by now has deleted the account as they no longer are responding to my comments or money requests (just for my initial payment amount.) Venmo support has been useless so far. I will be disputing this with my bank of course but beware to all users. This is the exact reason people fear this type of payment method, too easy to scam. Also, while the referral feature makes sense, it shouldn’t auto send payment after it. It should ask you to confirm payment amount again AFTER an account has been created. Would have prevented this whole mess, because by that point I knew it wasn’t not the right person.

- App support is terrible

Their support has terrible waits, as well as being generally unhelpful, I had my account set to block online transfers and made a payment to my spouse for bills, and saw it had blocked, so unblocked and sent again, this was my mistake. But we figured if she only accepted one, it would just come back. Well, the accept button I’ve found is useless, once you send your money, it’s gone. And no one can help you recover or cancel payments, regardless of when you catch it. They just keep repeating the same script to you. There should be more safeguards in place to help for things like this, and money shouldn’t just transfer without someone on the other side accepting it. I had them tell me over and over that “the other person accepted it”. Which is not true, I live with her, and I saw it on her phone. So I guess I’ll just have overdraft fees now thanks to their customer service not being able to do anything to help.

- Horrible App

This app was pretty easy to use, and I was able to send money easily. When it came to receiving money, I just wasn’t able to. I went through my bank app, and venmo had no problem taking money from my account, but I didn’t see any money being added to my account from venmo. All the times money was sent to me appeared in my venmo history, but somehow that money didn’t get to my actual bank account. Then I realized that VENMO had all of my money that had been sent to me. They obviously have my bank info because they are able to withdrawal money... I tried to log into my bank account (like I do almost every day) and it said my info was wrong and they threatened to lock my bank account. I’ve had money sitting in this app for months and venmo didn’t bother to tell me and had me figure it out myself. What’s even worse is that they aren’t making it easy for me to get the money. They’re just waiving MY money over my head. I would delete this app, but it has over $200 in it, so that’s not an option. It would be great to get some answers, but the creators of this useless app are too busy sitting on thrones of cash to actually care about the people who use it.

- Verify your account? More like verify someone else’s and lose your money!

My boyfriend and I have been using Venmo for some time to pay each other for rent or other expenses we decide to split the cost of. Well, I recently sent my boyfriend $250 for this months rent, he transfers the money to his account (which happened successfully in the past) and never received his money. After a week he reaches out to them, and they claim they never verified his account. Now if they didn’t verify his account, where’d the money go? Well, it turns out they deposited the money into another persons account through the same banking agency with a similar last 4 digits of their account # (only found out after investigating with the bank since the online representatives continuously kept leaving our chat when trying to get to the bottom of this). Venmo claims they cannot do anything about getting the money back, even though they didn’t verify the account, and yet transferred the money successfully in the past AND are the ones that processed the payment to the strangers account even though it’s not the one that appears in my boyfriends Venmo account. Absolutely ridiculous, do NOT ever use Venmo!

- Works great, until it doesn’t.

Venmo has worked great for me for the last few years, until this year when they froze my account one day out of the blue. I never received any info about it being frozen in the first place, I figured it out when my roommate tried to pay me for our groceries and the payment didn’t go through. I emailed costumer support, and it took them 5 days to reply in which they told me I had “violated the terms of use” and they were to be terminating my account. I tried emailing them back asking for a simple explanation of what I did wrong, but I’ve yet to hear back from anyone and I doubt I will. In the end, I have no idea why my account was terminated and there’s no way to recover the little bit of money that was left on the account. I feel scammed. I used venmo occasionally for work, to pay for groceries amongst my roommates, and to donate to fraternity/sorority charity events on my college campus. Why they chose to terminate my account, I’ll never know. If you choose to use this app, make sure you read the 25+ page terms of service when you sign up, or they’ll terminate your account and keep your money after being a loyal costumer for 3 (or more) years.

- Terrible app

I’ve been using Venmo for a good time now, and for the first couple of months it was a breeze to do transactions. However, my first problem was when someone accidentally sent me money, a complete random person, and I sent it back within a few hours. The person had already reported me for this, and all my Venmo balance from the past had been frozen. That isn’t the first problem. My second problem was their customer service, telling me that I couldn’t get my Venmo account unfrozen. Completely ridiculous. My third and final problem was before I even had my account frozen. I had been using my cc, and I tried to make a payment once. Kept declining so I called my card company. They said it was Venmo declining the transactions for security reasons, I reached out to customer service and they said they couldn’t help me. I removed my card, said it was allowed to be used on Venmo, but I already had been using this card before and made several transactions. I cancelled my card and got a new one, which I tried putting on Venmo but it wouldn’t work. This is a completely ridiculous app that only cares about themselves, and not their customers!!!!!!!

