Does the Venmo Debit Card Have Fees? ATM, Reload, and Transfer Costs

The Venmo debit card has no signup fee, no monthly maintenance fee, and no fee for purchases at merchants. Venmo debit card fees show up mainly around cash: $2.50 for an out-of-network ATM withdrawal, $3.00 for a teller withdrawal that needs a signature, $3.74 to reload cash at a store, and 1.75% (minimum $0.25, maximum $25) to move your balance to your bank instantly.¹²

What the Card Doesn’t Charge For

Ordering the card is free. There is no activation fee, no monthly charge, and no inactivity fee if your balance sits untouched.¹ Replacements for a lost or stolen card cost nothing. A declined transaction won’t hit you with an insufficient-funds fee either; the purchase simply doesn’t go through.

Everyday spending is also free. Purchases at merchants carry no fee, and checking your balance at any ATM (in-network or not) is free.² Standard bank transfers out of your Venmo balance, which take one to three business days, don’t cost anything.

ATM Withdrawal Fees

Withdrawing cash from a MoneyPass ATM is free.² MoneyPass machines are located at many major retailers and banks, and the Venmo app includes a locator.

Any ATM outside the MoneyPass network triggers a flat $2.50 fee per withdrawal, deducted from your Venmo balance.³ The ATM operator can add its own surcharge on top of that. Regulation E requires the operator to show the surcharge on screen before you confirm, so you can cancel if the total is too high.⁴

Foreign ATMs still charge the standard $2.50 out-of-network fee, even when no currency conversion is involved, and the local operator may add its own surcharge.³

If you’d rather skip the ATM, cash back at the register is free at merchants that accept Maestro or PULSE. Ask the cashier first.³

Teller Withdrawals and In-Store Cash Reloads

Requesting cash from a teller at a bank branch, known as an over-the-counter withdrawal, costs a flat $3.00 per transaction when a signature is required.¹ The bank itself may charge its own fee on top of Venmo’s.

Loading physical cash onto your Venmo balance at a store costs $3.74 per transaction. You can add between $20 and $500 at a staffed register at participating retailers.¹⁵ Transfers into your Venmo balance from a linked bank account are free, so the in-store reload is only useful when you’re depositing actual cash.

Instant Transfers to Your Bank

Moving your Venmo balance to a linked bank account through the standard transfer is free and typically clears in one to three business days. Instant transfers cost 1.75% of the amount, with a minimum of $0.25 and a maximum of $25.² Moving $500 instantly, for example, costs $8.75.

Sending money to another Venmo user from your balance or a linked bank account is free. Funding a payment with a credit card carries a 3% fee.

International Purchases

Venmo does not charge a foreign transaction fee on purchases made outside the United States.³ The exchange rate for converting foreign currency is set by Mastercard at the time the transaction is authorized and can shift slightly between the tap and final posting.⁶ So the card itself is a cheap way to spend abroad; it’s foreign ATM cash that still costs $2.50 a pop.

Daily Limits to Watch

These aren’t fees, but hitting them mid-transaction feels like one. Purchases are capped at $3,000 per day, with any single transaction limited to $2,999.99. Cash access, combining ATM withdrawals, teller withdrawals, and register cash back, is capped at $1,000 per day. Total transactions are capped at 30 per day. Limits reset at 12:00 AM Central Time.⁷

1
Venmo. About Venmo Fees
2
Venmo. Fees
3
Venmo Help Center. Venmo Debit Card FAQ
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eCFR. 12 CFR Part 1005 – Electronic Fund Transfers (Regulation E)
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Venmo. Add Cash in Stores
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Mastercard. Currency Converter
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Venmo. Using Your Venmo Debit Card