Venmo is among the most widely used peer-to-peer payment platforms, used for everything from splitting bills to making purchases from merchants both small and large. The app has a number of built-in features that make it easier to manage expenses, collect funds, and keep your data private and money safe along the way, but they aren't always obvious. Here are 10 tips and tricks you can use to get the most out of Venmo.
By default, Venmo makes your friends list public, which means it is visible to anyone logged into Venmo. Scammers can capitalize on this by impersonating people you know—using their name, profile picture, and similar username—and trick you into sending money to fake accounts. To hide this list, go to Me > Settings > Privacy > Friends List and tap Private. You can also hide your profile from others' lists using the toggle on this same screen.
Update your privacy settings to hide both future and past transactions
Hopefully, your Venmo transactions are already set to private, so no one can see who you've paid, how much, and for what purpose. If not, this is the first thing you should update. Go to Me > Settings > Privacy and change the default to Private—payments will be visible only to you and the sender or recipient. Note that this doesn't hide transactions made up to this point. For that, go to Me > Settings > Privacy > Past Transactions and select Change All to Private.
If you need to send or receive payments to or from someone who isn't on Venmo, you can still do so—if they have PayPal. Venmo and PayPal users can now find and pay each other across platforms simply by searching for an email or phone number. If you need to use this connection, turn on visibility for PayPal under Me > Settings > Privacy > Find Me and switch the toggle next to On PayPal.
Turn on app-level biometric lock to keep others from sending payments
If you ever hand your phone over to someone else to make a call or look something up, you probably don't want them to have open access to your financial apps. At the very least, you should keep your Venmo transactions private; you also don't want to risk someone sending themselves funds from your account. To add an extra layer of security, enable app-level biometrics. Go to Me > Settings > Login & Security and toggle on the relevant biometric lock. Alternatively, you can add a passcode.
If you are sharing regular, recurring costs with family and friends—like rent, utilities, or streaming services—you can schedule repeated Venmo requests to automatically send when those bills are due. This way, you don't have to remember to send requests manually every week or month, nor will you need to bug people to make their payments. When you create a payment request, hit the Schedule button, select the frequency and duration, and select Save.
Use "Venmo Groups" to manage shared expenses without one person having to be in charge of everything
Alternatively, Venmo Groups allows multiple people—up to 30—to log, track, and split expenses, whether that's recurring bills divided between several roommates, or multiple transactions related to a one-time event or vacation. Anyone can add an expense to the group, and Venmo will split the total into equal amounts for each member (though this can be edited manually if someone owes more or less). Go to Me > Create a Group > Get started, then enter the group name and emoji. You can then invite others to join.
If you want to split a one-time expense with other people, like concert tickets or takeout, you can use Venmo's Split feature, which is built directly into each transaction. Instead of calculating, creating, and sending separate payment requests, Venmo lets you divide the total among one or more users and determine custom amounts for each request. Note that this option is available when you use Venmo at checkout with specific merchants (like Ticketmaster and Uber). Go to Me > Transactions, select the purchase, and tap Split. Follow the prompts to choose users, adjust split amounts, and enter notes. Then tap Review Requests > Send Requests.
Set up custom QR codes for collecting payments from large groups
Every Venmo user has a personalized QR code that sends other users directly to your profile to send or request money. This eliminates the need to locate specific accounts via search. If you have a Venmo Business account, you can set up price-specific QR codes that prefill the transaction amount, making it easier for customers to pay you the right amount. This is especially useful if you are collecting entry fees, donations, or sales of a specific item at a large event. To generate a price-specific code, go to Charge > QR code > Venmo me > $ and enter the dollar amount. Then hit Set Amount.
While you may feel comfortable sharing your primary bank information in some cases—such as with an employer, in order to get paid—you probably don't want to hand over your account numbers to just anyone. You can use your Venmo account instead to receive direct deposits, so if the information is compromised, bad actors won't have access to your external funds. (I've done this in order to receive settlement payments that required direct deposit, for example.) You'll get a routing number and an account number, and the deposits will be available as a Venmo balance, which you can later transfer to your regular account if you want to. Go to Me > Settings > Direct Deposit > Set Up Direct Deposit.
Link Venmo to a "buffer" checking account to protect against stolen funds
Another option for protecting your primary bank account is to set up a secondary checking account for linking to Venmo. Keep minimal funds in the latter, and transfer only what you need from your primary account to cover transactions (these should be at the same institution, so money can move instantly if you have an unexpected purchase). This creates a buffer between your Venmo account and your bank, so if someone were to gain access to your device or Venmo account, they wouldn't be able to make large payments. It also creates an extra step to the payment process, which can help you slow down and catch scam requests before you become a victim.
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