Can I use my Venmo Mastercard® Debit Card to make ATM withdrawals or get cash back with my purchase?
Yes! You can use your Venmo Debit Card to make cash withdrawals at ATMs or, as cash back when completing a purchase, nationwide. Just look for the Mastercard®, PULSE®, Cirrus® or MoneyPass® acceptance marks for ATMs, and the Mastercard, Maestro®, or PULSE acceptance marks at the Point of Sale. You'll need your Venmo Debit Card PIN to obtain cash (if you have forgotten the PIN that you set during card activation, you can reset it in the Venmo app under Settings > Venmo Debit Card).
There may be fees associated with obtaining cash. A $2.50 ATM Domestic Withdrawal Fee and a $3.00 Over the Counter Withdrawal Fee applies when a signature is required to obtain cash back at a bank or financial institution. ATM owner fees may also apply. You may withdraw funds at no-cost when using a MoneyPass ATM within the U.S. and in some U.S. territories.
If you are looking for ways to withdraw cash using your Venmo Debit Card at no cost there are options! You can withdraw funds from your balance at no cost when using a MoneyPass ATM within the U.S. and in some U.S. territories. Find MoneyPass ATMs by clicking here. Cash back with a purchase is also available at Point of Sale devices at no-cost, as permissible by a merchant that bears the Mastercard, Maestro, or PULSE acceptance marks, and is dependent on retailer participation. Please verify acceptance with retailer at the time of the transaction.
Please note, that any cash withdrawal (ATM, cash back with a purchase at Point of Sale devices, or Over the Counter) is funded solely with your Venmo balance, even if you have reloads available on your account and enabled. Withdrawals are limited to the funds in your Venmo balance, up to a $400 USD daily withdrawal limit. See the Venmo Mastercard Cardholder Agreement for full details.
Do I need to move money from my Venmo account to my Venmo Debit Card?
The Venmo Debit Card uses the money in your Venmo balance, so there aren’t any extra steps you’ll need to take unless you want to add more money to your balance. You can find more information about how to do that here. Some Venmo Debit Cardholders can also turn on reloads for their Venmo Debit Card. You can find more information about this here.
Where can I use my Venmo Debit Card?
Everywhere Mastercard is accepted in the U.S. and in U.S. territories. Please note Venmo and the Venmo Debit Card cannot be used with international merchants, even if you are placing an online order from the U.S.
Can I use my Venmo Debit Card outside of the US?
The Venmo Debit Card may currently only be used in the U.S. and U.S territories, at U.S. merchants for transactions in USD. Please note Venmo and the Venmo Debit Card cannot be used with international merchants, even if you are placing an online order from the U.S.
Can I see my Venmo Debit Card number in the Venmo app?
Your Venmo Debit Card number is not displayed in the Venmo app. If you’ve misplaced your card, we recommend disabling it in the app and contacting us to order a new one.
Where do I find my card transaction history?
In the Venmo app, you can find your card purchases by tapping the "$☰" icon at the top of the app and then choosing Transactions. You can view all of your transaction history including any Venmo Debit Card reloads (if available on your account and enabled), Venmo Debit Card purchases, ATM withdrawals and fees, online purchases, payments to friends, and more in your personal transactions feed on the Venmo App.
Another option is to head to a computer and go to view your account statement online. All of your completed transactions, including payments to friends, bank transfers, refunds, ATM withdrawals and fees, and your card purchases and reloads (if available on your account and enabled) will be listed.
If you have questions about a specific transaction, contact us here. Or if you would prefer, you can call the number listed on the back of your Venmo Debit Card (9AM - 5PM CST Mon - Fri). Please be prepared to provide us with the name and location of the merchant you paid, along with the date and amount of the transaction.
Why was the final amount (capture) different than the initial authorization?
There may be a difference between the amount that you see when you initially authorize a purchase, and the final capture amount. Some merchants place a hold larger than the transaction amount to cover incidentals or tips (such as "pay at the pump" for fuel, or at restaurants, hotels, and car rental locations), which will impact your available balance while the authorization is pending. If no incidentals took place, or you tipped less than the held amount, your final transaction amount will reflect that difference. Please see the Venmo Mastercard Cardholder Agreement for further details.
Why is my balance less than expected before the payment is finalized?
Right after you make a purchase (authorization), all or part of your Venmo balance will be held until the purchase is finalized (captured) by the merchant. If your Venmo balance exceeds the amount of your purchase, your balance will be reduced by the authorized amount to account for this hold. This is to ensure that there are enough funds to cover the purchase once it is finalized.
However, if the amount of your purchase exceeds your available Venmo balance, the transaction may be declined unless you have reloads available on your account and enabled to cover the difference. You can learn more about how reloads work here. If the initial authorization was for a greater amount than the final capture, any funds held in excess of the final purchase amount will be made available within 30 days of completion of the transaction.
If you have more questions about authorizations and captures please see our page here.
I used my Venmo Debit Card at a gas station and now I have a pending charge that’s much larger than I expected!
When you purchase fuel at the pump, your card will be authorized when you first swipe it for an amount that’s higher than the actual amount of gas you will likely purchase. This happens to ensure that you have funds available for the purchase. While the exact amount varies by gas station, the merchant often authorizes your payment method up to $100.
Once the final purchase amount (capture) is received, the authorization will be removed and any remaining held funds will be released. Venmo has to wait to give the merchant time to complete the transaction on their end, but some merchants may capture and finalize the sale in under 3 days.
One way to avoid this large authorization is to pay the cashier for a specific amount of gas.
The Venmo Mastercard® Debit Card is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated. The Bancorp Bank; Member FDIC. The Venmo Debit Card may be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.