Where Can I Load My Venmo Card for Free?

By Neil Harris 13 Min Read

Venmo debit card purchases are typically covered by the funds in your Venmo balance. However, you may need to make a payment that exceeds the amount in your Venmo balance. Thus, Venmo reloads come in. So, where can I load my Venmo card for free? Loading your Venmo card for free outside of the Venmo app is not possible at the moment. Venmo only allows you to load your Venmo card from the app, first, you have to enable the Reload option in your Venmo account.

Where can I load my Venmo card for free?

Where can I load my Venmo card for free

As previously mentioned, it is not possible to load your Venmo card outside of the Venmo app, you can only do so within the Venmo app. Even I can’t load my Venmo card for free using stores like Walmart. Meanwhile, Venmo is one of the instant transfer apps without debit card.

When you enable Venmo reloads, your Venmo Debit Card allows you to make purchases that exceed your Venmo balance. Do notw that Venmo reload only automatically withdraws funds in the increments of $10 from your selected bank account to cover the total amount. Also, make sure your linked bank account has sufficient funds in it to avoid declined transactions and potential third-party overdraft fees.

You should also be aware of Venmo reload limit. Venmo has a limits on the total value of reloads you can make with your card. I have explained that in one of the sections as you read on.

What is Venmo card reload?

Venmo card reload is a feature that allows you to fund your Venmo purchases even when your Venmo balance is insufficient.

If your Venmo card purchase exceeds your Venmo balance, the Venmo reloads feature will automatically pull funds from your selected bank account in increments of $10 to cover the total purchase amount. This ensures that you can purchase without worrying about declined transactions or third-party overdraft fees.

How does Venmo card reload work?

When reloads are enabled, if you attempt to make a Venmo card purchase that surpasses your Venmo balance, reloads kick in.

Example of how reloads work:

Let’s explore two scenarios to better understand how Venmo card reloads function:

Scenario 1: Suppose your Venmo balance is $0, and you want to purchase an item for $50. With reloads enabled, Venmo will add $50 from your bank account to your Venmo balance after the purchase is completed. Your Venmo balance will be reduced to $0 after deducting the $50 purchase amount.

Scenario 2: Let’s say your Venmo balance is $25, and you want to purchase $30. With reloads enabled, Venmo will add $10 from your bank account to your Venmo balance once the purchase is completed. Before deducting the $30 purchase amount, your Venmo balance will be $35 ($25 original balance + $10 reload). After deducting the $30, your Venmo balance will have $5 remaining.

The settlement of the reload transaction, which involves Venmo and your bank processing the reload, typically takes 1-2 business days. You can check the reload transaction in your bank statement after the purchase is completed.

Ensure that your selected bank account has sufficient funds to cover the Venmo card purchase in order to avoid declined transactions and avoid any potential overdraft fees.

How long to load my Venmo card for free?

If reloads are enabled and your Venmo balance is insufficient to cover a purchase, reloads will automatically add funds to your balance in $10 increments to cover the final purchase amount.

The final purchase amount is determined when the merchant captures the purchase, typically within 1-5 business days after swiping your card (though it may take up to 30 days in some cases).

If your Venmo balance is insufficient and reloads were enabled when you made the purchase, funds will be pulled from your selected bank account. To avoid any fees from your financial institution, ensure that your bank account has enough funds to cover your Venmo Debit Card purchase.

Keep in mind that bank transfer transactions (ACH) generally take 1-2 business days, so you may see the reload transaction on your bank statement a few days after completing the purchase.

To find the date a reload was triggered, review your Venmo transaction history for the line titled Reload from Bank, or use the Bank transfers filter in the app when searching your personal transactions feed under the Me tab.

Can I change my reload method?

Yes, you can change your reload method for a Venmo Debit Card purchase. However, do so before you make the purchase. If you change your reload settings after making a purchase but don’t have enough funds in your Venmo balance, Venmo will still try to use the original reload method.

Here’s how to do this- In the Venmo app, under the “Cards” tab, you can access the Venmo card section, tap on the image of your card, and choose to turn reloads on or off. This allows you to control whether or not funds should be automatically pulled from your bank account for Venmo card purchases that exceed your balance.

