Download the Venmo app or visit the Venmo website
Create an account with your email or phone number
Verify your identity if prompted
Link a bank account, debit card, or credit card
Add contacts or sync your phone contacts
Tap the pay or request option
Enter the recipient’s username, phone number, or email
Enter the amount
Add a note if desired
Choose whether to pay, request, or split a payment
Review the details before sending
Confirm the transaction
Check your Venmo balance and transaction history
Transfer money to your bank account if needed
Adjust privacy settings in the app
Keep your account secure with a strong password and two-factor authentication