4 Ways to Add a Bank Account & Debit Card to Venmo

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Written by Ellie Salyers

Last Updated: September 20, 2022 Tested

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Instant Verification on a Phone or Tablet

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Manual Verification on a Phone or Tablet

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Instant Verification on a Computer

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Manual Verification on a Computer

Do you want to link your bank account to your Venmo? If you use a larger US-based bank, you can do so instantly. If not, you can enter your account information manually to have access to your funds within 1-3 business days. This wikiHow teaches you how to link and verify your bank account with Venmo using a computer, phone, or tablet.

Method 1

Method 1 of 4:

Instant Verification on a Phone or Tablet

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1
Open Venmo. It's a light blue icon with a bold, white V . You'll usually find it on the home screen (iPhone/iPad) or in the app drawer (Android). If you haven't already signed in, you'll be prompted to do so.
- This method instantly links your bank account using a service called Plaid. As long as you have a larger US-based bank, you can use this method to start sending money in minutes.
You'll see it at the bottom-right corner of the screen.

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It's at the top-right corner of the screen. A menu will expand.
It's near the top of the menu.
This option appears beneath any other payment options you've added to Venmo thus far.
6
Select Bank . It's the first option in the menu.
- If you'd rather add a credit card, you can select Card here. Just be aware that there's a 3% fee each time you send money with a credit card.
7
Read the Instant Bank Verification screen and tap Next . Depending on your bank, you may be able to link it instantly by verifying it through a service called Plaid. ^{[1]
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Research source}
- If you'd rather add your bank manually (or you've already tried connecting your bank and found that it's incompatible with Plaid, tap Verify bank manually instead at the bottom and follow the on-screen instructions to enter your banking information.
This screen just tells you that Plaid won't share your password with anyone and that the connection will be secure.
9
Select your bank. Tap your bank's logo in the list if it appears. If you don't see it, type its name into the search bar at the top of the screen, then tap it if/when it appears.
- If you can't find your bank, you'll have to verify manually. See Using Manual Verification on a Phone or Tablet to learn how.
The login method varies by bank, so follow the on-screen instructions to access your account.
11
Follow the on-screen instructions to verify. The instructions vary by bank. Once you're verified, you can start using your account to send money.
- Some banks require you to generate a one-time application code on their website or in their app. If this is the case for your bank, follow the on-screen instructions to generate and validate the code.
- See this wikiHow to learn how to send your first payment on Venmo.

Method 2

Method 2 of 4:

Manual Verification on a Phone or Tablet

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1
Open the Venmo app. It's a light blue icon with a bold, white V . You'll usually find it on the home screen (iPhone/iPad) or in the app drawer (Android). If you haven't already signed in, you'll be prompted to do so.
- This method requires you to wait a 1-3 business days to receive a few small deposits from Venmo. Once you receive and confirm these deposits, you can start using your bank account in the app.
- Have a check handy so you can enter your routing and account numbers. You'll also need at least $2 in your bank account to avoid potential bank fees. ^{[2]
  X
  Research source}
- If you're using a computer, click here to sign in to your Venmo account online. The steps will be very similar to the app.
You'll see it at the bottom-right corner of the screen.
It's at the top-right corner of the screen. A menu will expand.
It's near the top of the menu.
This appears below any payment methods you've already added.
It's the first option in the menu.
This is located underneath the blue "Next" button.
8
Enter your bank account details. Grab a check and follow these steps:
- Type your routing number into the first blank. This is the 9-digit number typically found in the bottom-left part of a check.
- Type your account number into the second blank. It's at the bottom-right edge of the check. Be sure you don't include the check number, which sometimes appears at the bottom-right corner after your account number.
- Type your account number into the third blank to confirm.
It's at the bottom of the form.
10
Check your recent bank transactions in 1-3 business days. Look for two small (less than $1) deposits from Venmo in your online banking account. You'll need these exact amounts to confirm.
- If you don't have online banking, call your bank and ask for the amounts from two recent deposits from Venmo.
Go to venmo.com/verifybank in a web browser. You can do this on a computer, phone, or tablet.
12
Enter your Venmo sign-in details and tap Sign In . This will bring you to a page that allows you to enter the recent deposits.
- If you haven't signed into Venmo on the web, follow the on-screen instructions to request and enter a sign-in confirmation code.
13
Enter the two amounts as requested. Once Venmo confirms the amounts, your bank account will be validated and ready to use.
- See this wikiHow to learn how to send your first payment on Venmo.

Method 3

Method 3 of 4:

Instant Verification on a Computer

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1
Go to venmo.com on your computer. You can use any web browser on your computer to add your bank account.
- If you're not already signed into your account, click Log In at the top-right corner to sign in now.
- This method instantly links your bank account using a service called Plaid. As long as you have a larger US-based bank, you can use this method to start sending money in minutes.
This is located in the left menu.
This is also located in the left menu.
It's under the "Payment methods" header near the center of the page.
It's the first option.
This is located underneath "Instant Bank Verification." You will be able to read some further information about Plaid here.
This screen just tells you that Plaid won't share your password with anyone and that the connection will be secure.
8
Select your bank. Click your bank's logo in the list if it appears. If you don't see it, type its name into the search bar at the top of the screen, then click it if/when it appears.
- If you can't find your bank, you'll have to verify manually. See Using Manual Verification on a Computer to learn how.
The login method varies by bank, so follow the on-screen instructions to access your account.
10
Follow the on-screen instructions to verify. The instructions vary by bank. Once you're verified, you can start using your account to send money.
- Some banks require you to generate a one-time application code on their website or in their app. If this is the case for your bank, follow the on-screen instructions to generate and validate the code.
- See this wikiHow to learn how to send your first payment on Venmo.

Method 4

Method 4 of 4:

Manual Verification on a Computer

Download Article

1
Go to venmo.com on your computer. You can use any web browser on your computer to add your bank account.
- If you're not already signed into your account, click Log in at the top-right corner to sign in now.
- This method requires you to wait a 1-3 business days to receive a few small deposits from Venmo. Once you receive and confirm these deposits, you can start using your bank account in the app.
- Have a check handy so you can enter your routing and account numbers. You'll also need at least $2 in your bank account to avoid potential bank fees.
This is located in the left menu.
This is also located in the left menu.
It's under the "Payment methods" header near the center of the page.
It's the first option.
This is located underneath the blue "Next" button.
7
Enter your bank account details. Grab a check and follow these steps:
- Type your routing number into the first blank. This is the 9-digit number typically found in the bottom-left part of a check.
- Type your account number into the second blank. It's at the bottom-right edge of the check. Be sure you don't include the check number, which sometimes appears at the bottom-right corner after your account number.
- Type your account number into the third blank to confirm.
It's the blue button at the bottom of the form.
9
Check your recent bank transactions in 1-3 business days. Look for two small (less than $1) deposits from Venmo in your online banking account. You'll need these exact amounts to confirm.
- If you don't have online banking, call your bank and ask for the amounts from two recent deposits from Venmo.
10
Go to venmo.com/verifybank in a web browser. You can do this on a computer, phone, or tablet.
- If you're not already signed in, follow the on-screen instructions to sign in now.
11
Enter the two amounts as requested. Once Venmo confirms the amounts, your bank account will be validated and ready to use.
- See this wikiHow to learn how to send your first payment on Venmo.