How To Get Money From Venmo Without a Bank Account


If you use payment apps like Venmo or Cash App to receive payments, you usually go through a predefined procedure. Receiving money to your Venmo accounts and withdrawing it to your bank account.

Now, let’s imagine your bank account doesn’t exist for some reason. Can you get money from Venmo without your bank account?


It’s possible to withdraw money from Venmo without ‘using’ a bank account, but it’s also complicated.

Not to worry, as in this article, I’ll show you how to get money from Venmo without a bank account.


Can You Get Money From Venmo Without a Bank Account?


While the easiest way to get your money off Venmo is by linking your bank account, you can also withdraw money, even if you don’t have a bank account.

However, for this to be possible, you must have a Venmo debit card. The Venmo debit card is a MasterCard debit card that gives you access to all of the features of a regular debit card, including cash withdrawals at ATMs.

The debit card works directly with your Venmo balance. Whatever you have on your Venmo balance is the amount that you have on the card. If someone tops you up on Venmo, it also reflects on the card.

The Venmo MasterCard doesn’t only let you spend from your Venmo balance; you can also get enticing cashback when you do so.

You can withdraw money from any ATM that accepts MasterCard in the United States, basically any functional ATM right now. If you withdraw at a MoneyPass ATM, it will be free of charge, with no hidden fees included.

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Now, you get that the Venmo debit card is cool and all, but how do you get your hands on one?


How to Get the Venmo MasterCard Debit Card


If we’re reading the same thing, you should know you need a Venmo debit card to withdraw money from your Venmo account without a bank account.

However, how do you get the Venmo MasterCard debit card?

Firstly, you should be 18 or older before applying for a debit card from Venmo. Like most similar payment services, Venmo doesn’t issue its cards to juveniles.

Also, you must have all the information required to get a debit card. This includes a government-issued ID, a social security number, and of course, your date of birth and your birth name.


If you have all these handy, you can pick up your phone and follow the steps below to get your card.

  1. Launch Venmo on your phone (Android or iPhone).
  2. At the top left corner of the Venmo interface, tap on the three horizontal lines hiding the Venmo menu. Select ‘Venmo Card’ from the list of options if it’s available. If it’s not, you may be ineligible for a Venmo debit card for some reason.
  3. Once you tap on ‘Venmo Card,’ you’ll get to a page touting the features and benefits of a Venmo card. Just tap on the ‘Get The Venmo Card’ at the bottom of the page to continue.
  4. You can customize the color of your Venmo card. There are five colors available; pink, purple, blue, white, and black. The pink looks cool tho, and I’m not a female.
  5. After choosing your preferred color for the card, you will need to enter some personal information to get the card application underway.

Firstly, you’ll need to enter your first and last names. When you tap Next, you will have to enter the last four digits of your SSN, as well as your date of birth.

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Just make sure you’re above 18, or the Venmo debit card application will ultimately fail. Then, you must acknowledge that you’ve read the Terms and Conditions and a bunch of other policies that you won’t have time to read.


Tap next to continue.

  1. Now, you’ll need to enter your address. Since this address is where your Venmo card will ship, you want to make sure it is correct.
  2. When you tap Next, you’ll arrive at a page where you can choose to automatically reload your Venmo card when it’s running out of balance.

Since you want to withdraw money without a bank account, tap on the toggle to turn this off and tap on Next.

Now, you’ll see a quick overview of every piece of information you’ve entered so far. Crosscheck to note any mistakes and correct them before tapping ‘Submit.’

Once you apply, Venmo will try to verify your information over the next couple of days. If the information verification is successful, Venmo will ship your card over to the supplied address.

The card should arrive in around five to seven days from when you tap submit.


How to Get Money From Venmo Without a Bank Account


Now that you have your Venmo MasterCard credit card, how do you get your Venmo funds exactly?

Well, it’s simple. Just take the activated card to any ATM outlet that accepts MasterCard. You can withdraw funds from your Venmo account at an ATM using your Venmo debit card.

However, there is a daily withdrawal limit. You cannot withdraw more than $400 per day using a Venmo debit card. While that doesn’t sound like a lot, at least it’s possible to get money from Venmo without a bank account.


What Are The ATM Withdrawal Fees for Venmo Debit Cards?


Venmo currently charges nothing for ATM withdrawals. However, you will have to take responsibility for all ATM charges.

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However, you can get around ATM charges if you use a MoneyPass ATM. You can search for the closest MoneyPass ATM to avoid paying ridiculous fees to withdraw money from Venmo.









Gone are the days when you only use payment apps to tip gamers on Twitch. Now, you can even operate your Venmo account like a full-blown bank account and even use a debit card if you don’t mind a $400 limit.

That’s beside the point. The main point is that you can get money from Venmo without sending it to your bank account.

And as it turns out, the process is even less painful than using a bank account.

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