How To Add Money To Venmo Without Bank Account

Venmo offers many ways to add money to your account, even if you don't have or don't want to use your bank account.

That said, you can use a debit card, cash a check service, set up direct deposit, or even do a cash reload to your Venmo balance at any participating retail location of your choice.

How To Add Money To Venmo Without Bank Account

The unbanked population is still on the rise, with over 5% of the total US population not having a bank account. Venmo is one of the digital payment services that considers this unbanked population and has made available different ways to use core features of the app, like adding money without using a bank account.

So if you want to add money to your Venmo balance without having to use a bank account, here are the methods available for you.

1. Use a Credit or Debit Card

Venmo works directly with credit and debit cards, and you can link any or even both types of cards to your account and start carrying out transactions with them.

In fact, if you have a debit card, you can link it to Venmo and instantly add funds to your account balance.

All you'll need to do here is to add your credit or debit card to Venmo and start sending money.

To add a credit or debit card to Venmo:

1. Open the Venmo app.
2. Select the "Me" tab.
3. From the Settings menu, select "Payment Methods."
4. Tap "Add a Bank or Card."
5. Select "Card."
6. Add your card information.

After you've linked your card to Venmo, you can add money to your balance as follows:

1. Go to the Me tab.
2. Tap "Add Money".
3. Select "From a bank or debit card".
4. Enter your amount and choose what payment method you want to use.
5. Tap "Add".

If the need arises, you can withdraw money from your Venmo balance back to this card without having to use a bank account.

2. Use Venmo's Cash a Check Service

You can cash a check to your Venmo account, but this would require you to have a Venmo debit card.

This is one very useful but less used method to add money to Venmo without using a bank account. Venmo's cash a check service lets you cash a wide variety of checks ranging from personal checks to even third-party checks (in some cases), and if you have one somewhere at home, you can add it to your balance as follows:

1. Open the Venmo app.
2. Go to the "Me" tab.
3. Tap "Manage Balance."
4. Select "Cash a Check." You'll be prompted to verify your account information if you have not already done so.

Enter the check amount, use your mobile device to take a picture of the front and back of your endorsed check, and then select "Next."

Choose how soon you want to be able to access your money.

The time it takes to review a check for approval is typically under a minute, but in unusual cases, it could take up to 1.5 hours to validate all the necessary check information.

If your check is accepted, you'll be asked to mark the front of the check "VOID" and upload another photo proving that it has been voided.

Wait until you are prompted to do so, following notification that your check was accepted, before writing "VOID" on your check.

When everything is done, a confirmation page will appear showing the exact amount of the transfer that will be available in your Venmo account.

3. Add Cash at a Participating Retail Location (Costly Alternative)

Venmo works with Walmart to let you add money to your balance at any participating store location through your Venmo debit card. You can easily find out if a store near you will let you load your balance using Walmart's store locator.

Once you've found a nearby location, just tell the clerk you want to load your Venmo card, and they should tell you exactly what you need to provide them with.

There's a huge $3.74 fee associated with Venmo cash reloads, which makes it a costly alternative over the others on this list. The transaction will display as "POSDEP*CASH" in the Venmo app when you do it, so make sure you receive your notification before leaving the store.

4. Ask a Friend to Send You Money

Asking a friend to send you money on Venmo is one of the best ways to add money to Venmo without a bank account.

In fact, this option is most of the time what I go in for since my kid sister is an enthusiastic Venmo user.

All I have to do is ask if she has some balance in a Venmo account (which she always does since our father regularly sends her gifts through Venmo and Cash App), and I just hand her cash. Curiously enough, when she's in need of physical cash, she always makes me an impressive reduction.

It's as easy as that.

Can You Instantly Add Money To Venmo Balance?

Yes, you can instantly add money to your Venmo balance through your verified bank account or debit card. However, you'll need to be an approved Venmo Mastercard debit card user before being able to do so.

Final Thoughts:

Venmo is a popular peer-to-peer payment service that lets users send and receive money conveniently.

Venmo offers many ways to add money to your Venmo balance, of which bank transfer is the most convenient way available.

You can add money to Venmo without a bank account, and if you're wondering how, this guide compiles the different ways to add money to Venmo without a bank account to help you out.