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How To Add Venmo To Apple Pay Without Card in 4 Steps (With Photos)

Hey there! Have you ever wanted to use your Venmo balance to make quick payments using Apple Pay? If so, you‘ve come to the right place.

In this guide, I‘ll walk you step-by-step through adding Venmo to Apple Pay, even without a physical card.

After reading, you‘ll be a pro at linking Venmo and Apple Pay to unlock all the perks of mobile payments at your fingertips. Let‘s dive in!

Can You Add Venmo to Apple Pay Without a Card?

Let‘s start with the crucial question – is it possible to add Venmo as a payment method in Apple Pay without first linking a debit or credit card?

The short answer is no.

Due to how Apple Pay works as a mobile wallet, you must add a physical debit or credit card before you can use your Venmo balance.

But why is that? Well, here are 3 key reasons:

1. Apple Pay is a Virtual Card Holder

Apple Pay is a contactless payment system that allows you to use supported Apple devices for payments. But essentially, it is a digital wallet for holding your credit and debit cards.

Think of the Wallet app as your virtual cardholder. You go into your Apple Wallet and pull out the appropriate card when needed.

So in order to add Venmo as an option, there must be an associated debit or credit card added first.

2. Venmo Requires a Bank Account or Card

Venmo is a peer-to-peer payment app to quickly send and receive money with friends and family.

But to get started on Venmo, you need to connect a bank account, debit card, or credit card. Venmo does not work independently on its own.

So you need a card in order to fund your Venmo account before using it as a payment method elsewhere.

3. Apple Pay Needs the Actual Card Details

When adding a new card to Apple Pay, you have to enter details like the card number, expiration date, and security code.

Apple Pay uses this information to digitally store the card safely for mobile payments.

Without an actual, physical credit or debit card, it‘s impossible to add one to your virtual Wallet.

In summary, a Venmo card is mandatory to add Venmo as a payment option to Apple Pay. There‘s no workaround for this requirement currently.

But don‘t worry – getting and adding a Venmo debit card is quick and easy. I‘ll walk you through the entire process step-by-step shortly.

First, let‘s look at some useful statistics on mobile payments and digital wallets:

  • Mobile payments via apps like Apple Pay and Venmo are growing rapidly. Digital wallets are expected to surpass $10 trillion in transactions by 2024. (Juniper Research)

  • 58% of smartphone users have used mobile payment apps, up from 48% in 2018. Adoption is steadily rising. (Stastia)

  • Over 90% of US iPhone users have set up Apple Pay on their devices. It‘s the most popular mobile wallet app. (PYMNTS)

  • 75% of Venmo users have made purchases with Venmo Pay in the last year. Linking Venmo with Apple Pay provides wider access. (Venmo survey)

The demand for fast, easy mobile payments is clear. Integrating Venmo into your Apple Wallet is becoming a necessity.

Next, let‘s compare the key features and use cases of Venmo vs. Apple Pay so you understand the benefits of combining both services.

Venmo vs. Apple Pay: Key Feature Comparison

Feature Venmo Apple Pay
Main Use Peer-to-peer payments In-store/online payments
Transaction Types Send/request money Contactless payments
Balance Venmo balance for P2P payments Uses linked card balance
Accepted At Apps supporting Venmo Pay Any merchant accepting Apple Pay
Security Encryption for money transfers Tokenization system for transactions
Perks Social newsfeed on payments Rewards with eligible cards

As you can see, Venmo and Apple Pay complement each other nicely:

  • Venmo excels at sending money between friends easily.

  • Apple Pay excels at contactless in-store and digital payments.

Linking them together gives you the benefits of both peer-to-peer transfers and mobile wallet convenience in one place!

For example, you could:

  • Receive money from a friend on Venmo
  • Transfer it to Apple Pay
  • Then use those funds to buy groceries with Apple Pay!

With that context explained, let‘s get into the step-by-step instructions on linking Venmo and Apple Pay.

How to Add Venmo to Apple Pay (With a Venmo Card)

Adding your Venmo debit card into the Apple Wallet app takes just a few minutes.

You‘ll need your iPhone or other Apple device with Apple Pay set up.

Here are the 4 simple steps to follow:

Step 1: Open Your Apple Wallet

On your iPhone‘s home screen, tap the Apple Wallet app icon to launch it. This is the main hub for Apple Pay.

Apple Wallet app icon on iPhone home screen

Once opened, you‘ll see any cards you‘ve already added to Apple Pay.

Step 2: Tap the (+) Icon

At the top right, tap the plus (+) sign to add a new card to your Wallet.

Plus icon to add card in Apple Wallet

This will open the "Add Card" screen.

Step 3. Choose Debit or Credit Card

Under Card Type, select the "Debit or Credit Card" option since Venmo provides a debit card.

Select debit or credit card option in Apple Wallet

Apple Pay also supports store cards, rewards cards, and transit cards – but for Venmo you‘ll choose debit/credit.

