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How To Withdraw Money From Venmo Without Card (The Best Ways)

Looking to withdraw money from Venmo without a card? Learn how to cash out your Venmo balance without a physical card.
withdraw money from venmo without card

Looking to withdraw money from Venmo without card? Stay glued as we've highlighted the best ways to do so without hassle.

With over 70 million active users, Venmo is, without a doubt, one of the best payment services that have won the hearts of most consumers out there.

It offers a convenient way to make money transfers with friends, spend accordingly, and easily pay for your favorite items directly from your phone without having to deal with physical cash.

Getting started with Venmo is very easy and straightforward — all you need to do is download the app, sign up for an account, and link a funding source to start sending money

Linking a debit card to your Venmo account makes you eligible for cool features, such as instant transfers from Venmo to a debit card.

And of course, a debit card linked to Venmo offers a great way to transfer money from your Venmo account to your Venmo debit card.

But what if you don't move along with your card? Can you withdraw money from Venmo without card?

Though you can use Venmo without card, withdrawing money from Venmo without card isn't a straightforward process since Venmo does not support cardless ATM withdrawals.

However, this shouldn't sound unfortunate for you since there are many other indirect ways to withdraw money from Venmo without card.

That said, this article focuses on showing you how to withdraw money from Venmo without card.

Table of Contents

Can I Use Venmo Without a Card?

Yes, you can use Venmo without a card.

It is common nowadays to transfer money or pay bills without using a card.

You can trade money with Venmo by attaching it to another debit card, bank account, or Venmo account where you want to receive or send money.

You can use the Venmo app without card to pay your rent, utility bills, restaurant bills, and retail expenses without using a Venmo card.

Venmo is also used by businesses and merchandisers to pay their staff.

Venmo is a less time-consuming money exchange online bank that does not require additional paperwork.

Does Venmo Offer Cardless Withdrawals?

To put it simply, Venmo does not support cardless ATM withdrawals.

This means you won't be able to withdraw money from Venmo at an ATM unless you have a card.

As a result, the only option to get cash from Venmo is to use your debit card at an ATM (which charges $2.50 for each withdrawal*) or over the counter at most major banks or credit union locations (which costs $3.00 per withdrawal) and show your debit card.

Can You Withdraw Money From Venmo Without Card?

It is clear that you can't directly withdraw money from Venmo without card.

However, there are many indirect ways to withdraw money from Venmo without card. Rest assured, these methods don't involve anything out of the ordinary and they are completely safe.

In fact, you'll have your own opinion on this.

Nonetheless, getting money from Venmo without a bank is a great way to withdraw money from Venmo if in case you don't want to use your bank account.

Best Ways To Withdraw Money From Venmo Without Card

As mentioned earlier, you can't withdraw money from Venmo without card directly.

In this case, you will have to use indirect ways to get money from your Venmo account without card.

That said, below are the best ways to withdraw money from Venmo without card.

1. Send Money to a Friend's Account In Exchange for Cash

If you have a friend or relative who uses Venmo, then sending money to his/her account in exchange for cash is one of the best ways to withdraw money from Venmo without card.

All you need to do is to find someone who uses Venmo that you know and ask if you can Venmo them in exchange for physical cash.

Some of them might ask you to pay some fee, you should be able to do that if you really need the money.

2. Transfer the Money to a Bank Account and Withdraw at Your Bank's ATM

Another way to withdraw money from Venmo without a card is by transferring the funds from your Venmo balance to your bank account and then withdrawing the money from your bank's ATM once the funds arrive in your bank account.

The only downside of this way is that it takes longer (up to 72 hours depending on your bank).

However, it is another reliable way to get your money out of Venmo without a card.

You can also transfer money from Venmo to PayPal and withdraw from your PayPal prepaid card.

Nonetheless, transferring money from Venmo to Cash App is another option to consider.

3. Order a Venmo Card for Your Account

If you don't need your cash right away, then ordering a Venmo card should be your best bid to withdraw money from Venmo without card.

It's entirely free and straightforward to order a Venmo card.

The cost of everyday use is nothing.

This card can be linked to your Venmo balance and used to make cash withdrawals.

You can order your Venmo card through the app.

To do so:

  1. Open the Venmo app.
  2. Tap the "Cards" button and select "Venmo Debit Card."
  3. Tap the "Get the Venmo Debit Card" button.
  4. Choose the color for your card.
  5. Set the name you want for the card, provide your address, and then tap the "Submit" button.
  6. Verify your identity then you're good to go.

After ordering the Venmo card, it may take five to seven days for it to arrive at your address.

When ordering a Venmo card, remember to include a piece of valid ID information, such as a driver's license, passport, or social security card.

How Long Does It Take To Withdraw Money From Venmo Without Card?

How long it takes to withdraw money from Venmo without card depends on the method you use and can take from a few minutes to a couple of days.

If you found a friend to help you out, then it should take just a few minutes to withdraw money from Venmo without the card.

On the other hand, if you had to transfer funds to your bank account, then it should take 1-3 (if not 4) business days to withdraw money from Venmo without using the card.

Where Can I Withdraw Money From Venmo For Free?

You can withdraw money from Venmo for free at any MoneyPass ATM within the U.S. and in some U.S. territories.

You just need to make sure the ATM has the Mastercard®, PULSE®, Cirrus® or MoneyPass® acceptance marks for it to support your Venmo card.

What ATM Can I Use My Venmo Card For Free?

You can use your Venmo card for free withdrawals at any MoneyPass ATM within the U.S. and in some U.S. territories.

What is Venmo?

Venmo is a mobile payment service based in the United States that was created in 2009 and has been owned by PayPal since 2012.