- Will not use them again

I did not use the account much, used to pay bills for my son. Tried to set up an account for my son, so we each had one. It let me change the user name and email. Figured that my son was using it to pay bill and the contacts where all in the account. Then make a new account so we each had one. They would not let us do so. Well after chatting with the a few times over a morning they said the new number was taken. So we had to prove we had the cell phone. I sent it over and had to check in with them a few times just to find out part of the info was missing. When I screen shot it some how it was over looked. Could they have not reached out to me and told me that. Glad I was texting them for updates. After all of that they said it would take 3-5 days to make sure the number was mine and they could release the number. So now waiting for this to be completed they deactivated the one account that was working. I am not going to wait and sit on hold again for what??? So we are now using a different app, that we set up with out problems in 25-30 minutes. Don’t waist your time with this one.

- Venmo Is Great for Musicians!!!

As a musician and a band director, I'm always on the go, which means that sometimes I forget to bring my checkbook to a gig. Musicians should never be paid late. Their paid to perform, not paid to wait on checks. This app allows you to quickly and seamlessly transfer money back and forth between clients, friends, and family members. I was reluctant at first, preferring to never enter my bank information online. I've been with them for two years now. I've transferred payment many times, and have done so without a single breach in security. Here's the kicker: It's all been free! I wholeheartedly endorse this application, and it has become my primary tool for sending and receiving payment! Keep up the great work, Venmo! Thank you for your updates, thank you for your quick service, and, most of all, thank you for the peace of mind that comes with knowing every payment is fast, secure, and confidential!

- They took $285 from me DO NOT USE THIS APP

This app doesn’t even deserve a star. I didn’t even want to download the app but my husband insisted because he uses it. This was actually my first time using it so I could pay a bill while he was away. Long story short my husband sent me $285 from his personal account, they instantly took it out but it wouldn’t transfer into my personal bank account through the app so I sent it back to my husband so he tried to send me a smaller amount. That didn’t work either so I sent it back. Next thing I know my husband and I received an email saying we violated their user agreement and our accounts are permanently deactivated and can no longer use Venmo. So I emailed them Sunday March 31st asking for a number to call so they can send the $285 back to my husbands personal account and their reply was their offices are closed so I can expect a reply during business hours Mon-Fri Mind you this all happened a WEEK AGO. No one has contacted me back and today is Tuesday. I don’t care about using their app I will never use it ever again; just send my husband’s money that you guys took! That’s the least you guys can do. Now we’re behind on our bill.

- Not reliable whatsoever.

I REALLY thought this app would be reliable and convenient! It made it easy to pay my boyfriend back for groceries and my roommate for rent. Now, it takes DAYS for my money to get to my roommates’ bank funds (no quick deposit available for him) and I can’t even quick transfer a measly $25 into my account from the app! When I called a representative she literally told me that for some unknown reason, the feature is no longer available to me. Even though it had been for months now! She told me she had no way of knowing or overriding the block on my account. Then what do they even have customer service for if they don’t know how to help customers? And this isn’t the first time it’s happened to me... from now on whatever money someone owes me, I’m just going to go straight to the bank and deposit it. That in itself takes away the use of this app- I mean if it actually worked properly, it’d be amazing! But that it does not. Furthermore, my mother had her funds of $400 just disappear once when transferring them to my brother’s account. If you don’t want your money to be mysteriously floating around and disappearing on an app, STAY AWAY from Venmo.


Venmo has no security or regard for people’s money or safety. They advertise it as an app to transfer money but they do not let it commonly known to people that it should not be used to pay people for goods/services unless you are a lawyer and read through 25 pages of legal documents. If you get paid through Venmo, then Venmo can reverse the transaction without your approval and not provide any protection. There is no way to file a claim against Venmo and they will reverse your transaction after you think it’s already in your account. They don’t care at all about their users. I know a lot of people who use Venmo to pay people without knowing that it technically violates their terms of use because most people do not read through 25 pages of user terms and since it is owned by PayPal it is very confusing to normal users since you can use PayPal to pay people. Very deceiving and unethical business practices. I recommend people stop using Venmo and letting their friends know that their money is not secure. Venmo does not verify accounts or payments at all, so you cannot trust that you will get your money. I emailed customer service and the CEO but they don’t care and don’t even respond.


