How to Get Money from Venmo Without A Bank Account

a phone in someones jeans pocket, showing the Venmo logo

Venmo is becoming one of the larger payment processors across the world. As of 2020, the Venmo app reached 52 million active users and a total payment volume of $159 billion

Those numbers are what is so great about new financial tech applications and payment processors. With so many of these apps bringing convenience and speed to payments, people can get their money much faster than before just using a bank. 

However, a bank account still feels like a requirement today. Venmo doesn’t have physical bank locations or ATMs to withdraw your money from. Plus. many conveniences employees like right now, such as direct deposit of their paychecks, are usually done through a bank account

So, how are you supposed to receive the money that others send to you in Venmo to other financial institutions? And many are wondering, “How do I get money out of my Venmo account without a bank account?”

The answer lies in a service that Venmo offers to all of their users: the Venmo debit card. 

How to Get Money from Venmo Without Bank Account

For most folks, the easiest way to get money from Venmo is with a linked bank account. Many users will use one of the account verification methods in the Venmo app to give Venmo permission to send and withdraw funds to a bank account. With how easy Venmo makes it to send money back and forth between folks, it makes sense that this convenience extends to banks as well. 

However, not everyone has a bank account they can withdraw into. Instead, you can use a Venmo debit card to withdraw the funds out of your Venmo account. 

What Is The Venmo Debit Card?

The Venmo debit card is a debit card linked to a specific Venmo account. Once assigned to a Venmo account, the debit card acts like a bank-issued debit card to process payments and usage in stores or online retailers. 

Who Issues the Venmo Debit Card?

Venmo’s debit card comes from Bancorp Bank, a large bank established in 1999. In recent years, their focus has been on financial technology and growing that sector of the financial world. According to their Company page, Bancorp has issued over 100 million cards across their various platforms. 

In addition to Bancorp, MasterCard also helps back the Venmo debit card. MasterCard acts as the payment processor for the debit card, making it different than Bancorp who just issues the card. Payments you make through the Venmo debit card go through the MasterCard system. 

How to Get A Venmo Debit Card

You don’t have to have a Bancorp or MasterCard account to get the Venmo debit card. Actually, all you need to get the debit card is an active Venmo account and no other Venmo debit cards associated with the account. 

To order the Venmo debit card, you first need to go into the Settings menu, represented by an icon of three horizontal lines. Inside the settings, there is an option for Debit Card Application. 

Once you choose to start the application, you’ll be asked to offer some identifying information. Name, home address, and social security number will have to be given for the application. You also have to include a copy of a government-issued I.D., such as a driver’s license or passport, to complete the application. 

After you finish the application, you’ll have to wait for 10 to 15 business days for the application to process and your card to arrive at your home. You won’t have to pay anything to apply for or to receive the card, so sit tight and wait for your new card to arrive. 

Using the Venmo Card at an ATM

Using a Venmo debit card at an ATM works much like any other ATM. You’ll need to make sure that the ATM accepts MasterCard debit cards first. Once you’re sure of that, you’re good to go. 

Follow the on-screen prompts, including inputting your PIN and other information. Once you finish up with that, you’ll choose how much cash to withdraw from your Venmo account and get your money and receipt. 

If the ATM doesn’t warn you, you should be aware that there is a fee to withdraw from a Venmo account at an ATM. Most ATMs will charge a $2.50 fee to access the cash. If you instead want to withdraw at a bank or similar institution, the fee goes up to $3.00. 

Adding Money to Venmo Account With A Bank Account

A photo of a laptop, cell phone, and three one hundred dollar bills. The cell screen shows the Venmo app from the Apple store

Just like you can get money from Venmo without a bank account, you can add money to it as well. For some further good news: you won’t need a debit card to do these options, either.  

Direct Deposits

If you do get a debit card for your Venmo account, you can use that card to set up a direct deposit with your employer. Direct deposits require both a routing and account number to send the money. Thankfully, debit cards need both of these numbers to operate. 

Check Deposits

You can deposit checks into a Venmo account, even if you don’t have a Venmo debit card linked to the account. If you have done a mobile check deposit before, then the process will look familiar. 

To deposit a check into Venmo, you’ll want to go into the Manage Balance options to find the Cash A Check command. By tapping on that, you’ll be prompted to enter the amount for the check. After signing the check and snapping a few photos of the front and back of the check, Venmo will start adding the check to your account.  

Payments From Others 

The exact reason why Venmo came to be in the first place, you can add money to your Venmo account when someone sends you money. 

When someone sends you money, you’ll receive a notification to your Venmo app. In the app, you can see the payment and the account that sent the money over to you. By choosing the Accept option, you’ll receive the payment into your account for you to use or withdraw later. 


A zoomed in photo of a cell phone screen. The photo shows a blue icon, with a letter V, and the word Venmo

Because the process of how you get money from Venmo without a bank account can be confusing, here are some common questions out there for you to look at: 

Can You Still Receive Money In Venmo Without A Bank Account?

Yes, you can still receive money into Venmo without a bank account. Some methods, such as direct deposit, require that you have a Venmo debit card to receive the funds, though. 

How Do I Turn My Venmo Money Into Cash?

If you have a Venmo debit card, you can use the card at any ATM that accepts MasterCard to cash out your Venmo balance. Just be aware that using any ATM incurs a $2.50 fee to withdraw the cash. 

Can I Get Cash from Venmo at Walmart?

In addition to using ATMs at Walmart that accept MasterCard, you can also use Venmo as a payment option at Walmart to pay for your purchases. By scanning the QR code at the register, you can send funds from Venmo to Walmart without using a bank account or a debit card. 


While it isn’t a perfect situation, you can get money from Venmo without a bank account. By using the Venmo debit card, you can receive cash from ATMs using the debit card for a fee. Many places allow you to use Venmo as a payment option, though, making it easier than before to use your Venmo funds. 

Related: How to Transfer Money from Venmo To Apple Pay