Looking to transfer money from Venmo to PayPal? While both are popular digital payment platforms, the process requires understanding how these services connect. Many users wonder if they can link Venmo to PayPal directly or make instant transfers between accounts.
Sending Money from Venmo to PayPal
While Venmo is a subsidiary of PayPal, direct transfers between the two platforms were not possible until recently. As of 2025, users can now transfer funds directly using Visa+ Paynames, eliminating the need for an intermediary. Alternatively, the traditional method of transferring funds via a linked bank account remains available.
There are two main ways to move money from Venmo to PayPal:
- Visa+ Integration (Direct Method): Utilize Visa+ Paynames to send money directly between Venmo and PayPal accounts, allowing you to transfer funds without needing a bank account as an intermediary.
- Bank Account Transfer (Indirect Method): Transfer funds from Venmo to a linked bank account, then from the bank account to PayPal.
Visa+ Integration (Direct Method)
Visa+ is a service that enables users to transfer Venmo to PayPal without a bank account by using unique identifiers called Paynames.
Set Up Visa+ Paynames:
- In your Venmo app, navigate to the “Me” tab.
- Tap the Settings gear icon.
- Select “Send Money to PayPal.”
- Enter your PayPal Payname and the amount to send.
- Confirm the payment details and tap “Next.”
Transfer Funds:
- Once set up, you can send money directly from Venmo to PayPal using the Payname.
- Transfers are typically completed within 30 minutes.
Once the transfer is complete, you can easily spend your Venmo balance directly, even at restaurants that accept Venmo.
Bank Account Transfer (Indirect Method)
This traditional method involves using a linked bank account as an intermediary between Venmo and PayPal.
Link a Bank Account to Both Platforms:
- Ensure the same bank account is linked to both your Venmo and PayPal accounts.
Transfer Funds from Venmo to Bank:
- Initiate a transfer from your Venmo balance to the linked bank account.
- Choose between:
- Standard Transfer: Free; takes 1–3 business days.
- Instant Transfer: 1.75% fee (minimum $0.25, maximum $25); funds typically arrive within minutes.
Transfer Funds from Bank to PayPal:
- Log in to your PayPal account.
- Navigate to “Wallet” and select “Add money.”
- Choose the linked bank account and enter the amount to transfer.
- Funds typically appear in your PayPal account within 3–5 business days.
These two methods provide flexibility depending on your preferences and urgency. The bank account transfer is straightforward and doesn’t require additional setup, while the Visa+ integration offers a faster, direct transfer between the platforms.
Transfer Options and Fees
Different transfer methods between Venmo and PayPal affect how quickly the money moves and what fees may apply.
Standard bank transfers from Venmo to your linked bank account typically take 1–3 business days and are free. Instant transfers are faster, usually delivering funds within minutes, but they come with a 1.75% fee (minimum $0.25, maximum $25).
With Visa+ integration, you can send money directly between Venmo and PayPal in about 30 minutes, typically without any additional transfer fees.
If you’re transferring between different currencies, PayPal applies a conversion fee, usually about 3–4% above the base exchange rate.
Transfer Limits and Verification
Your transaction limits on Venmo and PayPal vary depending on your verification status and account history. As of 2025, verified Venmo users can send up to $60,000 per week, with a separate combined limit of $7,000 for purchases, including QR code transactions. For users who have not completed full verification, Venmo limits remain much lower, typically around $299.99 per week.
On PayPal, verified accounts can send up to $60,000 in a single transaction, although some transfers may be capped at $10,000 depending on account activity and PayPal’s internal review. Unverified PayPal accounts have a sending limit of up to $4,000 per transaction.
To access higher limits and full functionality on both platforms, you must complete identity verification. This process typically involves providing personal details such as name, address, date of birth, and, in some cases, submitting a government-issued ID for additional confirmation.
Bank Transfer Vs. Visa + Direct Transfer
| Feature | Bank Transfer (Standard) | Bank Transfer (Instant) | Visa+ Direct Transfer |
|---|---|---|---|
| Transfer Time | 4–8 business days total | 1–3 business days total | Within 30 minutes |
| Fees | Free | 1.75% (min $0.25, max $25) | Typically free |
| Availability | All users | All verified users | Users with Visa+ setup |
| Verification Required | Yes | Yes | Yes |
| Best For | No rush, larger amounts | Moderate urgency | Fast, direct transfers |
Troubleshooting Common Transfer Issues
Transfer Fails to Process
Problem: You initiated a transfer from Venmo to your bank account, but it fails to process.
Solution: Verify your bank account information is correct in Venmo. Ensure your Venmo account is properly verified and has no restrictions. Check that you haven’t exceeded transfer limits.
Bank Transfer Successful, But Money Not Appearing in PayPal
Problem: Money left Venmo and reached your bank account, but won’t transfer to PayPal.
Solution: Confirm you’re using the exact same bank account on both platforms. Ensure sufficient time has passed for processing (3-5 business days). Verify the bank account is properly verified on PayPal.
Transfer Taking Longer Than Expected
Problem: Standard timeframes have passed but money hasn’t arrived.
Solution: Remember that business days exclude weekends and holidays. Check both platforms’ status pages for system issues. Verify the transfer wasn’t flagged for security review.
