Venmo Fee Calculator
Free Venmo fee calculator for instant transfers (1.75%), credit card sends (3%), and business transactions (1.9% + $0.10). Compare Venmo vs Zelle vs Cash App vs PayPal.
How It Works
Fee = max($0.25, min($25, Amount × 1.75%))Venmo charges 1.75% for instant bank transfers, with a minimum fee of $0.25 and maximum of $25. Standard transfers are free. Credit card sends cost 3% with no cap. Business profiles pay 1.9% + $0.10 per transaction.
Quick Tips
Free Option
Standard bank transfers are always FREE — just wait 1-3 business days.
Credit Card Fee
Sending with a credit card costs 3% with no maximum. Use bank/debit for free.
Business Fee
Venmo business profiles pay 1.9% + $0.10 per transaction. Personal accounts are free for friends/family.
Weekly Limits
Verified accounts can transfer up to $60,000/week. Instant transfers capped at $20,000/week.
Step-by-Step Instructions
- 1Choose your calculation mode: Instant Transfer, Send Money, Business, Compare, or Savings.
- 2Enter the amount and select your payment method or use case.
- 3See the exact fee, net amount received, and comparison with free alternatives.
- 4Use the comparison mode to see which payment app has the lowest fees for your situation.
Frequently Asked Questions
How much does Venmo charge for instant transfer?▼
Venmo charges 1.75% of the transfer amount for instant bank transfers, with a minimum fee of $0.25 and a maximum of $25. Standard transfers are free.
Does Venmo charge a fee to send money?▼
Sending money with Venmo is free when using your Venmo balance, bank account, or debit card. Credit card and prepaid card sends cost 3% with no cap.
What are Venmo business fees?▼
Venmo business profiles are charged 1.9% + $0.10 per transaction. Personal accounts cannot be used for business transactions.
Is Venmo or Zelle cheaper?▼
Zelle is completely free for all transfers (even instant ones). Venmo charges 1.75% for instant transfers and 3% for credit card sends. However, Venmo offers more features like social payments and business profiles.
How can I avoid Venmo fees?▼
Use standard transfers instead of instant (free but takes 1-3 days), use bank accounts or debit cards instead of credit cards (free vs 3%), and only use business profiles for actual business transactions.
What is the Venmo instant transfer limit?▼
The weekly instant transfer limit is $20,000. Verified accounts can send up to $60,000 per week total, and single transactions are capped at $4,999.99.