Home Financial Transfer How to Send Money Online Without ID Verification [9 Methods]
Financial Transfer

How to Send Money Online Without ID Verification [9 Methods]

How to Send Money Online Without ID Verification

You will agree that it is currently impossible to live a life without sending money online – in fact, it is now a necessity for many. However, this convenience typically comes with identity requirements. That is not to say you cannot still send money online without ID verification.

For instance, you might be trying to use PayPal, only to be informed that there is some suspicious activity detected on your account, and you are required to provide ID for verification. However, you may not be comfortable sharing your ID online, or you do not have an ID at all. This post provides you with an alternative way to send money if you find yourself in a situation without any form of ID.

Key Takeaways

  • You can send money online without ID verification using various methods like PayPal Business Account, anonymous donations, or cryptocurrencies.
  • Some apps like Cash App and Venmo allow limited transactions without ID, but they have their own pros and cons like fees or spending limits.
  • Other options include using Google Pay, Apple Pay Cash, or Paysafecard, each with their own set of rules and limitations for anonymous transactions.

Can You Send Money Without Being Verified?

Usually, whether you are using online banking or payment apps, you need to prove who you are. This could mean verifying your identity, entering a special code, or using two-step verification to confirm your details. Even if you go to a bank in person, you will still need to show ID or answer questions to prove your identity.

But you can still send money without all the ID checks. The point is that most banks and online apps want to make sure it’s really you before they let you send money anywhere. This is true whether you are sending money online or face-to-face.

How to Send Money Online Without ID Verification

How to Send Money Online Without ID Verification

1. Use PayPal Business Account

Opt for a PayPal business account to send money online without ID verification. Unlike a personal account, a business account allows you to use any name you choose. Here’s how to go about it:

  1. If you don’t already have a PayPal account, no worries. You can directly create a business account without needing a personal one.
  2. If you already have a personal PayPal account, navigate to the settings and click on Upgrade to a Business account.
  3. Create a new email address that doesn’t include your real name. Link this email to your PayPal business account.
  4. During the registration process, PayPal will ask for your legal name. However, you can choose any business name you like, and that’s the name that will show up when you send money.
  5. Keep in mind that sending money through a business account with a fake name might raise suspicions. The person receiving the money might hesitate to accept it, fearing a scam.
  6. If your main goal is to ensure the money reaches the other person, you might want to stick with using your personal account that has your real information.

2. Make an Anonymous Online Donation

You can easily send money online without revealing your identity. One way to do this is by making an anonymous donation. You can ask the person you’re sending money to set up a crowdfunding account. Then, you can donate money to that account without showing your name.

If you prefer to donate in person, just ask the staff at the organization to keep your name a secret. This is a common practice and they’ll usually be happy to help.

Another way to keep your identity hidden is to use a donor-advised fund, so your name stays private. To find a donor-advised fund near you, just do a quick online search. You will get a list of options to pick from.

3. Send the Money in Cryptocurrency

Using cryptocurrency is a common way to send money online without ID verification. With crypto, you do not have to show your ID to complete a transaction.

Many people prefer this method because it offers a level of anonymity. You can even use a fake name when you’re making payments.

One of the most secure and anonymous methods mentioned is using cryptocurrencies like Bitcoin, Ethereum, or Litecoin. However, the article also notes that while cryptocurrencies can offer anonymity, they often require an internet connection and a crypto wallet app.

However, remember that some details of your transaction might still be publicly visible on the blockchain of that particular cryptocurrency. This could include how much money you sent and the address of your digital wallet.

You can boost your privacy further by using a VPN that doesn’t keep logs. This makes it harder for anyone to trace back to you. Also, you can take an extra step to protect your anonymity by changing your digital wallet address each time you make a transaction. This makes it even more challenging for anyone to track your activities. Just before you move to the next method, we might be able to convince you to join crypto community.

4. Create PayPal with Fake Sign-up Information

Even though PayPal isn’t technically a bank, it still has to follow the same rules set by the government. If PayPal cannot verify who you are, you can still use it, but only with your bank or card, not your PayPal balance.

PayPal has had some issues with user data in the past, but it’s still a good option for somewhat private online payments. To use PayPal without revealing too much about yourself, you’ll need to link it to a bank account or card. When you send money, the other person will only see your name and email that you’ve registered with.

You can take this a step further by using a disposable email and a virtual credit card to set up your PayPal account. This makes it harder for anyone to link the payment back to you. It’s a bit of a hassle, but the good news is that many places accept PayPal. Just remember, this only works online through the PayPal website.

If you want to be even more private, use a reliable VPN service. This hides your real location and makes your online activities more secure. You can use NordVPN for this.

