How to Use Venmo Balance Instead of Card

How to Use Venmo Balance Instead of Card

Does Venmo charge your bank even when you have a sufficient balance? Read on to learn about using Venmo balance as your preferred payment method.

Quick Answer:

You can use Venmo balance instead of a card by following 4 easy steps:

  • Login to your Venmo account.
  • Verify your account
  • Follow the [Pay or Request]
  • Choose [Venmo Balance]

The Venmo app is a great way to send money to friends and family. It's fast, easy, and free, and you don't need to carry around cash or cards. The app has become increasingly popular among young people and college students because it's quick and easy to use, and Venmo transactions are usually free.

It's easy and fast, but there's one catch: You must already have some money in your Venmo account before making the transaction. So you can't simply create an account, enter your bank account information and start sending money out immediately.

If you have some funds in your account, this feature makes it easy for anyone to send you money at any time without having access to their checking accounts or credit cards; all they need is a sufficient Venmo balance. It may, however, be an issue if Venmo still charges your credit card even when you have a balance.

What Are the Payment Methods on Venmo?

Everyone loves to talk about how Venmo is going to change the world. We've heard about how it will replace your wallet or change what we think of as money. But there's another way that Venmo is changing the way we think about payments: It's becoming the default payment method for daily purchases.

Here are some of the most common payment methods on the platform:

Linked Bank Account

Linked Bank Account

If you link a bank account to your Venmo account, money transfers will go through as soon as Venmo approves them. Venmo supports cards from any financial institution. If your bank doesn’t support Instant Transfer, the transaction takes 1-5 business days. You also need to know the instant transfer, despite being instantaneous, it, has a small payable fee.

Venmo Debit Card

Venmo Debit Card

Venmo debit cards are prepaid cards that you can use to pay for things at millions of places. They are accepted anywhere Visa is accepted and come with the same protections as bank accounts and credit cards. You can also link both your Venmo balance and your bank account to this card, making it easier for any purchases and transfers you are making. It is also possible to add and withdraw money from the Venmo Debit card.

Payment with Venmo Balances

You can also pay for some items using your Venmo balance or bank account instead of a credit card or debit card. For example, if someone sells something on eBay and allows buyers to pay using their Venmo balance or bank account, you could use your Venmo balance to buy it instead of paying with a credit card or debit card.

How to Use Venmo Balance Instead of Card?  

There are many ways to use Venmo, but a digital wallet is one of the most popular. When you're ready to purchase online, you can simply enter your Venmo account information instead of typing your credit card number on the website. This makes it much faster and easier than inputting all that information yourself.

Here's how:

Step 1: Open and log in to the Venmo account.

Step 2: Manually complete your verification on the account. Remember, besides limited weekly transactions, you can't add a card or a bank account to an incompletely verified account.

Step 3: Make a payment transaction. Follow the [Pay or Request] button and proceed with the procedure.

Pay or Request

Step 4: At the bottom of the screen is a payment method. Change it to [Venmo Balance].

Step 5: Complete your Venmo transactions. At this stage, the app will use money only from your balance, not your bank or card.

How to Transfer Money from Venmo to Debit Card?  

The key thing to note is that if you have money in your Venmo account, you already have money in the Debit card. This procedure basically means loading your Venmo Debit card. If you, however, need more funds than what is already there, you can always add to your bank account. Or, you can get someone else to send you through Venmo.

So, here's how to transfer money to your Debit card from Venmo:

Step 1: First, touch the Venmo app to open and Log in.

Step 2: Next, touch the [Three Lines] Menu button.

Three Lines

Step 3: Click on the [Manage Balance] option.

Manage Balance

Step 4: Touch the [Add Money] button.

Step 5: Enter the amount you'd like to transfer to Venmo. Then touch the [Done] option.

Step 6: Venmo will then prompt you to choose which bank you want the funds to come from. Touch your most preferred account, then click on the [Next] Option.

Step 7: The transaction details will be displayed along with the arrival date. You are then expected to go through each of the detail and ascertain they are all right. If everything is correct, touch the [Add Money] button, and that will be it.

Add Money

It is important to note that you won't make it to stop the transaction once you click the [Add Money] button; it is, therefore, important to confirm each of the details before adding money to the card.

How to Transfer Money from Venmo to Your Bank Account? 

The most popular way of transferring money through Venmo is by linking it to your bank account. This way, your balance will be updated instantly after each transaction. You can also link your debit card directly to Venmo if you would like the convenience of using your debit card without having to wait for the funds to transfer into your bank account first.

The process for transferring money from Venmo onto a debit card is fairly simple:

Using the Venmo app, you can transfer money to your bank either with the instant or the Standard method.

So, on the app:

Step 1: Navigate to the [Me] tab, then click on the [Add] or [Transfer] button below your profile picture. From there, follow this guide to make the transfer.


Step 2: Type in the amount you'd like to transfer to your bank account.

Step 3: Touch the [Instant] button for a small payable fee or the [1-3 Biz Days] option for no fees, then choose your preferred bank account.

Step 4: Verify your details, then click on the green [Transfer] button.

confirm Transfer

That's it.


1. Why can't I pay with the Venmo balance?

Based on the current Venmo payment conditions, the platform will use your Venmo balance as long as you haven't completed your identity verification. So, as long as the verification is still pending, Venmo will still use money from any linked bank account or debit card, even when there's a sufficient balance in your Venmo account. Other than this, it could be because you have an insufficient Venmo balance, so Venmo bills the amount to the linked bank to complete the transaction.

2. Can I use my Venmo balance to pay someone?

As long as you have a sufficient Venmo balance, you can always use it to make payments to friends. It is also possible to check out using Venmo at any authorized merchant mobile website and app. You can also come across some other merchants that permit payment using Venmo QR codes for checkouts at their in-stores.

3. How to control the privacy of Venmo transactions?

It is important to note that Venmo supports social network-like features, although each transaction comes with a privacy setting for it. So, if you don't make changes to this setting, your transactions will be visible to your friends and family. To adjust this setting, click on the current setting at the bottom right corner of the transaction screen and select the [Public, Friends or Private] option.

4. How do I get my money out of Venmo?

There are two methods you can follow to get your money from Venmo.

You can use:

  • Instant transfer to your attached debit card or bank account. This transfer method has a payable fee of 1.75%. This is broken to a minimum of $0.25 fee and a maximum of $25 fee. These fees are automatically deducted from your transfer amount, which is expected to arrive within 30 minutes.
  • Standard transfer via the ACH network to a verified checking account. The good news is this is free, but the funds arrive in 1-3 business days after you place your transfer request.

That's it.


While it may not be right for everyone, Venmo Balance is a clever alternative for those who want to take advantage of the benefits of the Venmo app without having to use their debit and credit cards. So if you are looking for ways to send money and you have a debit card, you can use the Venmo app.

By using Venmo balance, you can quickly transfer money to anyone without trying to transfer your funds from the bank first. Also, purchasing items with Venmo Balance doesn't affect your linked bank account balance unless there are insufficient funds.