By AppHub Editorial Team · Updated August 3, 2026

Venmo

4.1 ★

Downloads: 50,000,000+ Reviews: 887,000 Content Rating: Everyone

Overview

Features

Venmo is the fast, safe, social way to pay and get paid. Join over 90+ million people who use the Venmo app today

SEND AND RECEIVE MONEY Pay and get paid for anything from your share of rent to a gift. Add a note to each payment to share and connect with friends

SPLIT A REQUEST AMONG MULTIPLE VENMO FRIENDS You can now send a payment request to multiple Venmo friends at once and customize the amount each person owes

GET REWARDED WITH THE VENMO CREDIT CARD Earn up to 3% cash back on your elig...

Venmo is the fast, safe, social way to pay and get paid. Join over 90+ million people who use the Venmo app today SEND AND RECEIVE MONEYPay and get paid for anything from your share of rent to a gift. Add a note to each payment to share and connect with friendsSPLIT A REQUEST AMONG MULTIPLE VENMO FRIENDSYou can now send a payment request to multiple Venmo friends at once and customize the amount each person owes GET REWARDED WITH THE VENMO CREDIT CARDEarn up to 3% cash back on your eligible top spend category¹ —we’ll do the math. Split card purchases with Venmo friends, and shop everywhere Visa® credit cards are accepted—online, in-store, worldwide²BUY CRYPTO WITH AS LITTLE AS $1Buy, hold, and sell cryptocurrency right on the Venmo app. New to crypto? Learn more with in-app resources. Crypto is volatile, so it can rise and fall in value quickly. Be sure to take it at a pace you're comfortable with³SHOP WITH THE VENMO DEBIT CARDSpend your money in Venmo everywhere Mastercard® is accepted around the globe — and earn cashback from some of your favorite spots. Terms apply: venmo. me/rewards⁴VENMO TEEN ACCOUNTSA debit card of their very own and a Venmo account to send money to trusted friends and family⁵. All with no minimum balance or monthly fee DO BUSINESS ON VENMOCreate a business profile for your side gig, small business, or anything in between—all under your same Venmo accountMANAGE YOUR MONEYGet your Venmo money in the bank within minutes using Instant Transfer⁶. Want your paycheck up to two days earlier

●than your normal payday? Try Direct Deposit ¹Use of cash back is subject to the terms of the Venmo account. See Rewards Program Terms: https://www. synchronycredit. com/gecrbterms/html/RewardsTerms.htm²Application subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to applicationThe Venmo Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc. VISA is a registered trademark of Visa International Service Association and used under license³Terms apply. Only available in the US and limited in certain states. Buying and selling cryptocurrency is subject to a number of risk and may result in significant losses. Venmo does not make any recommendation regarding buying or selling cryptocurrency. Consider seeking advice from your financial or tax adviser⁴The Venmo Mastercard® is issued by The Bancorp Bank, N. A., pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp Bank, N. A. is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from Venmo⁵ The Venmo Teen Debit Card is available for eligible users 13-17 years old with parent or legal guardian sign up. Terms apply⁶ Transfer speed depends on your bank and could take up to 30 minutes. Transfers are reviewed which may result in delays or funds being frozen or removed from your Venmo account.

●The availability of Direct Deposit is subject to your employer sending paycheck information 1-2 days in advance of payday. Early access compared to standard banking practice of posting funds at settlement and subject to your employer providing pay information to the bank prior to payday. It may take up to two pay cycles for Direct Deposit to take effect. Transactions are reviewed, which may result in delays or funds being frozen or removed from your accountEmoji artwork is provided by emojitwo. github. io/, originally released as emojione. com/ by Ranks. com with contributions from the Emojitwo community and is licensed under creativecommons. org/licenses/by/4.0/legalcodeVenmo2211 N. First St., San Jose, CA 95131

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Ratings breakdown

887,000 reviews

5★

69%

4★

3★

2★

1★

18%

Developer contact

Name

PayPal, Inc.

Address

2211 N 1st St San Jose, CA 95131 United States

Website

https://venmo.com/

Phone

+1 866-380-6583

Support

support+android@venmo.com

Privacy

View policy

Frequently Asked Questions

Is Venmo free to download and use?

high

Yes, the Venmo app is free to download. Sending money, splitting payments, and creating a Venmo account are free services. There are optional paid features like Instant Transfer for a fee and the Venmo Credit Card, which is subject to credit approval.

Source: app_metadata

Does Venmo have fees?

high

The core service of sending money from a Venmo balance or bank account is free. Fees apply for optional services: Instant Transfer to a bank account has a fee, and using a credit card to send money may incur a 3% fee. The Venmo Credit Card has its own terms.