5. Use Apple Pay Cash Online

Sending money online without ID verification can be a challenge, but Apple Cash offers some flexibility. If you use Apple Cash minimally, you might not need to verify your identity right away. However, once you reach a total transaction amount of $500 or more, identity verification becomes mandatory. Sometimes, you may be asked to verify your identity even before hitting this limit.

If you own an iPhone with iOS 11.2 or higher, you already have access to Apple Pay Cash. If you’ve set up Apple Pay using your debit card, sending or receiving money through iMessage becomes even easier.

One significant limitation is that Apple Pay Cash only works on iOS devices. This narrows down your options for using the service. Unlike Google Pay, Apple Pay Cash does not have a desktop interface, making it even more restrictive.

On the positive side, using Apple Pay Cash adds an extra layer of security to protect your banking information. However, this advantage is offset by its limited usability. It’s not advisable to use a disposable email address for Apple Pay Cash, as it needs to be linked to a specific device.

6. Venmo Sends Money Without ID Verification

Venmo is a digital wallet service that allows you to send money online without ID verification. It is a subsidiary of PayPal. You might need to verify your identity for certain activities like sending more than $300 in a week or transferring over $1000 to your bank in the same period. You can also use it to manage a group account or receive payments for goods and services.

Pros and Cons

  • It is easy to use and very popular.
  • It charges a fee for transferring money.

Venmo has a social aspect. It has a friend list and a social feed where transactions can be announced. This can be a concern for privacy. When you get money, you can either keep it in your Venmo account or transfer it to your bank. A bank transfer will cost you a fee of 2.9% of the total amount. There is a weekly limit of $5,000 for transactions. If you use Venmo safely, like you would use PayPal, it can be a secure way to handle money.

7. Cash App Without ID

You can alternatively use Cash App to send up to $250 every 7 days and receive up to $1000 in 30 days without ID verification.

Pros and Cons

  • No bank account is needed.
  • The money in your Cash App is not insured by the FDIC.

You can use Cash App anonymously. It uses unique usernames, known as $Cashtags, to make transfers.

You do not need to share your bank account details. However, without ID verification, you are limited to a daily spending limit of $250. You can also withdraw money using your Visa debit card or transfer it to another bank account.

8. Pay Online Without ID Using Google Pay

Google Pay is a unified platform that brings together Android Pay and Google Wallet, offering both a digital wallet and online payment services. It’s similar to PayPal in that you can create an account with a disposable email and fund it using a virtual credit card.

Sometimes Google Pay might ask you to confirm your identity. This could happen if you hit your spending limits, if there’s a need to double-check your account details, or if any unusual activity is detected.

You can easily send money to people you know using either a bank account or a debit card. Once you confirm your ID, you can also use your Google Pay balance for transactions. So, unless you use your Google Pay balance, you can send money online without ID verification.

One of the best things about Google Pay is that it doesn’t charge any fees for using a debit card or bank account. This makes it a cost-effective choice for those who want an extra layer of security for their transactions. Plus, it’s versatile. You can send or ask for money through Gmail and Android messages. All you need is the other person’s email or phone number.

However, if you’re thinking of using Google Pay at local stores, be cautious. It only works where contactless payments are accepted, and many small shops don’t offer this feature.

9. Use Paysafecard

Perhaps, Paysafecard is a way to go. this system is built to make online payments without sharing personal or financial information. Thereby keeping your financial life private at all times.

Paysafecard is a well-known app for anonymous payments. It helps you find stores that sell Paysafecard vouchers that you can buy with cash. After buying, you get a 16-digit PIN that you can use for online payments without revealing your identity. This method is very popular for online payments around the world.

If you have bigger purchases or subscriptions, you can combine up to ten of these 16-digit PINs. However, it’s easier to find these cards in Europe. People in North America might have a harder time finding them.

To use Paysafecard, you need both online and offline access. This means you must have an internet connection to use it. If you are wondering where to find Paysafecard in your location, their mobile app can guide you to local stores that sell these vouchers.

Final Thoughts

In this post, you discovered the various ways to send money online without ID verification. Methods such as Cash App and Venmo offer some level of anonymity and are easy to use. However, they come with their own set of limitations and fees. Cryptocurrencies offer a higher level of anonymity but require a bit more technical know-how. Services like PayPal and Google Pay are widely accepted but may require some form of verification for larger transactions.

Choosing the best method depends on your specific needs, such as how much you need to send, how often, and how important anonymity is to you.

Make sure you consider the pros and cons of each service, including fees, limitations, and the level of security they offer. This will help you to better decide on the best way to send money online without ID verification.


Read also12 Best Instant Check Cashing App No Verification

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Written by
Jim Marous

Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Blueopes Finance, writing on a lot of topics regarding payments, banking software, cards, and investing.

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