Can Venmo balance be withdrawn without a bank

No, a Venmo balance cannot be withdrawn without linking a bank account or a debit card that Venmo accepts for cash outs. Even if every other requirement is met, Venmo still needs a bank or eligible debit card to move the money out of the app.

Why Venmo Requires a Bank or Debit Card

Venmo is not a full bank. Your balance sits inside the app, and the only way Venmo can send money out to the real financial system is through a connected bank account or an approved debit card. Without one of those, the money can be used only inside Venmo for sending to friends or paying approved businesses.

People sometimes assume that having an SSN, verified ID, a U.S. phone number, or a U.S. address is enough. These things help unlock features, but none of them replace the need for a bank or debit card for withdrawals.

Options You Have

• Add a U.S. bank account: This is the most stable option. Once linked and verified, you can do a standard withdrawal (free, takes 1–3 business days) or an instant transfer to a debit card (fee applies).
• Add an eligible U.S. debit card: This allows instant transfers. It has a small fee, but it works even if you prefer not to link a full bank account.
• Send your Venmo balance to someone you trust: Technically possible, but risky. They could withdraw it for you, but Venmo can flag unusual activity. Not recommended unless absolutely necessary.

If You Already Meet All Requirements

If your identity is verified, your phone number and email are confirmed, and your Venmo account is fully active, the rule remains the same: you still cannot withdraw the balance without a bank account or supported debit card. Meeting all requirements only means Venmo allows higher limits and full features; it does not change withdrawal rules.

Small but Important Notes

• Prepaid cards rarely work for cash outs: Venmo blocks most of them.
• International bank accounts don't work: Only U.S.-based banks and cards supported by U.S. payment networks are accepted.
• Verification failures usually relate to mismatched names or outdated bank info: Make sure the name on Venmo matches the name on your bank exactly.

If you want the money physically outside Venmo, linking a U.S. bank or eligible debit card is the only safe and consistent path.