To make a Venmo without a phone number, you must use a workaround because Venmo officially requires a U.S.-based cell phone number that can receive SMS texts from short codes. There is no official way to bypass this requirement, but alternative methods exist for users who prioritize privacy or lack a qualifying mobile number.
Can you make a Venmo without a phone number?
Venmo's official documentation states that a U.S.-based cell phone number capable of sending and receiving text messages from short codes is required to create and use an account. When signing up, after entering your email and creating a password, you will be prompted to enter and verify a phone number. Venmo sends a verification code via text message to the provided number, which must be entered in the app to confirm ownership. The honest answer is that there is no official way to bypass this step, but several workarounds have been used successfully by some users.
Why Venmo requires a phone number
Venmo requires a phone number for security and verification reasons. The phone number you provide cannot be on file with another existing Venmo account, which helps prevent duplicate accounts and fraud. This verification step ensures that each account is tied to a unique, reachable contact method, making it easier for Venmo to confirm your identity and communicate important account information. If you need a second account but only have one number, you can make another Venmo account with the same number using a workaround. The requirement also helps comply with federal regulations governing financial transactions.
Why you may want to avoid using your personal number
There are several valid reasons to avoid linking your personal cell phone number to Venmo. Privacy concerns are a primary motivator, by not associating your personal number, you maintain greater control over who can access your contact information. Separating business and personal transactions is another common reason, especially for freelancers or small business owners who want a dedicated account for professional dealings. Security reasons also play a role; if your primary phone number were compromised, it could lead to unauthorized access to your Venmo account. Additionally, some users simply do not have a qualifying U.S. mobile number or prefer not to share it for personal reasons.
Workaround 1: Use a virtual phone number
Services like Google Voice or TextNow can provide a secondary number for SMS verification. To use this method, sign up for a virtual number through one of these providers, then enter that number during Venmo's registration process. Venmo will send a verification code via text to the virtual number, which you can retrieve from the provider's app or website. However, be aware that Venmo may detect and block some virtual numbers, so this method is not guaranteed to work. If successful, you can complete account setup without using your personal cell number.
Workaround 2: Ask a friend or family member
Using a trusted person's phone number to receive the verification code is a straightforward workaround. Ask a friend or family member who is willing to help, and ensure their number isn't already linked to another Venmo account. During registration, enter their number when prompted. Venmo will send the verification code to their phone; they can then share it with you securely. Once you enter the code, you can finish creating your account. This method works reliably because it uses a real, U.S.-based mobile number that Venmo can verify.
What to expect after verification
After successfully verifying a phone number, you must meet additional requirements to fully use your Venmo account. You must link a U.S. bank account or debit card to send or receive money. Identity verification, which may require providing your full name, date of birth, and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), is often necessary for full account functionality and to comply with federal regulations. Without completing identity verification, you can still make payments funded by a linked payment method and receive payments, but limits on sending and transferring money may apply. You must also be physically located in the United States and at least 18 years old (or the age of majority in your state). The Venmo app must be updated to version 7.38.2 or newer. A Venmo handle is your unique public username that others can use to find and pay you, which is separate from your phone number and email. Once your account is set up, you might also need to see my Venmo card number for online purchases before your physical card arrives.
Risks and limitations of these workarounds
Using workarounds to make a Venmo without a phone number carries several risks. Account suspension is possible if Venmo detects that a virtual or temporary number was used, as this violates their terms of service. If your virtual number expires or the service is discontinued, you could lose access to your account because you cannot receive verification codes for password resets or security alerts. Additionally, some virtual phone number providers may not be compatible with Venmo, or Venmo's security measures may detect and block these numbers. Using a friend's number also creates dependency, if your relationship changes or they lose access to their phone, you may encounter difficulties. Always consider these risks before proceeding with any alternative method.
For the wider topic, see Venmo handle.