Source: app_metadata

Why is my Venmo app crashing or not loading?

medium

Recent user reviews (October 2025 and February 2026) report issues with the app crashing, failing to load, or a specific 'tap to pay' feature not working. One user noted problems starting 'about a week ago'. These reports indicate a potential recent bug or stability issue affecting some users.

Source: user_reviews

Can I change my name in the Venmo app?

low

A recent user review (February 2026) reported difficulty changing their legal name within the app. According to this user, the process went through identity verification but did not ultimately update the name. This suggests the in-app name change feature may have issues for some users.

Source: user_reviews

Can I use my Venmo Debit Card to buy things like ammunition or firearms?

low

No. A user review highlighted that Venmo's terms of service prohibit using the debit card for certain legal purchases, including ammunition and firearms. We recommend reviewing the full terms of service to understand all prohibited uses before obtaining the debit card.

Source: user_reviews, app_metadata

How to Use

Venmo is a social payments app that allows you to send and receive money, split bills, and manage finances with features like a debit and credit card, cryptocurrency trading, and business accounts. (app_description)

Getting Started

Source: app_description

Download the free Venmo app from the Google Play Store and create an account.
Link a bank account, debit card, or credit card to fund your Venmo balance and send payments.
Verify your identity by providing requested personal information to unlock full features, including higher transfer limits and debit card eligibility.
To send money, tap the 'Pay or Request' button, select a friend, enter an amount, and add a note (the social feed is optional).
To receive money, share your Venmo username or QR code. Funds are available in your Venmo balance for spending or transfer.

Key Features (from app listing)

Source: app_description

Send and receive money instantly between friends
Split payments and send requests to multiple friends simultaneously
Venmo Credit Card offering up to 3% cash back in a top spend category
Venmo Debit Card for spending your Venmo balance anywhere Mastercard is accepted
Buy, hold, and sell cryptocurrency like Bitcoin and Ethereum directly in the app
Teen Accounts for users aged 13-17 with parental oversight
Business profiles for managing a small business or side gig
Direct Deposit for early access to your paycheck
Instant Transfer to move money to your bank account in minutes (fee applies)

Pro Tip: If you are a business user needing 'tap to pay' functionality, be aware that a recent user review (February 2026) reported this feature did not work, showing a 'something went wrong' error. Consider testing this feature early and ensuring your device is fully compatible to avoid issues at events.

This tip is derived from a specific user complaint in the recent_reviews (Review #2) about a business account feature failure, suggesting a potential instability or setup issue for this feature.

How this content was created

Content type: pattern_analysis_of_user_reviews_and_metadata

AI generated: Yes

Data sources:

Google Play user reviews (12-20 preferred; may be smaller if source data is limited per app), April 2025 to February 2026
Google Play ratings distribution
App Store listing metadata

Limitations:

Review samples are not statistically representative of all user sentiment
High-engagement negative reviews can overrepresent complaints
Claims labeled 'low confidence' are based on single-review observations only
No real-world app testing was conducted
Feature availability may vary by region, device, and app version
The review sample for this analysis was limited to 5 recent reviews, which may not capture broader sentiment. High-engagement and balanced review buckets were unavailable.
The ratings distribution was not available for this app.

Pros & Cons

Based on analysis of Google Play user reviews

Pros

The app is reported as 'easy to use' by at least one user. low

Theme 'ease of use' identified in 1 recent review (Review #2) where the user, despite encountering a specific problem, stated 'App is easy to use'. This is a direct statement from a single reviewer and is classified as a recent pattern.

Evidence (1)

“App is easy to use but I created a business account and enrolled in tap to pay so I can take payments at events and I haven't been able to get it to work once.”
Rating: 1★ February 11, 2026 75 likes
The core money transfer service is positively perceived by at least one user. low

Theme 'liking the service' identified in 1 recent review (Review #5). The user explicitly states 'I like the service', though they then detail interface annoyances. This is a single-review observation and classified as a recent pattern.

Evidence (1)

“I like the service, but find the app annoying. When you click notifications for the first time, it will take you to the app, but then the notification gets stuck and won't do anything.”
Rating: 4★ April 22, 2025 678 likes

Cons

App instability (failure to load, crashing, or not functioning) is a recurring recent concern reported by multiple users. medium

Theme 'app instability' identified in 2 recent reviews (Review #3 and Review #2). Review #3 describes the software having 'problems even loading' and the app 'stopping' during use. Review #2 describes the 'tap to pay' feature for business accounts repeatedly failing with a 'something went wrong' error. These two independent reports of app malfunction constitute a cross-reviewer pattern.

