Venmo Fee Calculator
Venmo business profiles pay 1.9% + 10¢ per payment. On $100 the fee is $2.00 and you keep $98.00. Instant transfers to a bank cost another 1.75% (minimum $0.25, maximum $25).
How to use this Venmo fee calculator
- Choose whether you want to see what you keep from a payment or what to charge to keep an exact amount.
- Enter the amount. The calculator starts with the business profile rate of 1.9% + 10¢. You can edit the rate if Venmo changes it.
- Tick the instant transfer box if you move money to your bank right away instead of waiting for a free standard transfer.
- Enter how many payments you receive a month to see the monthly and yearly cost.
How much does Venmo charge businesses?
Venmo's business profile fee is 1.9% plus 10 cents per payment of $1.00 or more, taken from the amount the customer sends. On $100 the fee is $1.90 + $0.10 = $2.00 and you keep $98.00. Business profile fees are not refunded if you refund the payment.
Venmo business fees by payment size
| Payment | Venmo fee | Fee % of payment | You keep | Charge to keep the full amount |
|---|---|---|---|---|
| $5 | $0.20 | 3.90% | $4.81 | $5.20 |
| $10 | $0.29 | 2.90% | $9.71 | $10.30 |
| $25 | $0.57 | 2.30% | $24.42 | $25.59 |
| $50 | $1.05 | 2.10% | $48.95 | $51.07 |
| $100 | $2.00 | 2.00% | $98.00 | $102.04 |
| $250 | $4.85 | 1.94% | $245.15 | $254.94 |
| $500 | $9.60 | 1.92% | $490.40 | $509.79 |
| $1000 | $19.10 | 1.91% | $980.90 | $1,019.47 |
What does a Venmo instant transfer cost?
Moving your balance to a bank account or eligible debit card instantly costs 1.75%, with a minimum of $0.25 and a maximum of $25. Standard transfers to a bank are free and take 1 to 3 business days. If you take a business payment and cash out instantly, the two fees stack:
| Payment | After business fee | Instant transfer fee | Arrives in your bank |
|---|---|---|---|
| $50 | $48.95 | $0.86 | $48.09 |
| $100 | $98.00 | $1.72 | $96.28 |
| $500 | $490.40 | $8.58 | $481.82 |
| $2000 | $1,961.90 | $25.00 | $1,936.90 |
Personal or business profile?
Personal profiles are for paying friends and family, and payments from a bank account or Venmo balance are free. Venmo says personal profiles are meant for personal use, so selling goods or services belongs on a business profile, which pays the business rate above. Check Venmo's user agreement for the current rules.
Is Venmo free for sellers?
No. A business profile pays 1.9% + 10¢ on each payment it receives. The customer does not pay the fee, because it is taken from the amount you receive. If you want to keep a set amount, you can raise your price using the second mode of the calculator.
Venmo compared with Stripe and card readers
On a $100 sale, Venmo's business rate costs $2.00 and Stripe's standard card rate costs $3.20. The gap is largest on bigger payments because Venmo's percentage is lower. Venmo is mainly used when customers already pay with the app, so compare the fee with the convenience, payout speed and customer reach for your business. Try the Stripe fee calculator to compare.
Where the real cost differs
The 10 cents matters on small payments: on a $3 sale it is more than the percentage. If you cash out instantly instead of waiting a day or two, the transfer fee is charged on top. In-person tap payments have their own rate, and Venmo's own pages do not agree on it, which is why the rate boxes are editable. Selling through a personal profile to avoid fees is against Venmo's terms.
Fees last checked: 2026-11-11 against Venmo's business profile fees page. Rates change, so confirm on the official page before you price.
Venmo Fee Calculator FAQ
How much does Venmo take from $100?
A business profile pays 1.9% + 10¢, so $2.00 on $100, and you keep $98.00.
What are the Venmo business profile fees?
1.9% plus 10 cents per payment of $1.00 or more, taken from the amount you receive.
How much does Venmo charge for an instant transfer?
1.75% of the transfer, with a $0.25 minimum and a $25 maximum. Standard transfers to a bank are free.
How much should I charge to receive $100 through Venmo?
About $102.04: ($100 + $0.10) ÷ 0.981.
Does the customer pay the Venmo fee?
No. The fee is taken out of the payment the business receives.
Is Venmo free for selling things?
Not on a business profile, which pays 1.9% + 10¢. Personal profiles are free for friends and family, but Venmo says they are for personal use.
Does Venmo refund its fee if I refund a customer?
Venmo says business profile fees are non-refundable.
Is there a Venmo fee for credit card payments?
Personal payments funded by a credit card carry a 3% fee. Venmo says customers paying a business profile are not charged that fee.
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Last updated: November 11, 2026 · How we check this calculator