There are two main requirements for using Venmo:
- You must be physically located in the United States
- You must have a U.S. cell phone that can send/receive text messages from short codes (please note that this phone number can not be on file with another Venmo account)
If you ever want to transfer money from your Venmo account to your bank account (most users do), you need to add a U.S. bank account or debit card eligible for Instant Transfer. If you don't have access to a Venmo balance, you'll need to add a U.S. bank account, credit card, or debit card to make a payment. If you do have access to a Venmo balance, you'll need to add a U.S. bank account, credit card, or debit card if you want to make payment larger than the amount in your Venmo balance.
You can find more information in our User Agreement.