Venmo was created to help friends and family share bills, such as movie tickets, food, rent, or event tickets.

Account users can send money to others via a mobile phone app; the sender and receiver must both be residents of the United States.

In 2021, the company processed $230 billion in transactions and earned $850 million.

How Does Venmo Work?

Venmo is, at its core, a cashless method of sending and receiving money. For example, you can use Venmo to split a dinner bill with a coworker, pay for your share of a taxi journey with your aunt, or send your roommate half of your monthly rent.

Venmo's capabilities, however, extend much beyond that. You can also:

  • Venmo's Mastercard debit card can be used to make purchases everywhere Mastercard is accepted in the United States.
  • Pay for purchases from authorized Venmo partners using Venmo applications and mobile websites.
  • After you've validated your identification by enrolling for a Venmo debit card or setting up direct deposit, use an in-store QR code to make a purchase with Venmo Cash certain checks.
  • Enroll in direct deposit to have your paycheck sent directly to your Venmo account up to two days before your regular payday.
  • Get price alerts for four different types of cryptocurrency (Bitcoin, Ethereum, Litecoin, and Bitcoin Cash), which you may purchase, sell, or hold using Venmo.

Venmo's app is available for both iOS and Android devices.

Who Can Use Venmo?

The Venmo app has three main requirements for use. You must:

  • Be based in the United States.
  • Have a cell phone in the United States that can send and receive text messages using short codes; shortcodes are five- or six-digit numbers for texting in the United States.
  • You must be at least 18 years old to participate (in most cases).

You'll need a U.S. bank account or a debit card that can be used for instant money transfers if you wish to transfer money from your Venmo account to your bank account.

You must add a U.S. bank account, credit card, or debit card to initiate payments if you don't have access to a Venmo balance.

You must add a U.S. bank account, credit card, or debit card to initiate payments exceeding your Venmo balance if you have access to a Venmo account with a balance.

What Does It Cost To Use Venmo?

Customers are not charged monthly or annual fees by Venmo. Additionally, it does not charge for basic services like:

  • Sending money from your Venmo account, a linked bank account, or a linked debit card
  • Accepting money into your Venmo account or taking money out of your Venmo account
  • Using your linked bank account to make a standard transfer

Venmo, on the other hand, charges for some premium features and services. These are some of them:

  • When you use your credit card to transfer money to someone, you will be charged a 3% fee.
  • A 1% fee (with a $5 minimum) is charged for using the check-cashing tool to deposit payroll and government checks faster.
  • A 5% fee (with a $5 minimum) is charged for using the check-cashing tool to deposit non-payroll and non-government checks faster.
  • A 1.5 percent fee (minimum 25 cents, maximum $15) is charged when money is transferred from your Venmo account to an eligible connected debit card or bank account.
  • Buying and trading bitcoins has fees ranging from 50 cents to 2.3 percent.

Is Venmo Safe?

Venmo is generally thought to be safe.

Venmo claims to use encryption to protect your account information and to track your behavior to discover illegal transactions.

It also claims to save your information in secure locations on computer systems.

To increase protection, you can use the Venmo app to add an account PIN code.

Venmo's accounts are further protected by multifactor authentication.

When you sign into your Venmo account, you may be asked to verify your identity by entering a code sent to your phone or email by Venmo.

Venmo's platform is "built for payments between friends and others who trust each other," according to the company. Avoid paying for products and services unless Venmo has allowed it."

Venmo now requires users to verify their identity through the Venmo app in order to boost security.

Venmo won't let you use your Venmo balance to make payments without verification, but you may still receive money and transfer it to your bank account.

To authenticate your Venmo account, you'll need a Social Security number or an individual taxpayer identification number (ITIN).

"While there is always a danger in sending sensitive information to a corporation," the Identification Theft Resource Center states, "identity verification is vital to limit the frequency of identity crimes."

In a related move, Venmo now allows users to choose whether their friends list on the app is public, private, or friends, as well as opt out of being shown on the friend lists of other Venmo users.

Scams employing Venmo and other cash apps have increased since the Covid-19 outbreak began, according to the Identity Theft Resource Center.

Scammers have targeted users of cash apps via social media, email, and text communications in order to steal their money or identities.

Scams involving Venmo include:

  • Informing someone by email or text message that they've won a prize from Venmo
  • Calling a Venmo user to obtain their account information (Venmo doesn't do this)
  • Calling a Venmo user and pretending to be someone from Venmo tech support
  • Selling something to a stranger who tricks you into believing they've paid for an item or service when they actually haven't

Frequently Asked Questions

How do I withdraw money from Venmo without a card?

The best way to withdraw money from Venmo without a card is by sending the funds to someone you know and trust in exchange for physical cash.

How do I withdraw money from Venmo without a bank account?

You can withdraw money from Venmo without a bank account by using a linked debit card. Alternatively, you can transfer the funds to a trusted friend or relative and ask them to provide you with physical cash.

How do I get my money out of Venmo?

You can get your money out of Venmo either through your bank account, a debit card, or through a friend (by exchanging the funds for physical cash).

Final Thoughts

Venmo is a mobile payment service based in the United States that was created in 2009 and has been owned by PayPal since 2012.

Venmo lets users send and receive money online instantly.

Venmo users can use their funds without card for paying rent, utility bills, etc.

However, you cannot directly withdraw money from Venmo without card at an ATM since Venmo does not offer cardless ATM withdrawal support.

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About the Author

Tebid Kelly is a Graphic Designer, Web Developer, Ethical Hacker, Programmer, and Content Creator who showcases his skills and experience on his blogs. He also has much love for finance apps such as Cash App, Venmo, PayPal, Zelle, etc on which he ha…

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