THIS APP IS NOT READY FOR USE!!!! IVE HAD TO WAIT ON MY MONEY THAT I REALLY NEEDED MULTIPLE TIMES BECAUSE OF THIS APP!!!! It’s like every transfer has a problem!! Anytime a friend sends me money for something through this app I end up going through hell and having to get more money because I can’t get a hold of the money I was just sent!!!!!! This app is a big inconvenience and shouldn’t be rated five stars or even on the market with these issues!!!!!I verified my email, my identification card, and everything else they’ve asked for!!!! My account has been frozen then unfrozen and all!!! so why am I still having problems??? Their customer support has no live contact option due to Covid and it’s really hard to chat with them about the issue you’re having. After all of the times I’ve had problems with them I am still here have a one right now as of today,I have about $100 that I needed to go onto my bills from a friend and it’s just stuck sitting there in Venmo. They constantly say it’s either your bank or that the transfer just couldn’t be completed,Someone really needs to handle this or Apple really needs to stop doing business with this app!!!!

- A JOKE masquerading as an app!!!

I am not going to go on and on about the emotions I experienced when attempting to use Venmo. The facts will hopefully be enough to keep you away! I first downloaded Venmo to my laptop and it wasn’t until I had spoken with my second “customer NO service” rep that I found that you cannot send money from your computer, only from the Venmo app. And that’s only if you’re lucky! My multiple attempts to send money were inexplicably “blocked” by the system. NO explanation from either of the reps. Plenty of funds were and are available! Both recipients “friends” are valid and in good standing in the their system. The “best” resolution i was offer by the NO service rep was to wait a couple of days and try again. Seriously! Who would actually be insane enough to wait a couple of days and repeat my behavior in hope for a different result! Get the point? There is no customer service! No one to speak with who may be able to answer your questions or resolve your issue. Apparently Venmo has skirted along with worse than non existent customer service all the while garnering high reviews from their fortunate few. PASS on Venmo!!!!!

- Horrible experience

Horrible experience with my funds being stuck in Venmo when instant transfer stopped working... only option is to give all banking info to do a standard transfer .. can’t use ANY card to receive transfers when this happens.! The very rude customer agent told me “send the money back where I got it” ( which wasn’t an option because it was for services rendered) or do a standard transfer (also not an option being that I’ve had banking info compromised via PayPal & this is a PayPal platform) do my only option was to transfer my money to someone else to have them transfer it to me on cash ap (which I had to pay fees in both transfers) .. meanwhile all they can say is there is no supervisor available just try your instant transfer later and see if it works because they had no answer as to why it was not working. I will be deleting my Venmo and the ap and will no longer market or promote or use it as a payment option for myself or my businesses.

- Get Help?

Venmo, all of a sudden, became like cable companies. When an issue arises, you sit with a bunch of well trained apologists that refuse to do anything but shift blame. Venmo skipped using my preferred payment method and used my company credit card, which was not marked as “preferred” in any way. The money was in the original account but somehow they couldn’t get it. Instead, they opted to use an inappropriate credit card without first requesting or mentioning it. Then they strong armed me because actually attacking the abuse of this problem would be a far worse abuse than I’ve encountered this morning. Then their customer service reps, after not servicing their customer, acted as if they were taking the high road by not helping. Needless to say, they’ve lost one customer, but nothing will actually happen until everyone is a bit more discerning with these huge corporations. I encourage everyone else to find another way to send money, possibly with a boutique version of Venmo, so they get the message that this version of “customer service” is an embarrassment to society and a huge embarrassment to the people employed in this work, and the distortion it must create of their perspectives.

- What supposed to be an instant transfer...wasn’t!

If there were ZERO starts I would give them that. My boyfriend transferred me $ through Vebmo by my request and I’m still regretting it. No such thing as instant transfer. He transferred it last night, it’s almost 3pm now and the system doesn’t allow me to transfer the $ to my bank account. I thought this was going to be faster than doing it through my bank account. I called Vebmo and their logic is that ‘the account has red flags and they couldn’t pin point why it has red flags. Their suggestion was to use my bank account which takes 1-3 days or get frozen longer if they find red flags.’ Idk what they mean with red flags! They never explained ! And they don’t know what else to say when you ask more questions and they cut you off and say,’is it something else I can help you with?’ Dang, they didn’t help me at all!! I think they want me to take my $ lil by lil so they can charge me more. They charged my boyfriend $90 for sending me money. They’re taking $10 from me for transferring it to my debit card and still can’t get my money? Unbelievable!! I should of have used Zelle!! Last time I use this app. HORRIBLE experience!!

