How to Add Money to Venmo without Bank Account

By Neil Harris 8 Min Read

Traditionally, you add money to Venmo with your bank account. However, situations may arise where you have to add money to Venmo without bank account. Perhaps, you have difficulty accessing your bank account or do not feel the need to fund Venmo from your bank. Whatever the case, Venmo provides alternatives to make sure you keep your transactions seamless.

In this article, I have highlighted the various ways to go about funding Venmo with no bank. These are simple methods that take only a few minutes to add cash to your Venmo account.

How to add money to Venmo without bank account

While linking a bank account to Venmo is the most common way to add money to your account, there are a few alternative methods available if you don’t have a linked bank account. Below are alternative ways to add money on Venmo without bank account:

1. Have someone else transfer funds to your Venmo

Not everyone might be able to wrap their heads around this because all you need to do is get a bank account linked to your Venmo balance. But I was thinking, what if someone transfers funds from their Venmo balance to yours?

I pondered on it a bit more and realized that a specific way to add money to your Venmo account without a bank account. To be precise, if you find someone willing to accept physical cash from you and transfer the same amount to your Venmo, then you have just funded your account.

2. Cash a check

Venmo app offers additional functionality that allows users to cash a check conveniently. To use this feature, capture images of the front and back of the check, essentially performing a mobile deposit. Afterward, enter the check amount, and the process of depositing the check via your mobile device will be finalized. Once completed, you can freely use your Venmo debit card for both online and in-person transactions.

The check approval process typically takes a few seconds, but in some cases, it may require 10-15 minutes or, in rare instances, up to 1.5 hours to verify the necessary information.

Once your check is approved, you’ll be asked to write “VOID” across the front of the check and provide a photo that clearly shows it has been voided. You should only write “VOID” on your check when specifically instructed to do so, after receiving confirmation of its approval.

3. Make a direct deposit

Similar to establishing direct deposit for a bank account, it is possible to set up direct deposit with a Venmo account. To do so, you will need to furnish your employer with the same details as you would for a bank account: a routing number and an account number. After configuring direct deposit, your paychecks can be directly deposited into your Venmo account, and you can utilize your Venmo debit card to access those funds.

Note that loadiny Venmo card at a store like Walmart does not work.

Limits to adding money to Venmo account

There are several limits you should be aware of when it comes to cashing a check using Venmo-Ingo. You can cash checks that are worth anywhere between a minimum of $5 and a maximum of $5,000.

However, there is an additional aspect to consider. You have the opportunity to cash multiple checks in a single day, as long as their combined value does not exceed $5,000. Therefore, if you possess several checks that collectively amount to less than this threshold, you are free to proceed with cashing them.

Now, let’s talk about the monthly limit. In a single month, you can cash checks worth up to 15,000 dollars. That means if you’re lucky enough to have a stack of checks that reaches that amount, you’ll need to wait until the next month to cash any more.

Finally, all checks you submit for cashing will go through a review process to see if they’re approved. So, always keep that in mind.

How long does it take to add money to Venmo

When you add money to your Venmo balance, it usually takes around 3-5 business days for the funds to show up. Keep in mind that you won’t be able to use the money until the transfer is complete.

Now, there are a couple of things you should know about these transfers:

The time it takes can be influenced by stuff like weekends or holidays. So, if you make a transfer on a Friday, it might take a bit longer to reach your Venmo account.

Sometimes, you might see the money deducted from your bank account even before it lands in your Venmo balance. Don’t worry, that’s normal. It’s just in the process of being transferred.

To keep tabs on your transfer, you can check the status in the Venmo app. Just head to your personal transactions feed under the “Me” tab.

If, for some reason, the money doesn’t make it to your Venmo account after a full 5 business days, don’t hesitate to reach out to Venmo Support for assistance.

Transfers go through a review process, which could cause some delays or even lead to funds being temporarily frozen or removed from your Venmo account.

Potential fees for adding money to Venmo without bank account

Opening a Venmo account is free, so you won’t have to worry about any upfront costs or monthly fees. It’s all about keeping things convenient and budget-friendly for you.

Also, when it comes to making transactions on Venmo, the good news continues. In other words, suppose you choose to send money directly from your bank account, Venmo debit card, or your existing Venmo cash balance, you won’t be charged a single penny.

Read also: Venmo instant transfer does not need debit card


Thanks to Venmo, you don’t necessarily need a bank to fund your account. In this article, I have highlighted alternative methods you can use to add money to Venmo without bank account. If you do encounter problems, do well to get in touch with Venmo support for assistance.


“Adding Money to Your Venmo Balance.” Venmo

“Cash a Check FAQ.” Venmo

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Seasoned, hands-on exec with a broad range of experience at both start-ups and large international corporations. Highly successful, results and customer oriented professional and with over 18 years experience in the software and payment innovations arena, with a proven track record in driving revenue growth and delivering results in operational performance and profitability through direct and indirect channels. Key focus is on customer success and delivering value and efficiency gains through tech. I live & breathe innovation in the payments arena - Visa & Mastercard card processing, UK Bacs, Faster Payments, Direct Debits, card acquiring & global payments are my junk food
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