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Can You Send Money On Venmo Without A card? (Explained)

Can You Send Money On Venmo Without A card? (Explained)

Venmo is one of the best digital wallet apps available. Millions of people use this great service every day to simplify their financial transactions. Even businesses use Venmo to simplify transactions and keep their money moving smoothly. Most digital wallet apps do require that you have your account linked to a debit card or bank account. However, with Venmo, you can use your account without a card. 

You should be aware, though, that for the best Venmo experience, it is advised that you have your account linked to a debit card or bank account.

Let’s get more into this important topic. The more you know about your Venmo account, the better you can manage your money and simplify your transactions. 

Why Would You Need To Send Money On Venmo Without a Card?

First, let’s look at why you might want to conduct your Venmo transactions without a card or bank account.

The most common reason would be that you simply do not have a bank account. Not everyone has a traditional bank account. As more and more digital money management tools become available, more and more people are ditching traditional banking systems.

This is completely an individual choice. Just know, that you can use your Venmo account without a linked debit or bank account. 

Another common reason you may want to use your Venmo account without a bank account is that you simply do not wish to link the account.

Some people are very protective of their banking info and do not wish to share it with an app. That is perfectly fine, and you can still use your Venmo account without linking to a bank account or a debit card

How Do I Use My Account If It’s Not Linked To My Bank?

If you have chosen not to link your bank account or if you do not have a bank account, you can still use Venmo. In order to do so, you will need a balance in your Venmo account.

Since you are not transferring money to the account from a bank or debit card, this balance will be the result of transactions that are being sent to you from other users. 

For instance, friends, family or customers may send you payments for services, gifts, allowances, and so forth. You will be able to use any of the money in the balance to conduct transactions with other Venmo users and vendors that accept Venmo. You will need to check and make sure that the vendor accepts Venmo. 

Your balance will not increase, however, until more payments are made to you from other users. 

Should You Try Sending Money On Venmo Without A Card?

It is perfectly fine to send money on Venmo without a debit card linked or a bank account. However, you will need to keep a close eye on your balance to make sure you have sufficient funds to cover the transactions you are doing. 

Unlike a bank account, Venmo transactions do not have any type of overdraft protection. This means that if you attempt to make a transaction and you do not have sufficient funds to cover the transaction the transaction will not be approved.

Venmo will not pay the transaction on your behalf and then collect an overdraft fee like a traditional bank account might. The transaction simply will not go through. 

How Would You Send Money On Venmo Without A Card?

If you wish to send money on Venmo without a linked bank account or debit card, you would simply check your balance to ensure you have sufficient Venmo funds to cover the transaction, and then initiate the transaction. 

Always be sure to check your balance to avoid delays with your payments. 

Benefits of Linking a Bank Account

Even though you can easily use your Venmo account without a linked card, there are some benefits to linking your Venmo to your bank. 

You will be able to transfer money from your bank account to your Venmo account easily. This means that you can always be sure you have sufficient Venmo funds to cover mobile transactions you wish to conduct with other users or vendors. 

If you use your Venmo account to receive payments for goods or services you provide, then you may want to have a way to get this money into your regular checking or savings account. Linking your Venmo with your bank makes this quick and easy. 

What Is a Venmo Card?

Here we have discussed linking your Venmo account with your debit card or your banking account. You should also be aware that Venmo also provides a Venmo Master card as well.

There are other benefits for this card that might be useful for you. 

Final Thoughts 

Venmo is one of the best digital wallet apps available. Millions of people use this great service every day to simplify their financial transactions. Even businesses use Venmo to simplify transactions and keep their money moving smoothly.

Most digital wallet apps do require that you have your account linked to a debit card or bank account, however, with Venmo you can use your account without a card.