Venmo Age Requirement - Incompreneur

Venmo Age Requirement, Venmo Teen Account, and Alternatives

Are you looking to get Venmo but need to know if you meet the Venmo age requirements? Venmo has emerged as one of the most popular mobile payment apps in recent years.

To ensure that only legally-aged individuals are using Venmo, Venmo requires users to be 18 years or older. Venmo understands the importance of keeping users safe and ensuring their experience with Venmo is both easy to use and secure.

The Venmo Age Requirement And Why It Matters?

The Venmo Age Requirement - Incompreneur

The Venmo age requirement must be considered as we use digital payments for our day-to-day transactions, whether paying friends or ordering food with Venmo.

To use Venmo, users must be at least 18 years old. Since the Federal Reserve regulates Venmo, it has some restrictions, including age requirements. In addition, Venmo must comply with the Children’s Online Privacy Protection Act (COPPA), which protects children’s privacy online.

There are many reasons why Venmo has an age requirement:

  1. Venmo is a financial service, and as such, it is subject to regulations by the Federal Reserve.
  2. They must comply with COPPA, which protects children’s privacy online.
  3. Using a digital payment service requires users to be responsible for their finances. Venmo wants to ensure that users are capable of handling that responsibility.
  4. The Venmo age limit is vital because it helps protect users from potential financial risks.
  5. By using the Venmo app, users can quickly transfer money to friends and family without carrying cash or using the traditional banking system. 
  6. Despite this, Venmo comes with risks like identity theft and fraud. If users are not of legal age, they may be more vulnerable to these risks.
  7. Further, Venmo has a privacy policy that states that users must be 18 to use the service. The reason for this is that Venmo stores personal information from its users. Therefore, Venmo requires an age requirement to ensure its users’ legal responsibility.

Apart from the above, the Venmo age requirement is integral to the Venmo experience. Also, knowing what it is before signing up for an account is essential. 

Knowing the Venmo age requirement can help protect users from potential financial risks and keep them safe while using Venmo. 

Moreover, knowing Venmo’s privacy policy before using the service ensures that you’re legally responsible for your actions.

By understanding Venmo’s age requirement and privacy policy, users can ensure they are using Venmo responsibly and safely.

So if you want to use Venmo for your digital payments, ensure you meet Venmo’s age requirement first.

Do You Have To Be 18 To Use Venmo?

The answer to this question is yes you have to be if you want to open an account with your debit or credit card on Venmo. Yet, Venmo requires users to be at least 18 years old to use the service. It is, therefore, it does not allow minors under 18 to use Venmo, even with their parent’s permission.

Can A 16-Year-Old Have Venmo?

Venmo is an excellent payment app for sending and receiving money, but it does have an age requirement. To comply with Venmo’s official policy, users must be 18 or older and have a valid US social security number.

Venmo’s parent company, PayPal, also enforces this requirement.

Understanding The Venmo Age Requirement

It is critical to understand Venmo’s age requirement for safe and responsible usage. With Venmo, you can quickly and securely manage your finances.

According to Venmo’s official policy, customers must comply with these requirements to secure their accounts. 

With Venmo, you can quickly and safely transfer money to friends and family. To do so, you must meet Venmo’s age requirement of 18 years or older.

Entering Venmo Payment Information 

  • Adding payment information to Venmo is quick and easy. To do so, go to the Venmo home page and select ‘Add Payment Method’
  • You will be prompted to enter your bank account or debit/credit card information. 
  • Venmo accepts Visa, Mastercard, American Express, and Discover. If you are using a bank account, Venmo requires your routing number and account number.
  • Once the information is submitted, Venmo will verify the information, and your account will be ready.
  • When Venmo is used by users under 18 years of age, Venmo requires a parent or legal guardian to add their Venmo account as the ‘issuer’ of the payment information. Venmo will only process adult payments, preventing underage users from fraud.
  • Whether you are 18 or over, Venmo is an easy and secure way to send and receive money online. Signing up is free, and you can start transferring money immediately!

So if you need to make or receive payments, Venmo is the way to go!

Understanding Venmo’s Terms And Conditions

Venmo wants to ensure its users are old enough to understand its terms and conditions of Venmo as well as their responsibility for any transactions they make.

