Can money be received on Venmo without SSN

You can receive money on Venmo without an SSN, but only for a short time and with big limits. If you already meet all requirements, you can receive money normally with no limits once you complete identity verification.

Receiving Money Without SSN

Venmo lets a new user create an account and receive small payments before giving an SSN. This is meant for very light use. Once you hit their internal review point (usually when you try to move money to your bank, pay someone, or receive larger amounts), the app will require verification.

• You can hold some money in the Venmo balance without SSN, but the exact limit is small and not stated clearly by Venmo.
• You cannot transfer money out to a bank or debit card until identity verification is finished.
• You cannot pay people beyond very basic limits without verification.
• Venmo will eventually freeze certain features if SSN is not provided when requested.

If you plan to use Venmo regularly (rent splits, groceries, club dues), you will need SSN or ITIN because Venmo is a financial service and must follow U.S. identity laws.

If You Already Meet All Requirements

If you have an SSN or ITIN, a U.S. phone number, and a U.S. bank account, you can fully verify your Venmo account. After verification:

• Receiving money has no practical limit for normal student use.
• You can send money freely, use Venmo balance, and transfer to a bank.
• Your account will be much less likely to freeze because Venmo can confirm your identity.

Verification usually asks for your legal name, date of birth, address, and the last four digits of your SSN. Sometimes Venmo asks for a photo ID if something does not match their records.

Important Notes

• Visa status does not affect Venmo; they only care about identity verification, not immigration category.
• No VPN when registering or transferring money; it can trigger security checks.
• Make sure your name matches your bank account exactly to avoid transfer delays.

So yes, you can receive a little money without an SSN, but it is temporary and limited. For normal, worry-free use, Venmo will eventually require SSN or ITIN.