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Venmo Fee Calculator

Calculate exact Venmo fees for Goods & Services payments, credit card sends, instant transfers, Cash a Check, ATM withdrawals, and crypto trades. Built from Venmo's published fee schedule. Free, client-side.

Fee rate: 1.9% + $0.10

Recipient receives

$98.00

Amount

$100.00

Fee

−$2.00

Net

$98.00

Venmo charges the seller (recipient) 1.9% + $0.10 on Goods & Services payments. The payer is not charged.

Calculations are estimates based on Venmo's published fee schedule. Always confirm the exact fee in the Venmo app before sending.

How It Works

  1. 1

    Pick the transfer type

    Goods & Services, credit card send, instant transfer, ATM, crypto, and more.

  2. 2

    Enter the amount

    Type the USD amount. The result updates live as you type.

  3. 3

    See the fee and net

    Fee, total charged, and amount actually received, broken down clearly.

Use Cases

  • Selling on Venmo

    Know exactly how much you net after the Goods & Services fee before quoting a price.

  • Splitting a bill on credit card

    Check what the 3% credit card fee adds before sending money to friends.

  • Cashing out fast

    Compare the cost of an instant transfer vs the free 1–3 day standard option.

  • Planning a crypto trade

    Estimate the fee on a Venmo crypto buy before pulling the trigger.

Frequently Asked Questions

Sometimes. Sending money to friends from your bank account, debit card, or Venmo balance is free. Venmo charges a fee for: Goods & Services payments (1.9% + $0.10, paid by the seller), credit-card-funded sends to friends (3%), instant transfers to your bank (1.75%, $0.25–$25), Cash a Check (5%, $5 minimum), ATM withdrawals with the Venmo Debit Card ($2.50 domestic in-network), and crypto buy/sell trades. Standard 1–3 business day transfers to your bank are free.
Only on specific transaction types. Person-to-person payments funded by bank, debit, or balance are free. Receiving money from friends is free. The most common fee people run into is the 1.75% instant transfer charge when cashing out fast. Use this calculator to check the exact amount before each transaction.
Venmo charges the seller (the person receiving money) 1.9% of the transaction plus a fixed $0.10 fee on every Goods & Services payment. So if a buyer sends $100, the seller receives $98.00 ($100 − $1.90 − $0.10). The buyer is not charged. But they also get purchase protection in return.
The seller (recipient) always pays the G&S fee on Venmo. There is no way to shift it to the buyer inside the app. Some sellers pad their listed price to cover the fee.
If you fund a payment to a friend with a credit card, Venmo charges a 3% fee on top of the amount. So sending $100 to a friend on a credit card costs you $103 total. Payments funded by a bank account, debit card, or Venmo balance are free between friends.
Instant transfer to a linked bank or debit card costs 1.75% of the amount, with a minimum fee of $0.25 and a maximum of $25. Standard 1–3 business-day transfers are free.
No. Receiving money from friends and family on Venmo is free. Fees only apply to Goods & Services payments, credit-card-funded sends, instant transfers, cashing a check, ATM withdrawals, and crypto trades.
Pre-printed payroll and government checks cost 5%. Other check types cost 5% with a $5 minimum. The fee comes out of the check amount you receive.
Using the Venmo Debit Card at an in-network domestic ATM costs $2.50 per withdrawal. Out-of-network and international ATMs charge more, plus any fees from the ATM owner.
Venmo's crypto fees scale with trade size. Small trades pay a higher percentage (roughly 2.3% in the $25–$100 range), with the rate decreasing for larger amounts. Always check the in-app preview for the exact fee before confirming.
No. This is an unofficial calculator built from Venmo's published fee schedule. Numbers change occasionally. Always confirm the exact fee in the Venmo app before sending money.

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