It’s important to know Venmo’s limits to keep your payments running smoothly. Whether you’re splitting a bill or handling business payments, understanding the rules helps avoid problems.
This comprehensive guide provides up-to-date information on Venmo’s sending, receiving, withdrawal, and spending limits as of 2025
Venmo Sending Limits Summary
| Account Type | Weekly Sending Limit | Merchant Payment Limit | Instant Transfer Limit |
|---|---|---|---|
| Unverified Personal | $299.99 | $299.99 | N/A |
| Verified Personal | $60,000 | $7,000 sub-limit (within $60k) | $10,000 per transaction to debit card; $50,000 per transaction to bank account |
| Unverified Business | $2,499.99 (receiving) | $2,499.99 | $10,000 per transaction to debit card; $50,000 per transaction to bank account |
| Verified Business | $24,999.99 (receiving) | $24,999.99 | $10,000 per transaction to debit card; $50,000 per transaction to bank account |
Venmo Sending Limits
Daily Sending Limit
Venmo does not impose a specific daily sending limit. However, unverified accounts are restricted to a total of $299.99 per week, effectively limiting daily transactions. Verified accounts benefit from higher weekly limits, allowing for more substantial daily transactions within the weekly cap.
Weekly Sending Limit
Unverified personal accounts have a weekly sending limit of $299.99. Upon completing identity verification, this limit increases significantly. Verified accounts can send up to $60,000 per week, encompassing all transaction types, including person-to-person payments and authorized merchant transactions.
Person-to-Person Transfer Limit
For person-to-person transactions, unverified accounts are limited to $299.99 per week. Verified accounts can send up to $60,000 per week to other individuals, providing greater flexibility for personal transfers.
Merchant Payment Sub-Limit
Within the overall $60,000 weekly limit for verified accounts, there is a sub-limit of $7,000 specifically for authorized merchant payments. This means that while you can send up to $60,000 in total, only $7,000 of that can be directed towards merchant transactions.
Instant and Standard Bank Transfer Limits
For standard bank transfers, unverified accounts can transfer up to $999.99 per week. Verified accounts have a higher limit of up to $19,999.99 per week, with a maximum of $5,000 per individual transfer.
Instant transfers allow for quicker access to funds, typically within 30 minutes. The per-transaction limit for instant transfers to a debit card is $10,000, while transfers to a bank account can be up to $50,000. These transfers incur a fee of 1.75% per transaction, with a minimum fee of $0.25 and a maximum fee of $25.
Venmo Receiving Limits
Is There a Limit on Receiving Money?
Venmo does not limit the amount of money you can receive. Both verified and unverified accounts can receive unlimited funds from other users.
Large Deposit Monitoring & Reviews
While there are no receiving limits, Venmo monitors accounts for unusual activity. Large or unexpected deposits may trigger a review to ensure compliance with financial regulations and to prevent fraudulent activity.
Venmo Withdrawal & Transfer Limits
ATM Withdrawal Limits
Using the Venmo Debit Card, you can withdraw up to $1,000 per day from ATMs, over-the-counter withdrawals, and cash back with purchase transactions. This limit resets daily at 12:00 AM Central Standard Time (CST).
Debit Card Spending Limits
The Venmo Debit Card has specific spending limits: up to $2,999.99 per purchase, a daily spending cap of $3,000, and a weekly spending limit of $7,000. Additionally, there is a maximum of 30 transactions per day.
Bank Account Transfer Limits
For standard bank transfers, unverified accounts can transfer up to $999.99 per week. Verified accounts have a higher limit of up to $19,999.99 per week, with a maximum of $5,000 per individual transfer.
Instant transfers to a debit card are limited to $10,000 per transaction, while transfers to a bank account can be up to $50,000 per transaction. These instant transfers typically complete within 30 minutes and incur a fee of 1.75% per transaction, with a minimum fee of $0.25 and a maximum fee of $25.
Business Account Limits
If you’re wondering how Venmo limits affect borrowing, check out our guide on how to borrow money from Venmo for simple steps and key requirements.
Business Sending & Receiving Limits
Unverified business accounts can send and receive up to $2,499.99 per week, but after verification, the business account limit increases to $25,000 weekly. This higher threshold supports businesses with larger transaction needs.
Business Bank Transfer & Instant Transfer Limits
For standard bank transfers, unverified business accounts are limited to $999.99 per week. Verified business accounts can transfer up to $49,999.99 per week to their linked bank accounts. Instant transfers for business accounts have a per-transaction limit of $10,000 to a debit card and $50,000 to a bank account, providing flexibility for business cash flow needs.
Venmo Crypto Limits
Cryptocurrency Purchase Limits
Venmo allows verified personal account holders to purchase up to $20,000 worth of cryptocurrency per week. This limit enables users to invest in various cryptocurrencies, including Bitcoin, Ethereum, and others supported by Venmo.
Crypto Selling and Holding Limits
In addition to purchasing, verified users can sell and hold cryptocurrencies with an annual limit of $50,000. These limits ensure compliance with regulatory standards while allowing users to manage their crypto portfolios within Venmo.
How to Increase Your Venmo Limits
Complete Identity Verification
To access higher transaction limits, complete Venmo’s identity verification process. This involves providing your legal name, date of birth, address, and the last four digits of your Social Security Number. Once verified, your sending, receiving, and transfer limits will increase significantly, typically within 24 hours.
Upgrading to a Business Profile
If you operate a business and require higher transaction limits, consider upgrading to a Venmo Business Profile. This profile offers increased sending and receiving limits, as well as higher bank transfer caps, to accommodate business needs.
Resolving Account Reviews & Holds
Occasionally, Venmo may place holds or initiate reviews on your account due to unusual activity. To resolve these issues and restore full access to your account, promptly respond to any requests for additional information and cooperate with Venmo’s support team.