- Venmo/paypal steals from customers

As with any paypal-owned company, I kept zero to minmal balance in their hands. They froze my account a couple of times, demanding various sensitive personal identity or financial documents, to be delivered to them via plaintext (read; insecure) email. I refused and uploaded via https to their support site instead. That prevented them from seizing my funds until one day a friend sent over a three-figure amount for a plane ticket. Shortly thereafter, they froze my and my father’s accounts permanently, when 2 out of 10 small payments failed due to the VISA debit card refusing authorization. The “account specialist” “gustave” is a particularly nasty piece of work, always closing my tickets as “resolved” after demanding a large number of ID and financial documents which obviously takes time to assemble but I eventually all provided. In the end, Venmo has permanently shut down my account without returning the three-figure balance I have. An internet search turns up thousands of similar horror stories, with people losing even more than what Venmo has stolen from me. Avoid it at all cost. Paypal/venmo personnel should be individually snd jointly prosecuted for their criminal enterprises.

- I’m going to quit the App

This is recent but nearly every other time I go to use Venmo, I get the message that it’s has “lost connection to my bank.” In order to fix it, I’m apparently not allowed to follow the link it offers me to “update my account” oh no, if I do that, and go through the process and follow all the prompts it will then inform me that my “bank is already on file.” So I’ll have to remember that no, what I REALLY need to do is cancel the payment I’m trying to do, exit out and go the home screen and search through menus until I find where I can make it forget my bank account. Then I have to login again. This can happen multiple times in a day. I don’t what the hell is going on but I’m in the process of figuring out alternative services and plan to take as many people with me as possible so they don’t have deal with this embarrassing display of incompetence on the part of a company that I’ve enjoyed for years

- Don’t use will steal ur money!!

I have been an avid user of Venmo for over three years now transferring min. Of a $1000 per month with this app. I recently transferred funds to a employee of mine, he had a new account and they wouldn’t let him transfer the funds for 3 days. So he got a little upset and they froze his account and I messaged the customer service trying to cancel the payment since Venmo refused to allow him access to the funds or unfreeze his account. They said I violated their user agreement and froze my account. After multiple calls, and emails they finally transferred the funds back to me on their app. But with my account frozen it has caused me enormous amount of money and time, with auto payments bouncing back and unable to make my monthly rent payment could potentially cause me to become homeless since that is the only form of payment my landlord takes. So I would highly recommend NOT using this app unless you want your money frozen and NEVER RETURNED!!! Still waiting for the $400 back since they still refuse to unfreeze my account simply for questioning why a payment was held. Don’t go to customer service or they will freeze ur account!! Beware!!!


Venmo is a joke. Venmo decided to charge my bank account 170$ for a charge and said my balance was negative because my bank didn’t pay. Granted I have the charges stated as completed by my bank with trace id numbers to Venmo. Instead they decided to remove the 170 from my Venmo balance on top of the 170 they removed from my bank so now I’ve paid double and had my account frozen. After 3 weeks of customer service battles they said my money would be returned, only to get an email stating that they don’t see any charges and that I should dispute It with my bank. So I did. My bank returned the charges to my account. Today I received a payment from a client for 177$. Ironically enough I check my Venmo balance and only see 7$. 170$ removed from my balance? Not a coincidence. THEY CANT FIND MY PAYMENT, BUT WHEN I FILE A CHARGEBACK THAT ARE ABLE TO SEE THAT AND TAKE MY MONEY AGAIN? Today marks round 7 in this Venmo bout. DO NOT USE VENMO. Your money isn’t safe

- Don’t even know where to begin

I’ve had so many issues with Venmo. I once entered in a new card and when I tried to use it to send money, it didn’t work the first time. I tried again and I thought it worked, but instead it pulled money out of my other account and I had to pay a $60 overdraft fee to my bank. I tried multiple times to contact Venmo about this issue, but it always directed me back to a “self help” page. It also won’t let me change the phone number linked with the account so every time I have a new device it’s an extremely annoying process of trying to sign in with my card and won’t let me hit confirm. To avoid the instant transfer fee, I always try to do the wire way but when it asks me to log in to my bank, it asks for more information than I have available to me. Maybe I’m just bad with technology or really unlucky, but this app frustrates me to no end. Unfortunately, my friends all rely on me using Venmo and I don’t have much of a choice because I’m too afraid to carry cash on me, so I guess I’m stuck with getting screwed over every few months.