Evidence (2)

“This app was fine until about a week ago. I depend on Venmo for important matters, but it has recently started misbehaving. I don't think I can trust it anymore for anything important. First, the software seems to have problems even loading this past week. Secondly, when the app is behaving, it stop”
Rating: 1★ October 16, 2025 1,643 likes

“App is easy to use but I created a business account and enrolled in tap to pay so I can take payments at events and I haven't been able to get it to work once. It keeps saying "something went wrong" and that's the whole reason I got the business account and it doesn't even work.”
Rating: 1★ February 11, 2026 75 likes
Notification management in the app is reported as buggy by at least one user. low

Theme 'notification issues' identified in 1 recent review (Review #5). The user describes a specific bug where notifications get 'stuck' after being clicked and cannot be cleared without manual swiping. This is a single-review observation.

Evidence (1)

“I like the service, but find the app annoying. When you click notifications for the first time, it will take you to the app, but then the notification gets stuck and won't do anything. It won't clear unless you manually swipe it away.”
Rating: 4★ April 22, 2025 678 likes
Inability to change one's legal name within the app is reported by at least one user. low

Theme 'identity verification/name change issue' identified in 1 recent review (Review #1). The user reports the app 'will not let me change my legal name' despite confirming their identity, and this blockage prevents them from getting a debit card. This is a single-review observation.

Evidence (1)

“The app will not let me change my legal name. It sends me notifications to confirm a few details, says my identity has been verified, but won't change my legal name. I'm unable to get a debit card because of this.”
Rating: 1★ February 20, 2026 12 likes
In-app navigation and finding settings/links is reported as difficult by at least one user. low

Theme 'poor in-app navigation' identified in 1 recent review (Review #5). The user specifically states 'It's difficult to find things in-app (like the link to your profile...)' as part of their complaint. This is a single-review observation.

Evidence (1)

“It's difficult to find things in-app (like the link to your pro”
Rating: 4★ April 22, 2025 678 likes
Venmo's terms of service restrict purchases of legally purchasable items (e.g., ammunition) is reported by at least one user. low

Theme 'prohibited purchases' identified in 1 recent review (Review #4). The user planned to use the debit card for 'sportsman' purchases but found these items are prohibited by Venmo's terms of service, which they consider a significant limitation. This is a single-review observation.

Evidence (1)

“I got Venmo and the debit card with the intention of using it as a way to save for personal fun spending. Turns out, as a sportsman, many of the things I was planning on using it for are prohibited by their terms of service even though they're legal purchases (think ammunition, firearms, etc. from l”
Rating: 2★ July 04, 2025 1,518 likes

Recent Reviews

Nathalie Nation

1★

The app will not let me change my legal name. It sends me notifications to confirm a few details, says my identity has been verified, but won't change my legal name. I'm unable to get a debit card because of this. That's not a big deal since I can just transfer money to my bank. What is a big deal is the fact that their customer support directs me to call the number and the number is completed automated, anything not listed in their menu you can't get help for. It's an awful support setup

February 20, 2026 12 likes

Dustin Toney

1★

App is easy to use but I created a business account and enrolled in tap to pay so I can take payments at events and I haven't been able to get it to work once. It keeps saying "something went wrong" and that's the whole reason I got the business account and it doesn't even work. I also can't change my cover photo. Every time I go to change it, it says that I need to use certain formats, and I am but the app is failing to upload apparently. Don't trust it for your business use.

February 11, 2026 75 likes

Trent Kelly

1★

This app was fine until about a week ago. I depend on Venmo for important matters, but it has recently started misbehaving. I don't think I can trust it anymore for anything important. First, the software seems to have problems even loading this past week. Secondly, when the app is behaving, it stopped transferring money in the middle of a series of payments I was making. No solution seems to be within sight. I don't think I can trust it anymore.

October 16, 2025 1,643 likes

TJ Christensen

2★

I got Venmo and the debit card with the intention of using it as a way to save for personal fun spending. Turns out, as a sportsman, many of the things I was planning on using it for are prohibited by their terms of service even though they're legal purchases (think ammunition, firearms, etc. from licensed companies). Large money transfers also take a LONG time, and customer service is a joke when needed, as it relies heavily on an incompetent AI system. I'll be looking for other solutions.

July 04, 2025 1,518 likes

Kayleigh Rhodes

4★

I like the service, but find the app annoying. When you click notifications for the first time, it will take you to the app, but then the notification gets stuck and won't do anything. It won't clear unless you manually swipe it away. It's difficult to find things in-app (like the link to your profile, for some reason???), it automatically switches you to "transactions" even when you've clicked on "wallet" multiple times. Just frustrating.

April 22, 2025 678 likes

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