How to Add Money to Venmo: A Step-by-Step Guide

Venmo is one of the most popular mobile payment apps, making it easy to send and receive money instantly. While you can pay people directly from a linked bank account or card, there may be times when you want to add money to your Venmo balance. Here’s how to do it.

🏦 Step 1: Link a Bank Account

Before you can add money, you need to link a bank account to your Venmo profile.

Here’s how:

1. Open the Venmo app on your mobile device.
2. Tap the “☰” menu (three lines) in the top left corner.
3. Go to “Settings” and then “Payment Methods”.
4. Tap “Add a Bank or Card” → choose “Bank”.
5. Follow the prompts to link your account using either Instant Verification (Plaid) or Manual Verification.

💰 Step 2: Check Your Eligibility to Add Funds

As of now, only users with a Venmo Debit Card can transfer money from their bank account into their Venmo balance. If you don’t have one, you’ll need to apply:

1. In the Venmo app, tap the menu icon.
2. Select Venmo Debit Card and follow the instructions to apply.

Once approved, you can begin adding funds.

➕ Step 3: Add Money to Your Venmo Balance

After your debit card is active, you can add money like this:

1. Open the Venmo app.
2. Tap the “☰” menu and go to “Manage Balance” (under your profile).
3. Tap “Add Money”.
4. Enter the amount you want to add.
5. Choose your linked bank account as the funding source.
6. Tap “Add Money” and confirm the transfer.

Transfers typically take 3–5 business days to complete.

🔄 Alternative: Receiving Money from Friends

You don’t always need to manually add money. If someone sends you money on Venmo, it will appear in your balance immediately, and you can use it to pay others or withdraw it to your bank.

🛑 Can You Add Money with a Credit Card?

No — you cannot add money to your Venmo balance using a credit card. However, you can use a credit card to pay someone directly, though fees apply (3%).

🧾 Summary

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