- Sometimes it’s fantastic other times 🙄

I have had money frozen or inexplicably disappear. I have recently had pieces of digital media (expensive Windows 10 apps) that are non-subscription based, after spending literally DAYS worth of real-world hours on them and going as far as paying for extra add-ons on said apps suddenly appear as “disputed purchases” literally multiple months after the fact inexplicably. I cannot recoup these funds, time, energy, nothing; not can I get an adequate explanation. Things like this are entirely unacceptable. Worst of all are some “instant transfers” that are inexplicably rejected for vague reasons. I end up having to send the money via Venmo for a fee (outrageous!) and have them take the cash out for me IF it isn’t “frozen” for some nonsensical reason of “suspicion.” It’s my money, you get your service fees, stop with the nonsense. You are literally screwing with people’s livelihood. There are MANY other services offering the same thing as Venmo where none of this happens. Sincerely, a beyond frustrated Venmo user.

- Not for internationals: Worst money transfer app EVER

I would give this app a negative rating if I could. I am not one to leave reviews. But my experience with Venmo has been so absolutely terrible that I want to warn further users. If you are an international student, Venmo can freeze your account and and money you have sitting there will become indefinitely inaccessible to you. Venmo supposedly froze my account with notice (I received none) when I tried to deposit my funds into my bank account. However,I had been able to send money to colleagues no problem. When I realized I could not deposit my money, I called Venmo and I was told my account had been frozen for some unknown reason and that I had to email to find out. I was eventually told I need to provide a US issued ID to prove my identity . Which I do not have , being Canadian. After multiple emails back and forth I was essentially told my money would remain inaccessible to me unless I provide the right kind of ID.. so unless I miraculously wake up with an American passport tomorrow, my money belongs to Venmo indefinitely. This is the most insidious and disgusting policy and treatment. Absolutely terrible.

- People Getting ripped off by Venmo

Thousands of Venmo customers are getting ripped-off because of Venmo policy. Venmo is allowing scam artist to defraud your customers. ( Shame on you Venmo )!!!! (Shame on you Venmo!! ) (Shame on you Venmo. !!) (shame on you Venmo!! ). Because your company is getting so big , you don't care about your customers getting ripped off by scam artists !! your policies allow Financial manipulate of your customers by reversing a charge after-your customers agreement. (Please stop the scam artist from ripping off your customers) make all payments final . All transactions should be final. Please take care of your customers !! it saddens me to read about tens of thousands of people losing their money because of the Venmo !!! The Sad part is you don't care. Actually when you think about it!!!!! Because Venmo is allowing this to happen. Venmo becomes a scam artist !!! If you were a small business you would never allow this to happen , because you value every customer. Please let me know by text or a phone call or an email what you're doing to resolve this situation thank you very much Mike Book

- Sleazy business practices undercut good functionality

In summary: release your app for iOS 10 if you’re going to pop up an in-app dialog prompting me to update in order to use instant transfer, you *?£¥s This company has enticed a number of people I deal with into using their money transfer service. They're now in the process of removing payment functionality from their website, forcing use through the apps. The app works fine; the people who are executing this business strategy are contemptible trash. Avoid this service if a network effect doesn't force you to use it. PS. Because their instant transfers now are 1% of balance rather than a flat 25¢ the app demands to be updated before allowing instant transfers at all; however, no updated app is available for iOS 10, making instant transfers impossible. This could have been avoided if this capability was built into their website. Amend the above denunciation to “the people who are executing this business strategy are contemptible, incompetent trash”. You should seriously be embarrassed to be part of this company. I hope to never have to receive money through this service again.

- What? The what?

So, I have used the app for awhile now (at least a year). I have NEVER had an issue with instant transfers, EVER. I use this as a payment option for my customers, because it was pretty slick (instead of waiting for checks in the mail...which isn’t safe). But now, that option is not available on this transfer? After being on-chat for an hour(!), and asking very general questions, because I know they can’t give specifics on my account (which is fine), she ended the chat with, “The systems know.” No real explanation as to how I could fix the issue going forward or things to avoid to ensure I don’t have this issue going forward. What? Literally, she ended the chat because she couldn’t answer my question. So now I sit here trying to figure out how to move forward with this app. Do I continue using it with the hopes that it will resolve itself? And that I can get my money? Or do I delete it and go back to the old ways of cash or check? My consumer confidence just nose dived. I seriously cannot believe the lack of knowledge given to customers.


