You cannot transfer money directly between Venmo and Cash App
Venmo and Cash App are separate payment networks that do not connect to each other. You cannot send money from your Venmo account straight into Cash App, and Cash App cannot pull funds from Venmo. If you need money in one app but it sits in the other, you have to move it through your bank account as an intermediate step.
This takes an extra day or two and may involve small fees depending on which transfer method you choose. The process is straightforward once you understand the route: cash out from one app to your bank, then deposit from your bank into the other app.
Key Takeaways
- Venmo and Cash App do not connect directly; money must pass through your bank account to move between them.
- Transferring from Venmo to your bank takes one to three business days and costs nothing if you use the standard transfer option.
- Depositing from your bank into Cash App takes one to two business days and is free.
- Instant transfer options exist in both apps but charge a fee (typically 1 to 2 percent) if you want the money faster.
- You need your bank account routing number and account number to complete transfers in both directions.
How to cash out from Venmo to your bank account
Open Venmo and tap the menu icon (three horizontal lines) at the bottom right. Select "Transfer Money," then choose "Transfer to Bank." Venmo will show you any bank accounts you have already linked. If this is your first transfer, you will need to add your bank account by entering your routing number and account number.
Enter the amount you want to transfer. Venmo's standard transfer takes one to three business days and has no fee. If you need the money faster, Venmo offers an instant transfer option for a fee of 1 to 2 percent of the amount (the exact percentage depends on your bank). Choose your transfer speed, review the details, and confirm.
Venmo will show you a confirmation screen with the transfer details and an estimated arrival date. The money will land in your bank account on that date or earlier. Once it arrives, you can move it into Cash App.
How to deposit from your bank into Cash App
Open Cash App and tap the bank icon (looks like a dollar sign in a square) at the bottom of the screen. Select "Add Cash." Enter the amount you want to deposit and confirm your bank account information if prompted. Cash App may ask you to verify your identity with your full name, date of birth, and the last four digits of your Social Security number.
Review the deposit details and tap "Confirm." Cash App will initiate an ACH transfer from your bank account. This typically takes one to two business days. You will see the pending deposit in your Cash App balance, and it will turn green once the money has fully arrived.
If you have already linked your bank account to Cash App in the past, the process is faster — you just select the account and the amount, then confirm.
What fees and timing to expect
Standard transfers from Venmo to your bank are free and take one to three business days. Instant transfers from Venmo cost 1 to 2 percent of the amount transferred. Deposits from your bank into Cash App are always free and take one to two business days.
If you use instant transfer from Venmo and then immediately deposit into Cash App, the total time is still one to two business days (the Cash App deposit step), but you will pay the Venmo instant fee. If you use standard Venmo transfer and standard Cash App deposit, the total time is two to five business days and costs nothing.
Weekends and bank holidays can extend these timelines. A transfer initiated on a Friday evening may not arrive until Tuesday or Wednesday.
Linking your bank account to both apps
Both Venmo and Cash App require you to link a bank account before you can transfer money. You will need your routing number (a nine-digit code that identifies your bank) and your account number (typically 10 to 12 digits). You can find both on a check, or by logging into your bank's website or calling customer service.
When you add a bank account to either app for the first time, the app may make two small test deposits (usually under $1 each) to verify the account is real and that you own it. You will need to confirm the amounts of these deposits in the app to complete verification. This process takes one to two business days.
Once your bank account is verified in both apps, you can transfer money back and forth as often as you need. You do not have to re-verify the account each time.
Why you might want to move money between apps
You may receive money in Venmo from friends but need it in Cash App because that is where you have your debit card linked. Or you might use Cash App for work payments and Venmo for personal transfers, and need to consolidate funds. Some people keep money in the app that offers better security features or lower fees for their specific use case.
The transfer process is the same regardless of your reason — the money always goes through your bank account as the middleman. There is no way to bypass this step or move money directly between the two apps.
What to do if a transfer gets stuck or delayed
If your transfer does not arrive within the stated timeframe, first check that you entered the correct amount and bank account details. Log into your bank account and look for a pending transaction from Venmo or Cash App. If you see it pending, the transfer is on its way and should arrive within one business day.
If you do not see a pending transaction in your bank account after 24 hours, contact Venmo or Cash App support through the app. Tap the menu, find "Help" or "Support," and describe the transfer that did not go through. Include the date, amount, and any confirmation number the app provided. Support can investigate whether the transfer failed and help you resubmit it.
If your bank account is new or recently changed, your bank may flag the transfer as suspicious and hold it. Contact your bank directly to ask whether they are holding any pending transfers from Venmo or Cash App. You may need to approve the transfer or add the app as a trusted recipient.
Frequently Asked Questions
Can I send money directly from Venmo to someone's Cash App account?
No. Venmo and Cash App do not share user networks, so you cannot send money to a Cash App username or phone number through Venmo. You would need to send the money to the person through Venmo, and they would have to transfer it to their own Cash App account themselves.
Is there a limit to how much I can transfer?
Both Venmo and Cash App set weekly and monthly transfer limits that vary based on your account age and verification status. Venmo typically allows $20,000 per week for verified accounts. Cash App limits deposits to $1,000 per day for most users. Check your app's settings or contact support to see your specific limits.
Do I pay taxes on transfers between my own accounts?
No. Moving your own money between accounts is not taxable income. Taxes only apply if you receive money as payment for goods or services. Transfers between your own Venmo and Cash App accounts are just moving funds you already own.
What happens if I transfer money but then close my bank account?
If you close your bank account after initiating a transfer but before it arrives, the transfer will likely fail and bounce back to the app. The money will return to your Venmo or Cash App balance. You can then transfer it again using a different bank account.
Can I transfer money from Cash App to Venmo the same way?
Yes, the process works in reverse. Cash out from Cash App to your bank account, then deposit from your bank into Venmo. The timing and fees are the same as going the other direction.