Do You Need a Card for Venmo? (All You Need to Know)

Venmo is growing in popularity in the United States as a convenient app that allows you to send money between friends and family. As well, it has become more popular with business owners. 

However, with a growing user base, many people would like to sign up for Venmo but have certain questions or limitations. For example, can you use Venmo without a debit card? This article has all the answers you need!

Do You Need a Card for Venmo in [currentyear]?

Venmo users don’t need to link a debit card in order to use their account in [currentyear]. In fact, it’s possible to receive and send money using Venmo without ever linking a bank account or card. However, if you want to withdraw cash from your Venmo account without a debit card, you will need to get a Venmo Debit Card.

Using Venmo without a linked debit card is actually quite simple, but there are some important facts you’ll want to keep in mind, so keep reading to learn more!

How Do I Get Money From Venmo Without a Bank Account?

If you create a Venmo account but don’t have a bank account linked to it, you can keep the money you receive in your balance and use the app to pay people. 

Another option is to sign up for a Venmo Debit Card. 

The card will allow you to withdraw cash from ATMs out of your Venmo balance and pay for goods and services anywhere that accepts Mastercard. 

If you have a Venmo card and you want to withdraw cash from your account, visit an ATM and do a cash withdrawal the same way you would do a normal withdrawal from a bank. 

What Is Required to Use Venmo?

In order to use Venmo, you’ll need to be physically located in the United States and have a U.S. cell phone that can receive text messages from short codes. 

As well, you must be at least 18 years old to open a Venmo account, and the app must be updated to version 7.32.0 or newer. 

How Do I Use Venmo for the First Time?

How Do I Use Venmo for the First Time?

To open a Venmo account, you first need to download the Venmo app or go to 

Next, you will be asked whether your account is for business or personal use. 

Personal accounts are for sending funds between friends and family, whereas business profiles are primarily for receiving payments for goods and services. 

Once you create an account and enter your address, phone number, and email address, you can start using Venmo. 

Note that it’s strongly recommended that you verify your identity on Venmo using your SSN or your tax ID number. 

In fact, this is required by federal law if you want to store and send funds from your Venmo balance. 

Once your identity has been verified, you can send money to others using the balance stored in Venmo from people sending you money. 

You don’t have to link a bank account, but you will need to if you want to transfer your Venmo funds to your bank. 

Can You Use Venmo Without Linking a Bank Account?

You can use Venmo without a linked bank account or debit card. 

You won’t be able to transfer your funds to a bank, but you can still receive funds and store them in your Venmo balance if you’ve verified your identity. 

With a verified personal account, you can send money to others using your Venmo balance without the use of a linked bank account. 

Can I Pay People Using My Venmo Balance?

You can send money to others on Venmo using your Venmo balance. In order to do this, you will need to verify your identity on your Venmo profile in the app. 

Verifying your identity using your SSN or taxpayer number allows you to store and send money in your Venmo balance according to federal regulations. 

To know more, you can also read our posts on whether Venmo is safer than PayPal, how to send a Venmo link, and whether Venmo works in the UK.


Venmo users don’t need a debit card in order to use the app. If you have a verified account, you can receive payments, store the money in Venmo, and send them to others directly from the app. 

If you want to withdraw cash from Venmo but don’t have a debit card or bank account, the only other option is to apply for a Venmo Debit Card. This will allow you to make cash withdrawals at any U.S. ATM. 

Photo of author

Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

Leave a Comment