So I had been using venmo for a while and had no issues sending money to friends and family, until randomly the instant transfer stops working. Weird so I try again, not working, then it works, so that’s issue number 1. Issue number 2 is I run an offerup flip business so for a few of the customers they chose to pay with venmo. I tried to transfer $810 to my bank, to which I noticed the day the transfer should have completed, it said it was cancelled and the funds were returned to my balance. I check my balance, $10. I had $100+ in my balance even AFTER the transfer so not only did they seize my $810 transfer after I’d already delivered products, they seized me $100+ balance as well, THEN froze my account when I reached out to customer service. To which I was told that I had violated their policy, (they didn’t state which one), and that the money couldn’t be returned as the payments sent were all reversed already. My customers got refunds for products sold, and few decided to send the $ back. So i’m out nearly $1000 and Venmo never emailed back after their “3-5 day investigation”. DO NOT USE VENMO.

- Horrible experience with this app

November 6, 2019 I tried using Venmo for the first time. $1,200 was transferred to me through Venmo from a tenant renting my home. When I went to transfer the money to my bank account it just vanished!! To this day almost a month later I STILL do not have that money. I have tried talking to the “customer service” representatives and they don’t care. I have done what they asked by sending in documents from my bank stating that they do not have any records of that money in my account. On November 19, 2019 a “supervisor “ named Michael H. told me that he would take care of it and the money would be back into my account within 5-7 business days. I have waited patiently for 9 business days to reach out and ask him what’s going on, and he proceeds to tell me (via email) that he is going to need more documents from my bank, AND that he is passing me on to someone else in another department!! I do not think that this is fair that I have to jump through all of these hoops and wait this long to receive MY money that I NEED. I am writing this in hopes that someone in this company will read this and give me my money!!!!!


I’ve constantly had issues with Venmo. One time money in a large sum was transferred into my account from someone I didn’t know and I thought someone had hacked my account. I immediately reached out to Venmo to resolve the issue only for them to shut down my account and say I went against their policies. All because I said I believed someone hacked my account and I didn’t know what to do with this money I had received?! It took months to resolve and to reinstate my account. Now, my mom transferred money to me and it’s been more than 3 business days, no money. I try chatting with an agent to get kicked out of the chat 3 times because they never responded. They didn’t answer their phone. I sat on hold for over a 1/2 hour and I emailed them with no response. Then I get a notification that a user has been added to my account from Mesa Arizona. I don’t even live in Arizona! I’m just so upset that Venmo constantly has issues and their customer service NEVER answers. I hate that it’s so widely used by everyone I know or else I’d never use Venmo again. Just so many issues especially with hacking and they just brush it under the rug.


Recently had the WORST experience ever, customer service department and compliance department and all those in between do NOT communicate internally and causes misinformation to the customer. After trying to send money to a friend for a girls trip to Cuba Venmo held my money up in their compliance department, I followed their processes to provide details but requested that after jumping through all those hoops that they just cancel the transaction once it met compliance requirements. They made me submit itinerary and other personal information to get the transaction out of the compliance department so it could be reversed. Jumped through all of these hoops and they just processed it anyway, against what we had disused (by that time I had just opted to use PayPal instead since it’s easier). Long story short Venmo didn’t cancel the transaction once released from compliance as they said they would. Totally screwed up my finances with the duplicate transaction, and customer service was of NO HELP. My advice - STAY AWAY. Cash app, Paypal, Zelle, etc serve the same function without 1/2 the trouble and WAY better customer service. If I could give ZERO stars I would.

- Horrible customer service.

I will change my review when something is done to help me access my account. I have been trying since February to get in to my account. I have changed my password countless times. And for some reason my app thinks this a new device. But I have had it for years. The bank information on the account I no longer have that account has been closed. The card is expired. I do not have it. I have told customer service this before. My phone number I had to change because I moved to a cheaper phone plan. I have emailed I have talked to and I have messaged your customer service reps and I have received no help. Due to the pandemic money has been tight and my services are turned off. So no I can not call customer service. What I need is an answer to what I need to access my account. I have sent my information through email and once I did that I stopped getting a response. So what did this person do with my information. Why have I not received an email or message back from anyone. This is very concerning to me. My information is not with someone and I still have no answers.

