Where Can I Load My Venmo Card For Free?

By Ekxay
8 Min Read
Where Can I Load My Venmo Card For Free

Are you tired of paying extra fees to load your Venmo card? Well, you’re in luck because quite a few options would allow you to load your card without any fees. This guide will highlight some top places to load your Venmo card for free, so you never have to worry about additional charges.

What is a Venmo card?

Venmo, owned by PayPal, is a popular mobile payment service allowing you to transfer payments from friends and family. A Venmo card is similar to a debit card, but instead of withdrawing from your bank account, it uses your Venmo balance. With this card, you can easily purchase wherever Mastercard is accepted without transferring funds to your bank account first.

Where to Reload Venmo Card

If you’re one of the many people who use Venmo as their go-to payment app, you may wonder where to load your Venmo card for free. Fortunately, plenty of options are available:

Cash Reload Networks

Cash reloads have become one of the most popular ways to load your Venmo card for free. Retailers such as Walmart, 7-Eleven, CVS, and Walgreens all offer Venmo cash reload services. Venmo does not charge any cash fees for reloads but keep in mind that retailers may charge a small fee for their services. It’s always best to check beforehand to avoid any unexpected charges.

The process of reloading your Venmo card with cash is relatively simple. All you need to do is locate a participating retailer, bring your card, and the desired amount you wish to reload. The cashier will scan your card and place the cash in your Venmo account. The funds will typically appear in your account within minutes.

Venmo Direct Deposit

With Venmo direct deposit, you can receive your paycheck, or government benefits directly into your Venmo account. Not only is this a convenient option for those who don’t have a bank account, but it’s also completely free. Once the funds are deposited, you can instantly load your Venmo card and make purchases.

To set up direct deposits, log in to your Venmo account and navigate to “Direct Deposit” in the “Manage” tab. Venmo provides you with your unique account and routing number, and you can use this information to set up your direct deposit with your employer or the government. Once your direct deposit is set up, your funds will automatically appear in your Venmo account.

Friend Transfer

Venmo is well known for its peer-to-peer payment services, making it easy to transfer funds from one Venmo user to another. This service can also be used to load your Venmo card for free.

To use this service, you can contact friends or family with Venmo accounts and ask them to send you the desired amount. The money is available on your Venmo account as soon as it is received, and this is often one of the quickest ways to load your Venmo card.

Venmo Balance

If you already have funds in your Venmo account, you can use them to load your card for free. This could be from previous transactions or if someone has sent you money through Venmo. You can easily transfer these funds to your Venmo card and start spending anywhere Mastercard is accepted.

Venmo Card Cash Back

This isn’t necessarily a way to load your Venmo card for free, but it’s a great way to earn cashback on purchases you’re already making. With the Venmo card cashback program, you can earn up to 3% cash back on purchases at participating merchants. The cashback is automatically deposited into your Venmo balance, which you can then use to load your Venmo card without any fees.

Bank Transfers

Another great way to load your Venmo card for free is through bank transfers. This method is particularly beneficial as it lets you reload your card from the comfort of your home. By simply linking your bank account to your Venmo account, you can transfer funds from your account to your Venmo card for free.

To set up bank transfers, navigate to the “Bank Transfer” option on your Venmo app. You will then be prompted to select your bank and input your account details. Once your bank account is connected, you can transfer funds to your Venmo account anytime.

Tips for Saving Money When Loading Your Venmo Card

Now that you know where you can load your Venmo card for free, here are some tips that will help you save money:

● Avoid ATM Withdrawal Fees: While Venmo card allows you to withdraw cash from ATMs, you may have to pay fees to the ATM provider. Some ATMs charge a flat fee or a percentage of your withdrawal amount. To avoid these fees, use Venmo cards at merchants offering cashback or plan and withdraw cash from your bank account before leaving the house.

● Avoid Credit Cards: While you can load money onto your Venmo card using a credit card, this is not cost-effective. When you use a credit card, you will be charged a 3% fee, which can add up quickly if you load large amounts of money onto your Venmo card. In addition, using a credit card to load money onto your Venmo card can also lead to additional credit card fees and interest charges.

● Plan Your Reloads: If you plan on using cash reload networks to add money to your Venmo account, it’s essential to plan your reloads to avoid unnecessary fees. Some networks charge a flat fee that may be higher than the amount you want to reload. Make sure you reload as much money as you need to minimize the number of transactions and fees.

● Set Up Autoload: If you use your Venmo card regularly, setting up an autoload can save you time and money. With autoload, you can set a minimum balance for your Venmo account, and it will automatically reload when your balance falls below that amount. This way, you’ll never run out of funds or pay late fees for missed payments.


Many free options are available to load your Venmo card. Venmo direct deposit, bank transfers, using your Venmo balance, and using cash reload networks are just a few ways to load your card without additional fees. With the Venmo card cashback program, you can earn cashback on purchases you’re already making, making it a win-win situation. So, next time you load your Venmo card, remember these options and save yourself some money.

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By Ekxay
My name is Exkay and I enjoy talking about numerous subjects pertaining to services like Venmo, Paypal, Cash App, and others. Disclaimer: The content on Zapluk.com is given solely for informational purposes. No promises or guarantees about the accuracy or completeness of the information provided and do not promote any specific product or service.