The most straightforward way to get money out of Venmo without a bank account is to order a free Venmo Debit Card, which lets you withdraw cash at ATMs, get cash back at stores, or spend your balance directly at retailers. There are also a few other workarounds worth knowing about, including linking a prepaid card or simply spending your balance through Venmo’s payment options.
Use the Venmo Debit Card at an ATM
The Venmo Debit Card is a Mastercard tied directly to your Venmo balance. You can order one for free through the app, and it typically arrives within 7 to 10 business days. Once activated, you can use it at any ATM displaying the Mastercard, Cirrus, PULSE, or MoneyPass logos.
Withdrawals at MoneyPass ATMs are free, and there are roughly 40,000 of them across the U.S. If you use a non-MoneyPass ATM, Venmo charges a $2.50 fee per withdrawal, and the ATM operator may tack on its own fee as well. Your daily withdrawal limit is $1,000, which covers ATM pulls, over-the-counter bank withdrawals, and cash back combined. That limit resets at midnight Central Time.
To find a fee-free MoneyPass ATM near you, search the MoneyPass locator on their website or app. Many are inside convenience stores, pharmacies, and grocery chains.
Get Cash Back at a Store Register
If you’d rather skip the ATM entirely, use your Venmo Debit Card to make a purchase at a grocery store, pharmacy, or big-box retailer and request cash back at checkout. Most stores that accept Mastercard debit will offer this option. The amount you can get back per transaction varies by retailer, but $50 to $100 per visit is common. There’s no extra Venmo fee for cash back, though it counts toward that same $1,000 daily withdrawal limit.
This is a good option if the nearest MoneyPass ATM isn’t convenient. You do need to make at least a small purchase to request cash back, but even buying a pack of gum works.
Link a Prepaid Debit Card
If you don’t have a traditional bank account, you can link a prepaid debit card to your Venmo account and transfer your balance to it. Venmo accepts prepaid cards from Visa, Mastercard, Discover, and American Express, as long as the card is registered in your name. Popular prepaid options like Green Dot and Netspend cards often work, though some cards may be declined by the issuer for fraud prevention or funds availability reasons.
To add one, go to Settings in the Venmo app, tap Payment Methods, and enter your prepaid card details. Once linked, you can transfer your Venmo balance to the card. Keep in mind that instant transfers (which arrive in minutes rather than days) carry a fee of 1.75% of the transfer amount. From there, you can use the prepaid card to withdraw cash at any ATM or spend it anywhere the card network is accepted.
Spend Your Balance Directly
You don’t always need to convert your Venmo balance to cash. You can spend it directly in several ways, which effectively gets the money “out” of Venmo without touching a bank account at all.
- Venmo Debit Card purchases: Swipe or tap your card at any retailer that accepts Mastercard. The purchase draws straight from your Venmo balance.
- In-app payments at checkout: Many online retailers and apps accept Venmo as a payment method at checkout. Look for the Venmo button when paying on sites like Amazon, Uber, DoorDash, and others.
- QR code payments in stores: Some retailers let you pay by scanning a Venmo QR code at the register. CVS Pharmacy was the first national chain to roll this out across all of its standalone stores, and other retailers have followed.
- Paying other people: If you owe someone money for rent, dinner, or anything else, sending it through Venmo means you’ve used the funds without needing a bank withdrawal.
Options for Teen Accounts
If you’re a parent managing a Venmo teen account, the teen can also get a Venmo Debit Card. The daily ATM withdrawal limit for teen accounts is $400 per day, lower than the standard $1,000 limit for adult accounts. The same MoneyPass fee-free ATM network applies. This gives a teenager access to their Venmo balance without needing their own bank account.
What You’ll Need to Get Started
To use most of these methods, you’ll need a verified Venmo account with your identity confirmed. Venmo requires your legal name, date of birth, Social Security number (or last four digits), and a physical address to verify your identity. Without verification, Venmo limits what you can do with your balance.
Ordering the Venmo Debit Card is the single most useful step if you don’t have a bank account. It’s free, works at millions of locations, and gives you ATM access with no fee at MoneyPass machines. Once you have it, your Venmo balance functions much like a checking account for everyday spending and cash withdrawals.