Venmo Payment Not Showing up in Bank Account (5 Reasons Why)

Lindsay Hayes

If you're dealing with your Venmo payment not showing up in your bank account immediately, there are several reasons why this might be happening. You may have chosen the slower deposit method instead of an instant deposit. The issue might be with either Venmo or your bank servers, or the payment might have been wrongly flagged as fraudulent.

Venmo provides an extremely convenient way to transfer money between Venmo users, and that money can be sent to your bank account. However, some people notice that the Venmo payment doesn't show up in their bank balance. This happened to me the first time that I started using Venmo, which led me to find out why it might be happening.

If you're dealing with your Venmo payment not showing up in bank account, this is the basic guide you need. Let's get right into what you need to know to make sure your Venmo payments get to your bank account immediately.


Why Isn't My Venmo Money Showing Up in My Bank Account?

When you transfer money from your Venmo account to your bank account, the expectation most of the time is that you'll see it show up within 30 minutes. However, sometimes this doesn't happen the way it should.

It's completely understandable that you should be concerned with your Venmo payment not showing in your bank account. There are several reasons why this might be happening, and the good thing is that it's easy to handle.

Here are the most common reasons why your Venmo payment is not showing in your bank account right away.

Mobile Pay Digital Wallet Concept

1. You Sent a Standard Deposit Instead of Instant

The Venmo app gives its users two options when it comes to initiating a bank transfer.

They can use the standard deposit method, which is free but takes a few days to finally end up in your bank account.

Then, they have the option of an instant deposit, which usually shows up immediately. The only downside to an instant transfer is that there's a 1.5% fee on the amount that you're sending.

The reason why your Venmo payment may not show up in bank account right away might be because you used the standard deposit option instead of an instant deposit.

2. Venmo Servers Are Experiencing Downtime

It goes without saying, but the Venmo app relies heavily on its servers to do pretty much everything.

If the Venmo app experiences server issues, you won't be able to do a lot of things, one of which is transferring money.

However, if you manage to initiate your transfer before the servers experience issues, it may delay the transaction from being completed. That can result in delays in getting the money to your bank account.

In cases like this, the only option is to wait for the outage to be resolved by the Venmo team. However, you can confirm whether the issue is with Venmo's servers if you contact Venmo support or check their page on Down Detector.

3. Your Bank Servers Are Down

For your bank to be able to receive your Venmo payment and send it to your bank account, their networking infrastructure needs to be up and running.

Similar to the case with Venmo servers, if your bank is facing issues with their servers, it can result in your Venmo payment not showing up in bank account, even if it was an instant deposit.

Contacting the support team for your linked bank account can help you confirm whether they are truly facing an outage. In this case, too, you can only wait until they resolve things.

4. Your Venmo Payment Was Flagged

On the internet, or pretty much anywhere that money is involved, there will be fraudsters, and the Venmo app is no different. This is why there is a Venmo security system in place.

While there are probably a few humans behind this system, it relies mostly on bots to detect any Venmo payment which seems to be suspicious or exhibits unusual activity.

Unfortunately, these bots are not perfect and may potentially flag a legitimate Venmo payment as being fraudulent. This will usually put a hold on transferred money, and you'll notice that it never ends up in your bank account.

In cases where you have transferred money from your Venmo account and are yet to receive it in your bank account, it's a good idea to contact Venmo support to ensure that your payment has not been flagged.

5. You Are Yet to Make the Transfer

If you've just opened your Venmo account and are new to the application, you might not realize that the money in your Venmo account does not automatically find its way into your bank account.

You will need to initiate a transfer from your Venmo account into your bank account. Otherwise, the money will continue to sit in your Venmo wallet.

If you're unsure of the procedure for transferring money from your Venmo balance to your bank account, the next section will discuss this in detail.

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How to Transfer Money Out of Venmo Account?

If you're not entirely sure how to transfer funds out of your Venmo account, or you don't know how to choose an instant deposit instead of the standard transfer method, this section will teach you exactly how to do that.

Add Your Preferred Bank Account

First, you'll need to make sure that you have the details of your bank accounts linked with your Venmo account. Otherwise, you won't be able to withdraw funds from your Venmo balance.

To link a bank account, follow the steps below:

  1. Open the Venmo app on your device.
  2. Press your profile picture or initials to enter the "Me" tab.
  3. Here, tap on the "Settings" icon in the upper-right corner, which looks like a gear.
  4. Select "Payment Methods".
  5. Now, press "Add a bank or card".
  6. Tap "Bank".
  7. You'll see two options here for verification. One is Manual Verification, which might be necessary if you have a bank account with a smaller institution. However, you can use the Instant Verification option for larger banks.
  8. The Instant option will simply require logging into your bank's platform and using the option there to link to Venmo. The Manual option will require entering your routing and bank account number (make sure not to add the check number at the end).

Just like that, you've been able to add your bank account to your active Venmo account. Make sure to double-check the information you entered to avoid incorrect bank details.

Keep in mind that manual verification will take at least a full working day to complete.

Transfer Money to Your Bank Account

Now that your bank account is set up, it's time to send money that you received from other Venmo users to your bank account.

To withdraw from your Venmo balance, follow the steps below:

  1. Launch the Venmo application on your smartphone.
  2. Open the "Me" tab by tapping on your profile photo or your initials.
  3. Under your profile icon, press the "Add or Transfer" button.
  4. Type in the amount you want to transfer from your Venmo account to your bank account.
  5. You will see two options on the next screen. A standard deposit will take longer but costs nothing. Instant deposits will make sure that you see your money right away, but there's a 1.5% fee attached to them, with a minimum of $0.25 and a maximum of $15.
  6. Select the bank account you want the money to go to.
  7. Confirm the details of the transaction and then tap the "Transfer" button.

That's it! If you chose the Instant Deposits option, your money should show up in your account in no time.

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How Long Does It Take for a Venmo Payment to Show up in My Bank Account?

When you're facing a Venmo payment not showing up in your bank account, it is important to know the speed of Venmo transactions. How fast it takes depends on the payment method you choose.

A standard transfer takes between 1 to 3 business days to reach your bank account after you initiate it. While that doesn't sound great, it's a free transfer, so it is great if you don't need the money right away.

If you're pressed for cash, you should go for the Instant option, which will usually show up in your account right away. However, keep in mind that it may take as long as 30 minutes.

Successful Mobile Money Transfer Notification

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Final Words

When you're dealing with a Venmo payment not showing up in bank account, it seems like a good idea to contact Venmo customer support right away. However, if you know what can cause a payment not to show up, you'll know what to do to fix it yourself.

Make sure that it's not a Venmo server issue or a bank server issue, as there's little you can do about them. However, if Venmo server issues aren't the cause, verify that you chose an Instant transfer or that your transaction was not flagged.

Did this article show you why your payment might not have reached your account from Venmo? If so, take a look at our related articles to learn more.

Lindsay Hayes

Hi, I’m Lindsay, a techie from Kansas City. That’s right; I’m a born and bred Midwesterner. I learned to take electronics apart at my dad’s GameStop way back when, and I haven’t stopped since. I spend most of my time checking out new gadgets.
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