It’s important to note that Venmo is not the only service with an age requirement; 

  • Most Digital Wallets
  • Banks and other financial institutions also impose age limits on their services. 

When dealing with money, some specific laws and regulations must be followed. And these institutions must ensure they are always upheld.

If you are still 18 years old but still want a Venmo account, some options are still available. 

First, you can always ask a parent or guardian over 18 to sign up for Venmo and add you as a sub-account.

This way, you can still use Venmo but with the added benefit of having an adult in charge of any transactions.

Ensure you meet Venmo’s guidelines and get the most out of Venmo by understanding its terms and conditions.

Why Minors Can’t Have A Venmo Account?

Why Minors Can't Have a Venmo Account - Incompreneur

Using Venmo’s mobile app or website, people can send money to each other using peer-to-peer payments. 

While it is helpful for several reasons, it does have some key limitations: 

You must be 18 years old to use Venmo, with no exceptions. The Venmo age limit protects users from fraud, identity theft, and other risks associated with online payments.

Financial Fraud

When minors use Venmo, it can also be a source of financial confusion. Having Venmo’s age restriction would allow parents more control over their children’s finances.

In addition, Venmo may be more vulnerable to fraudsters targeting children. Parents shouldn’t worry about Venmo’s age limit preventing their kids from using the service.

Even so, tracking their activities closely and teaching them how to manage their money safely online is still necessary. Consider setting up a parental control Venmo account if available.


One of the most severe risks when using Venmo is falling victim to scams. Venmo users have been targeted by scammers, especially those who don’t know the age limit. In addition, they may try to steal money from you by posing as Venmo users. 

Moreover, Venmo may also lead teens to make poor financial decisions. Using Venmo without proper guidance could quickly lead teens to overspend. 

In this regard, teens and parents should take the Venmo age requirement seriously. 

 If your teen is taking part in Venmo, educate them on how to use Venmo safely and sensibly. So, you can help protect your teen from possible risks and make sure they’re making wise financial decisions. 

Parent-Child Venmo Account Link

Whether you want to help your children manage their finances or keep track of their spending, Venmo is the perfect tool. It allows parents to link accounts with their child’s account to keep them up-to-date on all transactions.

  • Venmo has an 18-year-old age limit, which makes tracking their child’s spending difficult for parents.
  • But, there is a workaround that can be used if you’re over the age of 18.
  • You can monitor their transactions by linking your Venmo account to your child’s.

To link a Venmo account to your child’s:

  • You’ll first need to make a Venmo account.
  • You can do this by entering their date of birth and other personal information.
  • Once the account is verified, you can link your Venmo account with theirs.
  • As a result, it will allow you to monitor their transactions in real-time and approve or decline any payments they make.
  • Another benefit is that you can set spending limits on their account to ensure they don’t overspend.
  • Parents can use this feature to teach their children responsible spending habits while allowing them to use Venmo.

Safety Tips For Parents

Parents must understand safety tips to ensure their kids use Venmo safely and securely.

  • According to Venmo’s official help, users must be 18 or older to use Venmo.
  • Therefore, it is an essential rule for parents of teens to keep in mind if their child wants to start using Venmo.
  • If a teen under 18 attempts to sign up for Venmo, their account will be canceled.
  • Another critical safety tip for Venmo users is to keep personal info private.
  • Venmo lets users quickly connect their Facebook and contact lists to add friends. But it’s best to keep sensitive info like home address or phone number private from Venmo profiles.
  • Then, it’s vital to remind teens that Venmo is a public space, and they should be mindful of what they share with others.
  • Finally, Venmo recommends that all users use two-factor authentication on their accounts. 2F-Authentication adds an extra layer of security by requiring users to enter their Venmo password and a code sent to their phone or email address.

As a result, it prevents anyone from using Venmo accounts without the user’s consent, so it’s a reasonable safety precaution.

As Venmo becomes increasingly popular with young children, parents need to be aware of Venmo age requirements and understand how to keep their kids safe while using Venmo.

So, Conversing with teens about Venmo safety can go a long way in ensuring they are using Venmo responsibly.

How To Use Venmo If You Are Under 18 – Best Venmo Alternatives

Green Light

Greenlight - Incompreneur

You can use Greenlight Card instead of Venmo if you’re under 18.

