How to Add Venmo to Apple Pay: The Complete Guide

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Hey there! If you‘re like me, you probably use Venmo for quick peer-to-peer payments and Apple Pay for contactless transactions. But have you ever wondered – can I combine them somehow? Is there a way to move money directly from Venmo to Apple Pay?

I did some digging on this, and unfortunately the answer is no. There is no direct integration that allows transferring funds from Venmo to Apple Pay.

But don‘t worry! With a few extra steps, you can effectively move money between the two platforms. I‘ll explain exactly how in this complete guide.

By the end, you‘ll know:

  • Why Venmo and Apple Pay aren‘t directly connected
  • Two different workarounds to transfer funds indirectly
  • Step-by-step instructions for each method
  • Extra tips to make it work smoothly

Let‘s get started!

Why Can‘t You Transfer Directly From Venmo to Apple Pay?

This seems to be a common question among digital wallet users. And the answer lies in how Venmo and Apple Pay work behind the scenes.

Venmo is a peer-to-peer payment app to quickly transfer money between friends and family. When you send funds on Venmo, the money comes out of your Venmo balance, or connected bank account/debit card if you don‘t have a balance.

Apple Pay utilizes the credit and debit cards you load into your Apple Wallet for contactless payments. It‘s a slick way to pay at stores without needing your physical card.

But here‘s the key point – Venmo and Apple Pay don‘t directly interact with each other. They are completely separate systems operated by different companies.

Venmo is owned by PayPal, while Apple Pay is an Apple product. There is no official integration between the two platforms.

Without a direct connection, there‘s no way to specifically transfer funds from Venmo to Apple Pay. Venmo doesn‘t know how to "talk" to Apple Pay.

However, we can essentially bridge the gap by using a shared bank account or debit card connected to both platforms. It takes a few extra steps, but works to move money between Venmo and Apple Pay indirectly.

Next I‘ll explain the two best methods to achieve this, step-by-step.

Method 1: Use the Same Bank Account

The simplest way to transfer funds is to link the same bank account or debit card to both Venmo and Apple Pay.

Then you can send money from Venmo to that bank account, where it will be accessible to spend through Apple Pay. It takes a couple hops, but gets the job done!

Here are the details:

Step 1: Add Bank Account to Venmo

First, connect the bank account or debit card you want to use to your Venmo account:

  1. Open the Venmo app and tap the profile icon in the top-right corner.
  2. Tap "Payment Methods" on the next screen.
  3. Tap "+" or "Add Account".
  4. Choose "Bank Account" or "Debit Card" and enter your account details.

Once it‘s connected, you can send funds from your Venmo balance straight to that account. Easy!

Pro Tip: Make sure to verify the bank account after adding it to enable instant transfers. You‘ll need to provide some additional information and go through trial deposits for verification.

Step 2: Add Bank Account to Apple Pay

Next, add the same bank account or debit card to your Apple Wallet:

  1. Open the Wallet app on your iPhone.
  2. Tap the "+" icon in the top-right to add a new card.
  3. Tap "Debit or Credit Card" and enter your account details to link it.

Now Apple Pay is connected to the same bank account/card as your Venmo account. Perfect!

Step 3: Send Money from Venmo to Bank

Once everything is linked up, you can send funds:

  1. Open the Venmo app and tap the money icon in the top-right corner.
  2. Choose "Transfer to Bank" and select your connected bank account.
  3. Enter the transfer amount and complete the transaction.

The money will move from your Venmo balance right into your connected bank account, which is now linked to Apple Pay too!

Step 4: Use the Balance for Apple Pay

Now any purchases you make through Apple Pay will deduct from that shared bank account balance.

By sending the funds to your bank account first, you‘ve effectively transferred money from Venmo to Apple Pay in a roundabout way. Pretty clever!

The biggest perk of this method is you probably already have a bank account connected to both platforms. So no need to add an extra card somewhere.

The only catch is it takes 1-3 business days for transfers from Venmo to hit your bank account. So you‘ll have a short waiting period before the funds are available in Apple Pay.

Next, let‘s look at a faster alternative…

Method 2: Use Cash App Debit Card

If you don‘t want to wait a few days for bank transfers, using the Cash App debit card is a great shortcut.

Here are the steps for this speedy method:

First, add your unique Cash App debit card to Venmo:

  1. Open Venmo and tap the profile icon.
  2. Choose "Payment Methods" and then "Link Card".
  3. Enter your Cash Card details and hit "Add Card".

Now your Cash App balance is linked up with Venmo!

Next, connect the same debit card to Apple Pay:

  1. Go to the Wallet app and tap the "+" to add a card.
  2. Choose "Debit or Credit Card" and type in your Cash Card info.
  3. Verify the card details.

Great – your Cash App debit card is now loaded into Apple Pay!

Step 3: Transfer from Venmo to Cash Card

Now comes the fun part – sending money:

  1. Open up Venmo and choose "Transfer to Bank".
  2. Select your linked Cash Card.
  3. Enter the amount to transfer and complete it.

The funds will instantly move from Venmo over to your Cash App debit card balance.

Step 4: Use the Card for Apple Pay

Since the Cash Card is connected to Apple Pay, you can now use it for all your Apple Pay transactions!

Thanks to the instant transfer speed, you can move money from Venmo to Apple Pay in just a few seconds with this method. Super convenient!

The Cash Card integration makes the process much quicker compared to standard bank transfers. Definitely the fastest route if you need to transfer and use the funds ASAP.

Key Takeaways: How to Add Venmo to Apple Pay

To recap, here are some key points:

  • There‘s no direct Venmo to Apple Pay transfer, but you can connect them indirectly.

  • Link a shared bank account or debit card to create a bridge between the platforms.

  • Transfer Venmo funds to the connected bank/card, then use that for Apple Pay.

  • Use a Cash App Card for instant transfers compared to 1-3 day bank transfers.

I know it may seem complicated at first, but once you get it set up, transferring money between Venmo and Apple Pay is a breeze.

The hardest part is just linking the same bank/card to both platforms upfront. After that, it only takes a few seconds to move funds back and forth.

Hopefully this guide cleared up how to combine Venmo and Apple Pay through some clever workarounds! Let me know if you have any other questions.

FAQs About Venmo and Apple Pay

Here are quick answers to some common questions about transferring funds between Venmo and Apple Pay:

Can I add my Venmo Card to Apple Pay directly?

Unfortunately no. Apple Pay does not support Venmo‘s debit card service at this time.

What about PayPal? Can I transfer money from PayPal to Apple Pay?

Nope. Like Venmo, PayPal does not have direct integration with Apple Pay either. You‘d need to use a bridge like the methods described above.

Is it possible to transfer money from Apple Pay to Venmo instead?

Yes! You can use the same techniques in reverse – link a shared bank/card, then move funds from Apple Pay to that account, and finally back to Venmo.

Can I use these methods internationally?

As long as you have a bank account or debit card that works internationally on both platforms, you can use the same linking process in other countries.

What if I don‘t have a shared bank account or Cash Card?

You‘ll need some type of "connector" account or card on both platforms to bridge the gap. If you don‘t have one, try linking a new debit card or online bank account to both Venmo and Apple Pay.

And there you have it! Let me know if you have any other questions. I‘m always happy to help explain more about linking financial accounts and mobile payment platforms.

Thanks for reading! Now you know exactly how to integrate Venmo and Apple Pay like a pro.


Written by Alexis Kestler

A female web designer and programmer - Now is a 36-year IT professional with over 15 years of experience living in NorCal. I enjoy keeping my feet wet in the world of technology through reading, working, and researching topics that pique my interest.