Venmo Fee Calculator
Find out what Venmo charges on a payment: business profile, goods and services, or Tap to Pay. Add the Instant Transfer fee if you cash out straight away.
Venmo Fee Calculator
Rates from Venmo's fee page, checked 22 October 2026. Calculated on this page; nothing is sent anywhere.
Calculated in your browser from published fee schedules. Nothing is sent anywhere.
Scratchpad auto-saved
How it works — in four simple steps
No signup and nothing to install — it all runs in your browser.
Pick the payment type
Business profile, goods and services, or Tap to Pay.
Enter the amount
What the customer sends.
Add Instant Transfer if needed
Standard bank transfers are free.
Read what you receive
Plus what to charge to net an exact amount.
Standard transfers to your bank are free. Instant Transfer is only worth it when you need the money today.
Features
All seller fees
Business profile, goods and services, and Tap to Pay rates.
Instant Transfer
Adds 1.75% with the $0.25 minimum and $25 cap.
Reverse calculation
What to charge to receive an exact amount.
Sender-side card fee
Shows what a customer pays in total when they use a credit card.
Fee ladder
Fees from $5 to $1,000 at a glance.
About the Venmo Fee Calculator
Venmo is free for paying friends from a bank account, debit card or Venmo balance, but it charges sellers. A payment to a business profile costs the business 1.9% + $0.10. A payment to a personal profile that the sender marks as goods and services costs the receiver 2.99%, and in return the buyer gets Venmo's purchase protection. In-person Tap to Pay on a business profile costs 2.29% + $0.09.
Moving money out costs extra only if you're in a hurry. A standard transfer to your bank takes one to three business days and is free. Instant Transfer costs 1.75% of the amount, with a minimum of $0.25 and a maximum of $25. On the sender's side, paying with a credit card adds a 3% fee to what they pay, while the amount you receive stays the same.
The calculator applies these rates to your amount, adds the Instant Transfer fee if you tick it, and works backwards to show what to charge so you net an exact figure. Venmo is US-only, so everything is in US dollars.
Examples
Venmo fees (checked 22 October 2026)
| Payment | Fee |
|---|---|
| Business profile payment | 1.9% + $0.10 |
| Goods and services payment to a personal profile | 2.99% |
| Tap to Pay (business profile) | 2.29% + $0.09 |
| Friends and family, from bank or Venmo balance | Free |
| Instant Transfer to bank | 1.75% (min $0.25, max $25) |
| Standard bank transfer | Free |
| Sending with a credit card (sender pays) | 3% |
Source: Venmo fees.