Using the Greenlight card, parents can control their children’s spending with features like budgeting, tracking, and merchant approval.

With the card, there are no monthly fees, no overdraft fees, and no ATM fees. Also, kids can use their Greenlight cards for online shopping, in-store purchases, money transfers, and more while parents maintain oversight.

Accounts are only open to 13-year-olds$4.99 monthly fee
Child’s Accounts are linked to parentsExpensive then others
Investing and Buying stocks Limited support hours
 FDIC-insured up to $250,000

Cash App

Cashapp - Incompreneur

CashApp offers services similar to Venmo but doesn’t have an age restriction. You can easily set up an account with any of these and send money to your friends and family. CashApp also allows you to buy stocks without a minimum deposit.

Free to use and fast transfersLimited at certain banks and stores
There is no minimum age requirementNot available in all areas
Investing and Buying stocks


Acorns - Incompreneur

Acorns is an excellent Venmo alternative for those who are under 18. 

It’s an online financial platform that allows users to set up auto-investments and track their portfolios. And also save money with debit cards, prepaid cards, and bank transfers. 

Acorns also offer “round-ups” that increase purchases and invest the difference.

Children can invest and save moneyLimited Investment Options
No minimum age requirementOnly available in some countries


Zelle - Incompreneur

Zelle is a Venmo alternative that can be used by all age groups, allowing customers to send money directly from their bank accounts.

It’s fast and secure with no extra fees. There’s also the option of using Zelle through significant banks like Bank of America, Capital One, Chase, and Wells Fargo.

Free to use and fast transfersNo minimal age requirement
No least age requirementOnly available in some countries.
Available at more banks

Apple Cash

Apple Cash - Incompreneur

Apple Cash is a service available to users of the Apple Wallet app in the US. It allows customers to make fast and secure payments with their iPhones. The great thing about Apple Cash is that it has no age requirement — anyone with an iPhone can use it.

Easy to useApple Wallet app users only (US)
No minimum age requirement For iPhones and iPads
Fast and secure paymentsSome Merchants do not accept Apple Cash

Google Pay

Googlepay - Incompreneur

Another Venmo alternative is Google Pay, a digital wallet and online payment system developed by Google. It allows users to send money to friends and family with Android phones or computers. 

Like Apple Cash, there’s no age requirement for using Google Pay, so it’s perfect for Venmo users under 18.

Easy to useAndroid users only
Anyone can use Google PayNot all merchants accept Google Pay
 Support Debit cards and bank transfers
Secure and fast payments

Final Thoughts on Venmo Teen Account

Venmo’s age requirement of 18+ is necessary to ensure its users’ safety and security. However, for those under this age, several options, such as Greenlight, Zelle, Cash App, and Acorns, can be used instead.

Venmo users under 18 need to read through the terms and conditions of these services before using them.

Moreover, Venmo users of all ages should be aware of venmo’s fees and limits regarding international payments. If you understand Venmo’s age requirement and other policies, you can use it safely and securely.


1. How Old Do You Have To Be To Use Venmo?

The age requirement for venmo account is 18 years old. All users must be at least 18 to create a Venmo account and use Venmo services. In addition, those under 18 must have their parents or legal guardians set up an account.

2. What Do I Need To Create A Venmo Account?

To create a Venmo account, you must provide basic information such as your name, email address, phone number, and date of birth. 
You’ll also be required to verify your identity by providing additional information, such as your Social Security Number or Driver’s License details. Venmo’s Privacy Policy and user agreement must also be agreed to.

3. What Happens If I’m Under The Venmo Age Restrictions?

If you’re under 18, your parents or legal guardians must create an account for you. They will manage your Venmo account, including setting limits on how much money you can spend and accepting Venmo payments.

4. Does It Require Parental Consent If I’m Under The Age Requirement For a Venmo Account?

Yes, venmo requires parental or legal guardian consent for users under 18. Your parents or guardians must also provide their contact information to create your Venmo account.

5. What If I’m 17 And A Half Years Old?

In reality, Venmo requires all users to be at least 18. So it would help if you waited until 18 before creating or using Venmo services. In the meantime, your parents or legal guardians can set up an account for you and manage it on your behalf.

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