Venmo
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4.2
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Developer
PayPal, Inc.
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Category
Finance
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Version
10.43.0
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Android OS
Varies with device
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Downloads
150M
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Content rating
0
Pro
👍 Venmo's simple, mobile-first design makes sending, requesting and splitting money effortless — usually with just a few taps. The social activity feed adds friendly context to payments, helping you keep tabs on who paid what. Standard bank transfers are free, so routine peer-to-peer transactions are fast, casual and low-cost.
👍 Venmo offers fast, flexible transfer options — instant transfers to your bank or debit card when you need cash quickly (for a small fee), plus free standard transfers. The app also supports in-app payments, a Venmo card and merchant checkout, making it easy to pay both people and businesses from one place.
👍 Venmo includes robust security features like data encryption, PIN and biometric login, two-factor authentication and proactive fraud monitoring. Detailed transaction histories, receipts and business profiles simplify budgeting and recordkeeping, giving you more control and peace of mind when managing personal and small-business payments through the app.
Con
👎 Venmo’s social feed and privacy settings can unintentionally expose payment details. If privacy isn’t adjusted, transactions may display recipient names, messages, and amounts to friends or the public. That risk of oversharing makes Venmo less appropriate for sensitive payments or business transactions without careful configuration.
👎 Venmo charges fees for certain payment types and faster transfers. Credit-card payments typically incur about a 3% fee, and instant transfers carry a small percentage fee (around 1.75%); standard bank (ACH) transfers are free but usually take 1–3 business days. These fees and delays can surprise casual users.
👎 Venmo offers limited buyer/seller protections compared with credit cards or dedicated escrow services. It’s designed for payments between people, so dispute resolution and fraud protection can be weaker. Users also sometimes face sudden account holds or lengthy verification processes that freeze funds and require time-consuming customer support to resolve.
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