Worst. App. Ever!!!! Person owed me $1,000. Couldn't get it to go through. He had the same problem with a a payment to someone else, but insisted on using Venmo. Finally send $20 successfully. Then $300 successfully. Finally ended up doing a direct wire for the balance. Then, I could only transfer $20 to my debit card via the instant option. No other transfers would go through over several days, different bank accounts, etc. Emailed Venmo and received a response the next day that I the instant transfer failed, they couldn't tell why, and to send via 3 day transfer to my bank account. But, takes 3 days to verify a bank account (debit card is instantly verified). So I have to wait at least 6 DAYS to get my money. Never had a problem with PayPal or any other system. My bank couldn't tell me anything either. Said there is essentially no support for Venmo. Said best to use Zelle. Will be deleting Venmo after the transfer & spreading the word. DO NOT USE VENMO!