How to Send Money by Venmo?

In the digital age, sending money to friends and family has never been easier. Venmo, a popular mobile payment service, has revolutionized the way we transfer funds. Whether you're splitting a bill, paying for services, or simply sending a gift, Venmo provides a convenient and secure platform for financial transactions. In this article, we'll guide you through the steps to send money using Venmo, ensuring a smooth and hassle-free experience.

Setting Up Your Venmo Account

Before you can send money, you'll need to set up a Venmo account. Download the Venmo app from the App Store or Google Play Store and follow the on-screen instructions to create your account. You'll need to provide your email address, phone number, and bank account or debit card information. Once your account is set up, you can add friends and family members to your Venmo network by searching for their usernames or scanning their unique QR codes.

Linking Your Bank Account or Debit Card

To send money via Venmo, you'll need to link a funding source to your account. You can link a bank account, debit card, or credit card. To link a bank account, enter your bank's routing number and your account number. For debit or credit cards, enter the card number, expiration date, and CVV code. Venmo uses bank-level security to protect your information, so you can rest assured that your financial details are safe.

Sending Money on Venmo

Once your account is set up and linked to a funding source, sending money is straightforward. Follow these steps:

  1. Open the Venmo App: Launch the Venmo app on your smartphone.
  2. Select Pay or Request: Tap the "Pay or Request" button at the bottom of the screen.
  3. Choose a Recipient: Enter the username, phone number, or email of the person you want to send money to. You can also select them from your list of Venmo contacts.
  4. Enter the Amount: Type in the amount of money you want to send.
  5. Add a Note: Include a note to indicate the purpose of the payment. This could be anything from "dinner" to "birthday gift."
  6. Choose Your Payment Method: Select your preferred funding source (bank account, debit card, or credit card) for the transaction.
  7. Send the Payment: Tap the "Pay" button to send the money. The recipient will receive a notification of the payment.

Security and Privacy

Venmo takes security seriously. All transactions are encrypted, and users can set up a PIN code or biometric authentication (such as fingerprint or face recognition) for added security. It's important to only send money to people you know and trust, as Venmo is designed for transactions between friends and family.

Fees and Limits

Sending money on Venmo is free when you use your Venmo balance, bank account, or debit card. However, there is a 3% fee for transactions funded by credit cards. Venmo also has transaction limits, which can vary depending on your account's verification status. For more information on fees and limits, check Venmo's website or app.


Venmo provides a convenient and user-friendly platform for Venmo sending money to friends and family. By following the simple steps outlined in this article, you can make quick and secure payments right from your smartphone. Whether you're splitting a bill or sending a birthday gift, Venmo makes it easy to share the cost and stay connected with your loved ones.

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