Step 4: Enter Venmo Card Details

Finally, you need to input your Venmo card information so Apple Pay can add it:

  • Scan your card: Use your iPhone camera to scan the front and back of your physical Venmo debit card. It will automatically fetch the details.

  • Enter manually: Tap "Enter Card Details Manually" to type in your card number, expiration date, and CVC security code.

Enter Venmo card details manually in Apple Wallet

Double and triple check that all the card details are correct! Mobile wallets can be tricky with mistyped info.

Once submitted successfully, your Venmo debit card will show up as a payment option. Congrats, you‘re all set to use it for Apple Pay transactions!

Transferring Money from Venmo to Apple Pay

While a card is required to directly link Venmo and Apple Pay, you can transfer Venmo funds without a card using a connected bank account.

Here‘s how to go about it:

Step 1: Connect a Bank Account to Venmo and Apple Pay

First, link the same bank account to both your Venmo and Apple Pay profiles:

  • In the Venmo app, go to Payment Methods > Add Bank and enter your details.

  • In Apple Wallet, open your Apple Cash card, tap the ⋮ icon, and add your bank.

This allows money transfers between the two services through your bank account.

Step 2: Transfer Funds From Venmo to Your Bank

Once linked, transfer money from your Venmo balance into your connected bank account.

There‘s a $10 minimum per transfer, so keep that in mind!

Step 3: Transfer Money From Your Bank to Apple Pay

Finally, with the funds now in your linked bank, you can send money from your bank to top up your Apple Pay cash balance.

Just go back into your Apple Cash card and use the "Add Money" option.

And that‘s it! The bank acts as the intermediary allowing you to shift Venmo funds into your Apple Pay.

Making App Store Purchases with Venmo

Once you successfully add your Venmo debit card into Apple Pay, you gain some nice new perks:

  • You can now use your Venmo balance for App Store purchases on your iPhone and iPad! Just tap Apple Pay at checkout.

  • You can also make in-app purchases in other apps using your Venmo balance via Apple Pay. Super convenient!

  • At physical Apple Stores, you can select Apple Pay and scan your Venmo debit card from Wallet to buy accessories, devices, and more.

So integrating Venmo into your Apple Wallet allows you to leverage your Venmo money in more places. Nice!

The Benefits of Linking Venmo with Apple Pay

Beyond accessing your Venmo balance for Apple Pay, here are some other great perks of combining the two services:


  • Carry fewer cards and access multiple payment methods from one Apple Wallet.

  • Make contactless payments quickly with Face/Touch ID or double-clicking your iPhone side button.


  • Your actual card details are never shared with merchants. Apple Pay uses a unique digital token for each transaction.

  • If your iPhone is lost, you can disable Apple Pay remotely and protect all your virtual cards.


  • Certain Venmo debit cards qualify for cashback, points, or other incentives on purchases.

  • You may also get a percentage of Apple Pay transactions back in Daily Cash.


  • The clean Apple Wallet interface keeps all your digital cards organized neatly in one place.


  • Use your Venmo balance anywhere Apple Pay is supported – stores, apps, websites, and more.

As you can see, linking Venmo for Apple Pay provides some great financial utility in one convenient package.

Troubleshooting: Issues Adding Venmo to Apple Pay

Sometimes technical snags can get in the way when adding a Venmo card into your Apple Wallet.

Here are some top issues and fixes to try:

You see "Not Eligible" or "Card Not Supported" error

  • Ensure your Venmo card is an eligible Mastercard debit card. The Venmo credit card does not work.

Card Limit Reached error appears

  • Apple Wallet allows up to 8 cards. You may need to delete an existing card first.

Card details are rejected

  • Carefully re-enter your Venmo card details manually. Scanning can misread details.

Your region or device don‘t support Apple Pay

  • Double check Apple Pay availability for your country and that your iPhone model supports it.

Errors adding bank account

  • Verify your bank account login credentials are correct. Contact your bank if issues persist.

As a last resort, you can contact Venmo or Apple support for additional troubleshooting help. But in most cases, the causes above are the culprits.

Let‘s Recap…

After reading this guide, you should now be a pro at adding your Venmo card into Apple Pay!

Here are the key takeaways:

  • While you can‘t directly link Venmo without a card, a Venmo debit card is required to add it as a payment method in Apple Pay.

  • Simply launch the Wallet, tap the + icon, enter your Venmo card details, and you‘re set!

  • For transferring Venmo money without a card, link a bank account to Venmo and Apple Pay as a money transfer intermediary.

  • Enjoy using your Venmo balance for App Store purchases, in-app payments, and at physical Apple Stores once connected.

  • Combining Venmo and Apple Pay gives you a convenient, secure mobile wallet packed with useful payment features.

I hope this guide was helpful! Let me know if you have any other questions on maximizing these awesome mobile payment apps.

Happy Venmo‘ing and Apple Pay‘ing!