How to Add Money to Venmo Without Bank Account

Last Updated on August 23, 2023 by Jerome Donovan

You probably do not have access to your bank currently, or have no bank account at all but need to fund your Venmo. That’s possible—you can add money to Venmo without bank account to manage bills and other expenses through Venmo.


Venmo’s articles predominantly state that you can only add cash to Venmo using your bank balance. Moreover, you must have a Venmo debit card to be able to fund – how convenient (sarcasm)?

But that’s not to say that you are restricted to funding from your bank account only. There are many methods to get around this and add cash to your Venmo if you choose not to use a bank for any reason.

<strong>Key Takeaway</strong>
  • You can add funds to Venmo without a bank account, primarily by having trusted friends send you Venmo funds in exchange for cash.
  • Venmo offers a “Cash a Check” feature, allowing you to deposit checks directly into your Venmo balance.
  • The Venmo debit card can be used at ATMs supporting Mastercard, PULSE, Cirrus, or MoneyPass, but non-MoneyPass ATMs may charge fees.

Can You Add Money to Venmo Without Bank Account?

You can technically add money to Venmo without a bank account. Generally, however, Venmo does not allow all users to deposit money to their balance. So, you can only fund a Venmo balance after signing up for a Venmo Mastercard Debit Card.

This way, any debit purchase is covered by your Venmo account balance linked to the card.

If you do not have a Venmo debit card, the commonest way to add money to Venmo without bank account is if someone sends it to you in exchange for cash.

Moreover, you can choose to keep the balance in Venmo for future payments or transfers.


How to Add Money to Venmo Without Bank Account

How to Add Money to Venmo Without Bank Account

While there are no clearcut ways to add money to Venmo without bank account (except receiving funds from friends), below are methods you should consider:

1. Request Funds from Other Venmo Users

If you have a friend you trust completely, you can give them cash and they can send you the equivalent amount on Venmo. Be cautious though, as it’s simple to get tricked this way. Once they send it, your Venmo balance will instantly show the money.

2. Consider Using Venmo’s Cash a Check Feature

Using Venmo to cash a cheque, you can add money to Venmo without bank account.

  1. First, ensure you either have a Venmo debit card or have activated direct deposit.
  2. Head over to the ‘You’ tab.
  3. From there, pick ‘Manage Balance’.
  4. Now, choose ‘Cash a Cheque’.
  5. You’ll be asked to input the cheque amount and snap photos of its front and back.
  6. Decide how fast you want your money. Remember, quicker access might mean higher fees.
  7. Sit tight! Your request might take anywhere from a few minutes to 1.5 hours.
  8. If all goes well, they’ll ask you to write ‘VOID’ on your cheque. Hold off on doing this until they tell you.
  9. Next, snap a photo of the now voided cheque.
  10. They’ll show you a summary of the cheque details.

Depending on your earlier choice, your funds will be ready either in a few minutes or after 10 days.

3. Leverage Venmo Reload Feature

If you already have your bank account linked to Venmo, you don’t have to worry about adding cash to Venmo balance. All you have to do is enable the reload feature in your Venmo app.

With the Venmo debit card’s reload feature, if you spend more than what’s in your Venmo account, it’ll pull the extra amount from your connected bank account.

Follow these steps to enable Venmo reload:

  • Select the Cards tab.
  • Tap the image of your card.
  • Select the toggle on Set up reloads to cover transactions when your balance is low.

You can learn more about how this reload feature works.

4. Request Direct Deposit

If you want your paychecks to go straight into your Venmo balance, you can set it up easily. This way, you add money to Venmo without bank account. Here’s how:

  1. Start by opening the Venmo app.
  2. Tap on the ‘You’ tab.
  3. Dive into the Setting menu and choose ‘Direct Deposit’.
  4. Click on ‘Show Account Number’.
  5. You’ll see your account details and routing number. Jot them down.
  6. When your employer asks for direct deposit info, use the details you noted.
  7. If they need the name and address of your bank, visit Venmo’s support site at to get info about Venmo’s partner bank.

After you’ve given your employer the details, they will handle the rest. Remember, it might take a couple of pay cycles before you see your salary in your Venmo account. Once everything’s set, your pay will automatically add to your Venmo balance.

5. Add Money to Venmo at an ATM

With your Venmo account and its associated debit card, you have the flexibility to use it wherever debit cards are accepted. Even if you don’t link a bank account to your Venmo, there are several methods to fund your Venmo card. Here’s how:

One handy option is using an ATM. With your Venmo debit card, you can both deposit and withdraw cash at ATMs. Look for ATMs that support Mastercard, PULSE, Cirrus, or MoneyPass, as they’re compatible with the Venmo card.

However, look out for fees. While MoneyPass ATMs won’t charge you, others might have fees ranging from $2.50 to $3.00.

Can I Add Cash to My Venmo Card at a Store?

Right now, the only method to add cash to your Venmo account is through the Venmo application. Unfortunately, there’s no option to add money directly at a store such as Walmart or Walgreens.

Can I Add Money to Venmo from a Prepaid?

Venmo allows prepaid with network branded (e.g. American Express, Discover, MasterCard, Visa) cards registered under your name. You would have to add the card to Venmo.

Your prepaid card may be declined by the card issuer or Venmo for funds availability or fraud prevention reasons.

Can I Add Money to Venmo with Cash App Card?


The Cash Card is a Visa debit card, therefore, you can add money to Venmo with Cash App Card and pay for goods and services from your balance, both online and in stores. This is possible because Visa is among the card networks supported by Venmo. Other supported networks include American Express, Discover, and Mastercard.

Can You Instantly Add Money to Venmo Balance?

Currently, if you are using Venmo, you can only instantly add money to Venmo balance with a debit card.

Now, you might wonder why the money doesn’t get taken from your bank immediately. The answer is that Venmo wants to give you a quick way to have money in your Venmo when you urgently need it. Imagine being at the front of the checkout line and realizing you don’t have enough in your Venmo.

But due to how these transfers work, they won’t show up on your bank statement instantly. Typically, it takes about 3-5 days for the debit to go through.

Why Can’t I Add Money to My Venmo?

You don’t have a Venmo debit card

Right now, only those with an approved Venmo Debit Card can manually put money into their Venmo account. Want to know how to get the Venmo Debit Card? Dive in and learn more.

Meanwhile, even if you don’t add funds to your Venmo balance, you can still use the app to pay your buddies or businesses.

You have exceeded Venmo limit

You don’t need to add money to your Venmo account to make payments. But if you want, you can.

Using your bank, you might be able to add up to $10,000 every week.

If you’re using a debit card, you can add up to $2,000 each week.

Sometimes, transfers can be declined for reasons other than just hitting these limits.

Your account has what’s called rolling weekly limits. This means that a transaction is only counted towards your limit for exactly one week. So, if you make a bank transfer at 11:00 AM on a Monday, by 11:01 AM the next Monday, that transfer won’t be part of your limit anymore.


  • Adding Money to Your Venmo Balance. Venmo
  • Personal Profile Bank Transfer Limits. Venmo
  • Adding Money from a Debit Card FAQ. Venmo Help Center

Read alsoHow to Get Money Out of a Frozen Venmo Account Fast

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