Venmo debit card fees are limited: ordering the card, keeping it, and swiping it at merchants costs nothing, and in-network ATM withdrawals are free. You’ll pay only in specific situations — pulling cash from an out-of-network ATM, taking cash from a bank teller, loading cash at a store, or moving your balance to your bank instantly instead of waiting a few days.
What the Card Itself Costs
Nothing to order. No monthly maintenance charge. No inactivity fee if the card sits unused.1Venmo. About Venmo Fees If the card is lost or stolen, Venmo replaces it at no cost. A declined transaction for insufficient funds doesn’t trigger a fee either; the purchase just won’t go through.
Purchases at merchants in the United States are free to make, and Venmo does not add an international transaction fee on purchases made abroad.2Venmo Help Center. Venmo Debit Card FAQ
Fees for Getting Cash
This is where most Venmo debit card fees show up. The amount depends on how you access the cash.
ATM Withdrawals
Using a MoneyPass ATM is free.3Venmo. Fees MoneyPass machines sit inside many major retailers and banks; the Venmo app has a locator, and the ATM itself will display the MoneyPass logo.
Any ATM outside that network costs $2.50 per withdrawal, pulled straight from your Venmo balance.2Venmo Help Center. Venmo Debit Card FAQ The ATM operator can also tack on its own surcharge. Federal rules require that operator fee to appear on the screen before you confirm, so you can back out if the total is too high.4eCFR. 12 CFR Part 1005 – Electronic Fund Transfers (Regulation E) Balance inquiries at any ATM, in-network or not, cost nothing.3Venmo. Fees
Cash Back at Checkout
Requesting cash back during a purchase at a merchant that accepts Maestro or PULSE is free.2Venmo Help Center. Venmo Debit Card FAQ Ask the cashier before ringing up the sale. The amount counts against your daily cash withdrawal limit.
Teller Withdrawals
Taking cash from a bank teller using your Venmo debit card costs a flat $3.00 per transaction when a signature is required.1Venmo. About Venmo Fees The bank may charge its own fee on top of that.
Adding Cash at a Store
Loading physical cash onto your Venmo balance at a participating retailer costs $3.74 per transaction.1Venmo. About Venmo Fees You can add between $20 and $500 at a staffed register by presenting the card.5Venmo. Add Cash in Stores Transferring money from a linked bank account into Venmo is free, so the in-store reload is really only useful when you’re starting with cash.
Using the Card Internationally
Purchases abroad carry no Venmo surcharge.2Venmo Help Center. Venmo Debit Card FAQ Mastercard sets the exchange rate at the time the transaction is authorized, and that rate can shift slightly before the charge fully posts.6Mastercard. Currency Converter
Cash is a different story. Foreign ATM withdrawals still carry the $2.50 out-of-network fee, and the local ATM operator may add a surcharge.2Venmo Help Center. Venmo Debit Card FAQ Fewer, larger withdrawals cut down on per-transaction costs, and paying directly with the card avoids the ATM fee altogether.
Moving Money Out of Venmo
A standard transfer from your Venmo balance to a linked bank account is free and usually arrives in one to three business days. An instant transfer costs 1.75% of the amount, with a $0.25 minimum and a $25 maximum.3Venmo. Fees An instant transfer of $500, for instance, costs $8.75.
Sending money to another Venmo user from your balance or linked bank account is free. Sending from a credit card carries a 3% fee.
Daily Limits to Watch
These aren’t fees, but hitting one mid-transaction can send you to a fee-charging alternative, so they’re worth knowing:7Venmo. Using Your Venmo Debit Card
- Purchases: up to $3,000 per day, with a $2,999.99 cap on any single transaction.
- Cash out: up to $1,000 per day combined across ATM withdrawals, teller withdrawals, and cash back at the register.
- Thirty transactions per day, maximum.
Limits reset at 12:00 AM Central Time.