Want to access cash from your Venmo balance? Learn Venmo’s ATM withdrawal limits, applicable fees, and how to get cash at cardless ATMs in minutes.
What Is a Venmo ATM Withdrawal?
Venmo ATM withdrawals let you convert your Venmo balance into physical cash without needing a linked debit card. You generate a one‑time code in the Venmo app and enter it at a participating ATM.
Key advantages:
- No debit card required
- Instant cash access from your Venmo balance
- Compatible with major networks like Visa PLUS and MoneyPass
How to Generate Your Venmo ATM Code
- Open the Venmo app and tap the ☰ menu (upper left).
- Select “Transfer to Bank” then “Get Cash”.
- Enter the withdrawal amount and tap “Get ATM Code”.
- Note the 6‑digit code and its expiration time (usually 25 minutes).
🔗 For more cardless ATM guides, visit our ATM & Mobile Banking hub.
Venmo Withdrawal Limits
- Daily limit: $400
- Per‑transaction limit: $200
- Monthly limit: $1,000
Limits reset every 24 hours. Check your personal limits in‑app under “Get ATM Code.”
Fees & Network Charges
- Venmo fee: $2.50 per ATM withdrawal
- ATM owner fee: Varies by machine (typically $2 – $3)
- Tip: Use surcharge‑free networks (MoneyPass, Allpoint) to avoid extra charges
Supported ATM Networks
| Network | Surcharge Status | Coverage |
|---|---|---|
| Visa PLUS | Surcharge applies | 2 million+ ATMs worldwide |
| MoneyPass | Surcharge‑free | 33,000+ ATMs across the U.S. |
| Allpoint | Surcharge‑free | 55,000+ ATMs across the U.S. |
Tips for a Smooth Venmo Withdrawal
- Stay within limits: Generate codes only for amounts ≤ your daily/per‑transaction cap.
- Use free networks: Filter for MoneyPass or Allpoint in your ATM finder to save on fees.
- Generate code near ATM: Prevent code expiration by generating only when you arrive.
- Confirm balance: Make sure your Venmo balance covers the withdrawal + fees.
- Keep app updated: The latest version ensures code generation works correctly.
Pros & Cons of Venmo ATM Withdrawals
Pros:
- Instant access to Venmo funds
- No physical card needed
- Supports surcharge‑free networks
Cons:
- $2.50 Venmo fee per withdrawal
- Limited daily and monthly caps
- Code expiration can be inconvenient