By default, reloads are set to pull funds in increments of $10. However, you can change this amount by contacting Venmo Support. So, purchases made before you turn off reloads may still trigger a reload, as the reload settings at the time of purchase apply to the completed transaction.

Do I need reloads turned on to use the Venmo card?

No, reloads are not a mandatory requirement to use the Venmo card. You can choose to turn reloads on or off at any time in the Venmo app.

But note that if you choose to turn off reloads, any purchases you attempt to make with your card will be declined if your Venmo balance is insufficient to cover the amount of the purchase.

Will Venmo cash withdrawals cause reloads?

No. According to Venmo’s terms, cash withdrawals made through ATMs, cash back transactions, or over-the-counter withdrawals are funded solely with your Venmo balance.

So, even if reloads are enabled, cash withdrawals are not affected by reloads and are limited to a maximum daily withdrawal limit of $400.

Can I use a credit card for reloads?

No, Venmo only supports the use of bank accounts for reloads. You need to link a valid bank account to your Venmo account to enable reloads for your Venmo Debit Card purchases. Credit cards cannot be used to fund reloads or Venmo Debit Card transactions directly.

Also note that if you link a credit card to your Venmo account, it will be used for Venmo payments and purchases separate from the Venmo Debit Card transactions and reloads.

Why can’t I turn on reloads in my Venmo app?

The availability of the option to turn on reloads in your Venmo app may vary among Venmo Debit cardholders.

While the specific reasons for this variation have not been publicly disclosed by Venmo, it is possible that access to reloads depends on factors such as the frequency of card usage or certain internal conditions set by Venmo. As a result, some Venmo cardholders may not have the option to enable reloads.

Venmo reload limits

Venmo has set limits on the total dollar value of reloads that can be made with the Venmo Debit Card. These limits are separate from the personal profile payment limits Venmos specifies on its website.

These limits are termed “Weekly Rolling Limits”.

Venmo operates on a system of rolling weekly limits for most transactions. This means that each transaction you make counts against your limit for exactly one week from the time it was authorized.

For example, if you make a payment on a Monday at 11:00 AM, that transaction will no longer count against your limit at 11:01 AM the following Monday.

Here’s a more realistic scenario- if you authorize a $45 purchase at a restaurant with a $0 Venmo balance, Venmo will hold $50 against your reload limit until the purchase is completed.

If the completed purchase amount, including a $10 tip, totals $55 and your balance remains at $0, Venmo will reload your balance with $60 and hold that amount against your reload limit for the next rolling week.

But then again, as with all things Venmo, you must understand that Venmo regularly reviews and may change the limits based on various factors, including your Venmo Account history, activity, and even your Venmo card usage.


Why don’t I see the option to add money in my Venmo app?

The ability to add money to your Venmo account is currently limited to users who have the Venmo card. So this means if you haven’t applied for the card, you won’t see or use the option to add money manually.

Can I add money to my Venmo account at a store or bank?

No, this is because currently, the only way to add money to your Venmo account is through the Venmo app itself. Physical cash cannot be added directly.

Can I cancel my transfer to my Venmo balance?

No, once a transfer to your Venmo balance is initiated, it cannot be canceled. If you change your mind, you can transfer the funds back to your bank account once the initial transfer is complete.

What if the transfer to my Venmo balance fails?

In case a transfer to your Venmo balance fails, you will be notified via email, and the funds will not move from your bank to your Venmo balance.

Final thoughts—load my Venmo card for free

So there you have it, explaining my experience on where I load my Venmo card for free. When it comes to loading your Venmo card for free, you can only do it within the Venmo app itself. No fancy tricks or secret shortcuts outside the app, unfortunately. But hey, things might change in the future as technology evolves and demands shift.

For now, though, if you want to load your Venmo card, you gotta do it from within the app. If you’ve got a Venmo Debit Card, you can add money to your Venmo balance by linking and verifying a bank account. Plus, there are other nifty methods like direct deposits, cashing checks through the app, using ATMs with your Venmo card, or simply receiving money from other Venmo users.

Read also: top stores that accept bank payment


“Venmo Debit Card Reloads.” 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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