Nasz werdykt
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Zalety
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
- Backed by PayPal with wide acceptance
- Buy/sell crypto & PYUSD in-app
Wady
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
- Crypto buy/sell fees up to ~2.2%
Opłaty i kluczowe fakty
| Rejestracja | Free |
|---|---|
| Opłata miesięczna | Free |
| Wysyłanie / odbiór | Free from balance/bank/debit; instant 1.75% |
| Kurs wymiany | N/A (US-only) |
| Wypłaty | Standard free; instant 1.75% |
| Karta | Yes — Venmo Visa debit (and a Visa credit card) |
| Dostępność | United States only |
| Waluty | USD |
| Założono | 2009 |
| Siedziba | New York, USA |
| Regulacja | FinCEN (MSB), US state licences; PayPal-owned |
Gotowy, by wypróbować Venmo?
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Odwiedź VenmoCompare Venmo with other wallets
Venmo — frequently asked questions
Is Venmo safe to use?
Venmo is regulated by FinCEN (MSB), US state licences; PayPal-owned and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Venmo charge?
Account/monthly fee: Free. Sending or receiving: Free from balance/bank/debit; instant 1.75%. Currency conversion: N/A (US-only). Withdrawals: Standard free; instant 1.75%. Fees can change and may vary by country, so always confirm the latest terms on the official Venmo site.
Which countries can use Venmo?
Venmo is available in United States only. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Venmo offer a card?
Yes — Venmo Visa debit (and a Visa credit card). It supports USD.
What is Venmo best for?
Venmo is best for splitting bills with us friends. Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed.
Who is behind Venmo and where is it based?
Venmo launched in 2009 and is based in New York, USA, regulated by FinCEN (MSB), US state licences; PayPal-owned.
Comments 9
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Love the social feed, it is funny to see what emojis my friends use when paying me back. The Venmo debit card has decent cash back offers too.
Love the social feed, it is funny to see what emojis my friends use when paying me back. The Venmo debit card has decent cash back offers too.
Venmo is the easiest way to split restaurant bills and rent with my roommates in the US. Everyone has it, and transfers are instant.
Standard app for splitting costs in America. The interface is simple. Just wish there was international transfer support.
Venmo is the easiest way to split restaurant bills and rent with my roommates in the US. Everyone has it, and transfers are instant.
Love the social feed, it is funny to see what emojis my friends use when paying me back. The Venmo debit card has decent cash back offers too.
Love the social feed, it is funny to see what emojis my friends use when paying me back. The Venmo debit card has decent cash back offers too.
Venmo is the easiest way to split restaurant bills and rent with my roommates in the US. Everyone has it, and transfers are instant.
Venmo is the easiest way to split restaurant bills and rent with my roommates in the US. Everyone has it, and transfers are instant.