Available regions
Applications or normal card activation are supported
United StatesUS
- Evidence
- Officially supported
Card database / Mastercard / Crypto-friendly bank account card
V
Venmo Debit Card
Updated: Aug 28, 2026
OriginalVenmo Debit Card 是 Venmo 与 The Bancorp Bank, N.A. 合作提供的 Mastercard 借记卡，直接使用用户的美元 Venmo 余额完成消费。获批后可立即查看卡片资料并添加至移动钱包，实体卡随后寄送。持卡人可在线上、线下及境外 Mastercard 商户消费，通过 Venmo Stash 在指定商户获得最高5%现金返还，并可在美国 MoneyPass ATM 免费取现。
Official and company information
Issuer identity and company credentials
Venmo is a US mobile payment service provided by PayPal, Inc., responsible for the Venmo account, app interface, rewards crediting, and credit card-related account functions. The actual credit card is issued by Synchrony Bank, which handles credit approval, credit limits, billing, interest, payments, disputes, and cash advances. Visa provides the card network and associated card-level benefits. Cryptocurrency services are provided by PayPal Digital, Inc. under the name Venmo Digital, with related crypto asset custody and trading infrastructure provided by Paxos Trust Company, LLC. Synchrony Bank is not responsible for the cryptocurrency program.
- Company / issuer
- Venmo Credit
- Legal name
- PayPal, Inc. / Venmo
- Registered region
- United States (US)
- Headquarters
- New York City, New York, United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
OriginalVenmo Debit Card 不提供信用额度，也不能直接扣除用户持有的加密货币；消费资金来自 Venmo 账户中的美元余额。余额可通过银行账户、借记卡、自动充值、工资直存、门店现金充值或其他 Venmo 用户付款获得。用户获批后可在应用内查看卡号并添加至 Apple Pay 或 Google Pay，实体卡支持芯片、感应、磁条和 PIN 交易。
该产品通过 Venmo Stash 提供商户组合返现：默认返现1%，启用自动充值后提高至2%，每月收到至少500美元 Direct Deposit 后提高至5%，每月组合返现上限为100美元。Venmo 账户还支持持有和交易部分加密资产，但消费前需要将资产出售为美元余额，不能直接以加密资产完成卡片结算。
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
V Venmo Debit Card | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | Free No monthly account maintenance fee |
| Card issuance fee | Free Application and first card free |
| ATM fee | 2.5 USD Free on MoneyPass network; other ATMs $2.50 per transaction; over-the-counter withdrawals additional $3 |
| Foreign exchange fee | Free Settled at Mastercard rate |
| Top-up fee | 3.74 USD Bank, debit card, and direct deposit free; in-store cash $3.74 per transaction; check expedited delivery additional fee |
| Failed transaction fee | — |
| Rewards | |
| Cashback | 5% Cashback rate 1%, 2%, or 5%; up to $100 per month |
| Crypto cashback | — |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | 10 USD $10 each; friend spends $50 within 30 days |
| Limits | |
| Daily spending limit | 3,000 USD Also limited to 30 transactions per day |
| Monthly spending limit | — |
| ATM withdrawal limit | 1,000 USD Includes over-the-counter and purchase cash withdrawals |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
CanadaCAChinaCNUnited KingdomGBMexicoMXTaiwanTWMacaoMOHong KongHKEuropean Economic Area
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：不能凭大陆身份和地址申请；已在美国合法居住并获批的持卡人可在 Mastercard 商户使用，也可按境外卡规则绑定微信支付和支付宝。
2、香港：本地居民不能直接申请；已在美国完成身份验证并获卡的用户，可在香港线上、线下 Mastercard 商户及兼容移动钱包中使用。
3、澳门：本地居民不能直接申请；美国获批持卡人可在接受 Mastercard 的澳门商户消费，也可在支持对应网络的 ATM 提取现金。
4、台湾：本地居民不能直接申请；已经在美国取得卡片的用户可在台湾 Mastercard 商户消费，境外交易不收额外外汇手续费。
Updated: Aug 2, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
US passport / US driver's license / US government-issued ID / DHS document / Tribal ID card / ITIN assignment letter / Social Security number card / Bank statement / Credit card statement / Securities account statement / Utility or communication bill / Pay stub / W-2 form / Residential lease / Vehicle registration document / IRS letter
Review time / regional limits
Automated verification can be completed within minutes; additional documents are usually reviewed within five business days.
KYC provider
Not disclosed
Updated
Aug 2, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported8
Not supported4
UpdatedAug 2, 2026
Wallet payments
Alipay
Supported
Aug 2, 2026
Wallet payments
Apple Pay
Supported
Aug 2, 2026
Cash services
ATM withdrawal
Supported
Aug 2, 2026
AI tools
ChatGPT
Not supported
Aug 2, 2026
AI tools
Claude
Not supported
Aug 2, 2026
Wallet payments
Google Pay
Supported
Aug 2, 2026
AI tools
Midjourney
Not supported
Aug 2, 2026
In-person payments
Offline POS
Supported
Aug 2, 2026
Online shopping
Online shopping
Supported
Aug 2, 2026
Wallet payments
PayPal
Supported
Aug 2, 2026
Subscriptions
Subscription payment
Not supported
Aug 2, 2026
Wallet payments
WeChat Pay
Supported
Aug 2, 2026
User reviews
Showing 10 approved reviews matched to this card
Venmo Google Play review - 5 star
it was great
View original Venmo Google Play review - 1 star
When I do bank transfers are actually debit card transfers, they don't get there in half an hour like they say, and they charge you the fee, sometimes they don't show up till the next day.And it's not right when they say thirty minutes , when I said it right to another debit card
View original Venmo Google Play review - 2 star
can't sign in because my number isn't verified. can't sign up because I already have a verified number.???
View original Venmo Google Play review - 1 star
There is NO deposit funds into my venmo account. I can only use it to withdraw to my bank.
View original Venmo Google Play review - 5 star
awesome
View original Venmo Google Play review - 5 star
love it!
View original Venmo Google Play review - 5 star
good
View original Venmo Google Play review - 5 star
bought tamales
View original Venmo Google Play review - 5 star
awesome always on point
View original Venmo has some of the worst customer…
Venmo has some of the worst customer service I’ve ever experienced. Representatives don’t listen, repeatedly ask the same questions, read from scripts, and put you on hold for 10+ minutes at a time. After this experience, I’m closing and deleting my account. Absolutely unacceptable customer service.
View original Risk factors
Updated: Aug 2, 2026
No risk factors are available