- Payments Declining - Zero Customer Support

I received an error message that my payment was declined and that I needed to try again at a later date. I contacted Venmo support and they told me that this generally happens when a transaction has raised a security flag. My issue is that they were unable to tell me WHY it was flagged and were also unable to provide me with a resolution. Their only response was to try again at a later date or to use their parent company, PayPal (LOL), to send a payment. How can you tell me that a security flag was raised but not provide me with the reason WHY it was raised and also fail to provide me with a resolution? Telling me to wait and try again later without any reason or timeline is absolutely ridiculous. It is sad that this company is having their employees respond to customers this way. I contacted Venmo several times on this with the same results so I can confirm that the poor service is a company issue and not just from a poorly trained employee. TLDR: My payments were declining. They told me my account was flagged as a security risk but couldn't tell my WHY and couldn't tell me how to fix it.


i’ve never had a problem with venmo before, but 3 days ago someone sent themselves 800$ from my account. i emailed venmo the same day it happened.. they said i should hear back in 24 hours, but i didn’t so i thought it was a glitch & nobody really took my money. I noticed yesterday from my bank account that they took my money, i emailed them AGAIN.. said i should hear back in 24 hours. this morning i joined their chat that is through the app. they told me & i quote, “well why would you send someone money if you don't know them..” that’s the thing i don’t know whoever took my money & as i tried requesting my money back.. they blocked me. all i’m asking for is my money back. they told me it’ll take a couple weeks for them to do an investigation & to reach out to me. meanwhile my bank account is negative, i lost my job due to covid-19. i didn’t get a stimulus check since my dad claimed me as dependent.. even though i dont live with him. & i somehow didn’t qualify for unemployment, even tho the rest of my ex coworkers did. Venmo support was not sympathetic at all. & ended the chat when i told then this.

- Awful.

This company is rated as an alert on BBB and after having my account frozen for no reason I have to wait 180 days while they hold my funds to even speak to someone. I got one message that was automated and it’s something everyone gets when they freeze accounts. They don’t care if it’s a mistake on their end simply how someone names a transfer can get you frozen. Someone sent me money from a recent trip we took and named it (golf clubs and balls) because we rented equipment and he was Paying Me back and it got my account frozen and deactivated and I cannot get the money back for 180 days. Absolutely garbage customer service on Venmo’s part. The call portion is only customer support not an account specialist and they have no authority over your frozen account. Also you cannot speak to an account specialist anyway but through email. After doing research, Venmo has done this type of thing to thousands of people and they simply do not care. Please don’t use this app. Also, I’m not allowed to cancel my account until after 180 days as well so they force you to keep an account with them for half of a year.

- Terrible

I have had my account since 2016, I called customer service to report a problem I needed help blocking someone for leaving disrespectful comments on my transactions and the app wasn’t working. After talking to customer service they told me they had blocked the person causing me problems. One hour after I got off the phone with Venmo customer service they froze my account and asked for proof of identification. I provided proof of identification to them and informed them I was using my maiden name because I was going through a divorce, the name I was using is my legal birth name, it appears on my birth certificate. I waited for Venmo to respond to my email only to find out they closed my account with no explanation as to why they closed my account. Hundreds of people have opened Venmo accounts because I referred them to this service plus I have spent hundreds of dollars in transfer fees only for Venmo to close my account with no explanation as to why they closed my account after many years of this service Apple Pay, Google Pay and Square cash will get my business I will never do business with Venmo again.

- Terrible customer service

I am a first time Venmo user and have had nothing but a bad experience from day one. After finally getting my account set up and trying to send money I was declined over and over again. When I reached out to the web chat for help they gave me a generic response about how I had to try again later or use another service provider. After trying several more times to make different payments on different days and still getting declined, I figured maybe I was doing something wrong so I reached out again to the web chat. Once again I received terrible service. They told me word for word the exact same response as last time but when I questioned them about how this problem could be resolved they only said to use another provider like PayPal. That is not a resolution that is avoiding the problem. When I highlighted the fact that this was not a solution and asked when this would be fixed, I was completely ignored. The agent just stopped typing to me. I am highly disappointed in Venmo and am extremely turned off to using this service in the future!

