The moment you pay someone, the money is withdrawn from your funding source and sent to your friend’s Venmo balance for them to use.
In the app, there is an icon in the upper right hand corner of the home screen with a square and a pencil. You can add as many friends as you’d like to pay or charge, the amount, and a note. Once you’re ready, tap “Request” or “Pay” depending on the action you want to take and you should be all set!
If you’re on the web, click here to send a payment. Be sure to add the recipient, amount of the payment, and a note. If you’re requesting money, simply click “Charge”.
Do I need to add money to Venmo to pay someone?
Nope! You don't need to add money to Venmo, however the payments that you receive from friends will increase your Venmo balance, just like cash in a wallet. From there, you can use the money in your Venmo balance for payments that do not exceed the amount that is available.
However, if your payment is for more than what is available in your balance, we'll simply fund the entire payment from your primary funding source (bank account or card).
For more information on how your balance works, check out this article.