Venmo Fee Calculator
Venmo is free for many payments, but instant transfers, business payments and credit-card-funded payments carry fees. Pick the fee type and enter an amount to see the exact fee, what arrives after it — and how much you'd need to send for the recipient to get a precise amount.
Enter your values
Result
Standard 1–3 business-day bank transfers and payments funded by your Venmo balance, bank account or debit card are free between friends.
How to use the Venmo Fee Calculator
- 1Enter amount in the form on the left.
- 2Fill in the remaining fields — the result updates automatically as you type.
- 3Review the highlighted result and the supporting breakdown on the right.
- 4Use Copy, Share or Print to save or send your result.
Venmo's fees at a glance
Person-to-person payments funded by your Venmo balance, a linked bank account or a debit card are free. Three things cost money: instant transfers out of Venmo (1.75% of the amount, minimum $0.25, capped at $25), payments tagged as Goods & Services or made to business profiles (the seller pays 1.9% + $0.10), and sending money funded by a credit card (3%, paid by the sender — and card issuers may also treat it as a cash advance).
The free standard transfer to your bank takes one to three business days. If you can wait, that's the easiest fee to avoid entirely.
Who pays the fee?
For instant transfers, you pay when you cash out — the fee comes off the amount that lands in your bank. For Goods & Services, the buyer pays the full price and Venmo deducts the fee from what the seller receives; in exchange the transaction gets purchase protection. For credit-card sends, the sender pays the 3% on top of the amount.
Selling regularly? Price with the 1.9% + $0.10 in mind, or use the gross-up figure this calculator shows to know exactly what to invoice so you net your target amount.
Frequently Asked Questions
▸How can I avoid Venmo fees?
Use a bank account, debit card or your Venmo balance to fund payments, and use the free standard (1–3 day) transfer to your bank instead of instant transfer.
▸What is the fee for Venmo instant transfer?
1.75% of the transfer amount, with a minimum of $0.25 and a maximum of $25. Transfers of about $1,429 or more all hit the $25 cap.
▸What does 'Goods & Services' cost the seller?
The seller receives the payment minus 1.9% + $0.10. On a $100 sale, the fee is $2.00 and the seller nets $98.00 — and the buyer gets purchase protection.
▸Are these the current Venmo rates?
These are Venmo's published U.S. rates at the time of writing. Venmo can change its fees — check the fee page in the app for anything mission-critical.