I tried to give Venmo a chance, but I shouldn't have wasted my time. Even after you jump through all their "verification" hoops, they are arrogant and totally unhelpful. Don't let them near your money.
I'd guess I have a pretty normal credit profile. I have half a dozen credit cards, own my home, and have been at my current address for years. I actively use a PayPal account, and Venmo is owned by PayPal.
I signed up for a Venmo account to take advantage of a merchant's generous promo discount offer when paying by Venmo. I used the same address, phone number, and email that I use with PayPal and all my credit cards. I was able to sign up in the Venmo app okay. I got a code over SMS and verified my phone number.
But when I tried to add a credit card so that I could...you know...actually PAY, things went wrong. I put all the information in the app but got a red square saying just "Bad Request". I tried two more credit cards. Same thing.
Maybe it was my phone? I went on the Venmo.com website, logged in, and tried to add a credit card. I got the message "You can't use this credit card with Venmo, try another card," for all three cards.
I called Venmo's help desk and got an agent who refused to talk to me until I emailed her a picture of my driver's license, which I immediately did. Then she said that for security reasons I wouldn't be allowed to use a credit card with Venmo. I asked for why and she wouldn't tell me. I asked if I could prove that I was legit in order to correct the situation and she said no in the exact same words. It was obvious that their phone agents are basically only allowed to read from a script, and that was that.
Could you imagine dealing with these unhelpful jerks if something happened with a payment you tried to make? Or if you trusted them with your bank account and some money disappeared?
Stay far, far away from Venmo.
Bottom Line: No, I would not recommend this to a friend
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