- Do not use sketchy even BBB reviews have 1 star on this Company

If you have doubts on my review and wondering where all the REAL negative reviews are and issues with Venmo please check out the better business bureau website on this company. I should have and it would have really not made me want to download this app. Also I’m not the only one they froze my account on. Just seen another person post they got frozen out of no where. I’ve had Venmo for a few months now. No issue at sign up. Now out of no where when I’m finally using it to transfer my Uber and lyft money to my accounts faster they want me to upload my ID. You would think a professional business would want an ID up front at sign up but nope. No one that I know of has ever needed to do this. Normally when an app requests an ID this automatically calls out red flags and scam all over the place. With that being said they have stolen my money and I can’t deposit my venmo balance to my bank account. Will be sending this comment to the better business bureau and if I can yelp, google review and anywhere else I can get the word out User beware.


I applied for a Venmo card and sent in all the information they ask for. I received an email saying my account was permanently deactivated. They did not apply any reasons why just said “several concerns we saw”. I even called the company asking them to explain to me. They were very vague and kept saying our department is not involved with this. We can’t help you that department only goes through emails. SO MUCH FOR CUSTOMER SERVICE!! When I asked for more information through email they basically said please don’t contact us anymore the case is closed. I was not provided a reason nor a chance to get my account reactivated. Definitely taking my transactions to cash app now!!! My friends also had previous problem with their account being deactivated as well after transferring funds...This is absolutely ridiculous never have I seen this before. They go around permanently deactivating accounts with barely an explanation. This is disgusting!! There is even a whole article on buzzfeed with people experiencing the same problems. Some people losing money due to their account being disabled.

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@bhighphoto @digitalburp Wait till you look at my Venmo feed 😉


@radeyahradeyah @elonmusk check ur venmo

🌱Lisa Marie McD🌱🌊✊🏿🌈

or Venmo Kindnessempire. #earthship #earthshiphaiti #goodgivinghaiti


@Badgirlsbedhead Please, help. Needing to raise $200 by Dec 31 or back on the streets. LA County has the highest COVID cases in the country. I just want to stay inside. $DreamerDK Venmo @dmekim

The Awesome With Autism Show

I just created a @venmo for the show. Working on setting up the business profile. Links will be provided in my in my profile and in the description of each episode on the @YouTube channel. I feel old not having done this ages ago. 😁😄

The Last Talk Show

If we get 10 MORE SUBS in 10 MINUTES, 1 person wins $10 💸 💰 Subscribe 2 Our YouTube then DROP YOUR VENMO OR PAYPAL 👇👇


@TJKollyn Okay ill get u tendies venmo dosh and ill get it for u

Oliver 🏴🐇🐈‍⬛

@VincentTweten Drop the Venmo I’ll tip for you


my brother sent me $50 on venmo for christmas and i sent him $50 back, also for christmas


I hate asking again but could you guys donate so I can buy some new underwear and bras, all of mine are literally falling apart I also don't have any socks and only own like one long sleeve shirt and I live in its awful

goddess nicole y miguel 👑

you’re mad cause i’m cuter than the girl that’s with ya, i can talk about it cause i know that i’m pretty and if you know it too then send more money to mee ✨ cashapp/venmo yourgoddessxo4 findom paypig humanatm cashslave cashcow cuck cuckold feet humiliation

Anthony Clark

If we all exclusively use Venmo, we can end fractional reserve banking once and for all

🌱Lisa Marie McD🌱🌊✊🏿🌈

If you can help, we are still desperately hoping to raise funds. You can donate via or Venmo Kindnessempire and spread the word to 5 other people and ask them to do the same, then a chain of $10 or $20 would a long way!

Venmo Support

@britt_vaughnn We are sorry to hear of the trouble you are having. Please DM us the full name, email address, and cell phone number on your Venmo account so we can look into it for you. Please also include your current email address and the issue you are having updating to it.

Venmo 8.12.1 Screenshots & Images

Venmo iphone, ipad, apple watch and apple tv screenshot images, pictures.

Venmo iphone images
Venmo iphone images
Venmo iphone images
Venmo iphone images
Venmo iphone images
Venmo iphone images

Venmo (Version 8.12.1) Install & Download

The applications Venmo was published in the category Finance on 2010-04-03 and was developed by Venmo [Developer ID: 351727431]. This application file size is 228.62 MB. Venmo - Finance app posted on 2020-12-10 current version is 8.12.1 and works well on IOS 11.0 and high versions. Google Play ID: net.kortina.labs.Venmo

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