How To Get Money From Venmo Without a Bank Account

When you accept payments using payment applications such as Venmo or Cash App, you typically follow a specified method. Accepting funds into your Venmo accounts and transferring them to your bank account.
Now, consider the possibility that your bank account does not exist for some reason. Is it possible to use Venmo without having a bank account?
While it is possible to withdraw funds from Venmo without ‘using’ a bank account, the process is complex.

Not to fear; in this post, I’ll demonstrate how to use Venmo without having a bank account.

Is It Possible to Use Venmo Without Having a Bank Account?


While connecting your bank account is the simplest way to withdraw money from Venmo, you may still withdraw money if you do not have a bank account.

This is only available if you have a Venmo debit card. Venmo’s debit card is a MasterCard debit card that has all of the capabilities of a traditional debit card, including cash withdrawals from ATMs.

The debit card is linked to your Venmo money immediately. Whatever balance you have on Venmo is the balance on the card. If someone tops you up on Venmo, the transaction is reflected on the card as well.

Not only does the Venmo MasterCard allow you to spend from your Venmo balance, but it also offers attractive rewards.

You may withdraw money from any ATM in the United States that takes MasterCard, which is virtually every working ATM at the moment. If you withdraw money from a MoneyPass ATM, there are no hidden costs.

You understand that the Venmo debit card is fantastic, but how can you obtain one?


The Venmo MasterCard Debit Card: How to Obtain It

If we are reading the same thing, you should be aware that you will require a Venmo debit card in order to take funds from your Venmo account without having a bank account.

How, on the other hand, can you obtain a Venmo MasterCard debit card?

To begin, you must be at least 18 years old to apply for a Venmo debit card. Venmo, like the majority of comparable payment systems, does not issue cards to minors.

Additionally, you must have all of the essential information in order to obtain a debit card. This contains a government-issued identification card, a social security number, and, of course, your birth date and name.


If you have all of these items on hand, you may pick up your phone and proceed to the procedures below to obtain your card.

1. Open Venmo on your smartphone (Android or iPhone).

2. In the Venmo interface’s upper left corner, touch on the three horizontal lines that conceal the Venmo menu. If available, choose ‘Venmo Card’ from the list of alternatives. If not, you may be disqualified for a Venmo debit card due to a variety of factors.

3. After tapping on ‘Venmo Card,’ you’ll be sent to a website promoting the card’s features and benefits. To proceed, simply tap on the ‘Get The Venmo Card’ link at the bottom of the page.

4. You have the option of changing the color of your Venmo card. Pink, purple, blue, white, and black are the available colors. The pink, on the other hand, looks fantastic, and I am not a girl.

5. After selecting your chosen card color, you will be prompted to submit some personal information in order to begin the card application process.

To begin, you must provide your first and last names. When you hit Next, you’ll be prompted to input your SSN’s last four digits, as well as your date of birth.

Simply ensure that you are over the age of 18; else, the Venmo debit card application will fail. Then you must declare that you have read and understood the Terms and Conditions and a slew of additional policies that you will not have time to read.


Continue by tapping next.

6. At this point, you must input your address. Because this is the address to which your Venmo card will be shipped, it is critical that it be correct.

7. After tapping Next, you’ll be sent to a screen where you may elect to have your Venmo card automatically reloaded when it reaches zero balance.

Because you wish to withdraw money without a bank account, toggle this option off and then select Next.

You’ll now see a short summary of all the information you’ve input thus far. Before hitting ‘Submit,’ double-check to identify and rectify any errors.

Venmo will attempt to verify your details over the next several days after you apply. Venmo will mail your card to the provided address if the information verification process is successful.

The card should arrive around five to seven days after you click submit.

How to Use Venmo Without Having a Bank Account

Once you’ve obtained your Venmo MasterCard credit card, how precisely do you obtain your Venmo funds?

To be honest, it’s rather straightforward. Simply present the active card at any MasterCard-accepting ATM. You may use your Venmo debit card to withdraw monies from your Venmo account at an ATM.

However, a daily withdrawal restriction applies. With a Venmo debit card, you cannot withdraw more than $400 each day. While it may not sound like much, it is possible to use Venmo without having a bank account.

What Are Venmo Debit Card ATM Withdrawal Fees?

At the moment, Venmo does not charge for ATM withdrawals. However, you will be responsible for any ATM fees.

However, if you use a MoneyPass ATM, you may avoid ATM fees. You may use the MoneyPass ATM locator to avoid paying exorbitant fees when withdrawing money from Venmo.