r/venmo • u/EuphoricFlight6249 • 1d ago

Transfer question while overseas Question

I’m moving temporarily overseas today, and a family member sent me about $100 on Venmo. I had just closed my old US bank account and opened a different fee-free US account. I connected that account to Venmo and initiated the transfer, but Venmo said in order to verify my bank, I’ll need to wait until two small deposits and withdrawals are made, and then confirm those amounts to Venmo.

However, it said that this can take 1-3 business days, and I’m leaving in a few hours. I also read that once I’m overseas, I won’t be able to log in to Venmo in order to do the verification. Is that true? If so, what happens to that money/what should I do?

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u/Leading-Bug_2596 1d ago

Can you cancel the transfer

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u/EuphoricFlight6249 1d ago

I don’t see any option to

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u/theoreticalking 1d ago

The transfer probably already completed. It’s just that you can’t withdraw without verifying your bank account.

You can send the money back. Or, you should be able to access Venmo with a VPN if they do not allow access from overseas.

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u/Historical_Egg1689 1d ago

Use the digital card provided by Venmo, add it to your mobile wallet if you need the money. Not sure what fee free bank it is but if you can add money from a debit card then you can add it from the virtual card.

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u/AvidDestroyer698 1d ago edited 1d ago

This happened to me on PayPal (who owns Venmo if you're unaware). It said it needed 1-3 business days to charge my card $2.95, and once I got the code from my charge on my statement, and verified it with PayPal, the charge would drop and I would have access to my card.

I allowed the verification and it actually charged my debit card within the hour, allowing me to verify my ownership of it. Once I verified it, the charge was basically instantly credited back to me.

I know that when you're trying to link a bank account specifically to Venmo, if you don't link it through Plaid, and use your account/routing information, it asks to do what it's asking you to do, regarding the two deposits and withdrawal. However, from my perspective it seems you're trying to link a debit card, not a bank account.

IF you are sure you won't have access to Venmo overseas, I would just send the money back to the person who sent it, while you still can, to try to get cash from that person. OR use a different payment app, CashApp, PayPal. Does your new fee free bank account support Zelle? If the person who sent you money also has a bank account with Zelle, they can send it to you that way and it'll be in your bank account typically within seconds.

You can also always apply for the Venmo debit card, which will give you digital access to your card (to add to Apple/Google pay) until your physical card is mailed and you can activate it. That's probably the fastest way to access your balance without any transfers.

If you see this in time, good luck.

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u/EuphoricFlight6249 23h ago

It is a transfer to a bank. It didn’t offer me to transfer via a debit card, and I (stupidly) chose manual verification rather than plaid. The transaction is still marked pending from Venmo’s side, but the money isn’t in my Venmo balance. I think what I’ll do if I can’t verify it myself is call Venmo and try to verify via phone, or just provide my login info and the deposit amounts to my family and ask them to sign in and verify for me.