To set up a Venmo account, download the official app from your device's app store, tap "Sign Up," and verify your phone number and email address. This guide walks you through the entire process of how to set up Venmo account, from eligibility requirements to adding a payment method and securing your profile, so you can start sending and receiving money within minutes. If you ever decide the app isn't for you, you can delete Venmo account permanently in just a few steps.
What you need before you set up a Venmo account
Before you begin, make sure you meet all of Venmo's eligibility requirements. You must be physically located in the United States and have a U.S.-based cell phone number that can receive text messages from short codes (this number cannot already be linked to another Venmo account). If you need to make another Venmo account with the same number, you must first fully close your existing account. For a personal Venmo account, you must be at least 18 years old or the age of majority in your state. If you're between 13 and 17, you can use a Venmo Teen Account, which requires a parent or legal guardian to approve and link it to their own Venmo account. Additionally, your device must run Apple iOS 17 or Android Lollipop (API 26) or higher, and you'll need the Venmo app version 7.38.2 or newer. Having these ready ensures a smooth setup process.
Step 1: Download the Venmo app
Start by finding and installing the official Venmo app from the iOS App Store or Google Play Store. Open your app store, search for "Venmo," and look for the app published by Venmo (or PayPal, Inc.). Tap "Get" or "Install" and wait for the download to complete. Once installed, tap the Venmo icon to open it. If you already have an account, tap "Log In" instead.
Step 2: Create your Venmo account
After tapping "Sign Up," you'll be asked to choose your sign-up method. You can use your email address or sign up with your Facebook account. If you choose email, enter a valid email address you have access to. Next, create a secure password that is between 8 and 20 characters long and includes at least one number or symbol. Then enter your first and last name, this will be visible on your public profile. Your basic account is now created, and you'll be taken to the next step.
Step 3: Verify your phone number and email address
Verification is crucial for security and to unlock all Venmo features. The app will prompt you to verify your phone number first. Enter that code in the app when prompted. Next, you'll be asked to verify your email address. Click the verification link in that email (check your spam or junk folder if you don't see it). Once you click the link, you'll be redirected to the app, confirming your email is verified. This step ensures you receive important transaction notifications.
Step 4: Add a payment method to your Venmo account
To send money, you need to link a funding source. Open the app and tap the menu icon (three horizontal lines) in the top-left corner. You can link a bank account by entering your routing and account numbers, or link a debit or credit card by entering the card number, expiration date, and CVV. Venmo may ask you to verify the payment method for security. Keep in mind that sending money using a credit card incurs a 3.00% fee, while bank accounts and debit cards are free. Once linked, your payment method appears in your settings, and you're ready to transact.
Set up your Venmo profile and stay secure
Personalizing your profile helps friends recognize you. Tap the menu icon and go to "Settings" or "Profile." Add a profile picture from your gallery or take a new one. You can also set a display name and choose a unique Venmo handle, which is the username others use to find you, and it's worth picking something memorable. Write a short bio if you like. Beyond your profile, Venmo may require identity verification later to secure your account and enable sending or spending from your balance. This includes providing your legal name, address, date of birth, and the last four digits of your Social Security Number. To protect your account, enable two-factor authentication in the security settings. This adds an extra layer of protection, so even if someone gets your password, they can't access your account. Also, consider setting a PIN code within the app for additional security.
