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 balance 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 want to make payments over your Venmo balance, you'll need to add a U.S. bank account, credit card, or debit card.
You can find more information in our User Agreement.