How To Access Venmo Without a Phone Number

For centuries, paper currency and metallic coins were used in the exchange of goods and services. Eventually, the first debit and credit cards were introduced and have slowly become the preferred payment method for many people. 

But these days, even plastic cards are being left alone as more people are shifting toward mobile payment options like Venmo. Using these services is undeniably more convenient than cash or card. However, they’re also a bit more risky as your personal information will be more vulnerable. 

Fortunately, we know a few ways that you can lower these risks and use Venmo without giving them your phone number. 

What Is Venmo?

Around 2015, as smartphones went from a luxury to a necessity, Venmo exploded in popularity. In the years since, it’s become the go-to option for many people looking to quickly send and receive money among friends, family, and businesses. 

Instead of having to get cash from an ATM, write a check, or arrange a wire transfer, Venmo offers its users a convenient way to split restaurant bills, pay rent, or loan someone a few bucks until payday. It’s an easy way to access your money and transfer it to others when necessary. 

Seeing as how there is a countless amount of money at stake, Venmo takes security very seriously and aims to protect its users as much as possible. One such security feature is that you need to provide a phone number in order to set up and access your Venmo account. 

Why Does Venmo Need Your Phone Number?

Before we dive into how you can access Venmo without a phone number, it's important to understand why Venmo requires a phone number in the first place. The primary reason is online security. By linking a unique phone number to each account, Venmo ensures that each user is a real person, which can help prevent fraudulent activities like identity theft.

Two-Factor Authentication

Venmo also uses your phone number as a method of two-factor authentication. Whenever you log into your Venmo account, you'll receive a code via text message that you need to enter to verify your identity. Should anyone gain access to your password, this extra layer of security prevents them from accessing your account without also being in possession of your phone. 

Notifications and Alerts

Another reason why Venmo requires your phone number is that it can be used to notify you of any suspicious activity on your account. For example, if a new device logs into your account, you'll receive a text message alert. If you weren't trying to log in, then you’ll be able to take immediate action as your account might be compromised. 

How Can You Access Venmo Without a Phone Number?

While these security measures are in place to protect users, they can also be a problem for anyone who doesn’t have a mobile number or prefers to keep their personal number private. If that’s the situation you’re in, there are a few ways around this hurdle:

Use an Email Address

The first way to access Venmo without a phone number is to use an email address instead. 

Here's a step-by-step guide on how to do it:

1. Download the Venmo app from the App Store or Google Play Store.
2. Open the app and select “Sign Up” to create a new account.
3. When prompted, select “Sign Up with Email.”
4. Enter your email address and name, and create a password.
5. Read and accept the user agreement to complete the sign-up process.
6. You'll receive a confirmation email from Venmo. Click on the link in the email to verify your account. 

Using this method is as simple and straightforward as it sounds. While it doesn’t require a phone number, it does severely limit what you’ll be getting. Not only will you miss out on security notifications, you won’t be able to access the app. You’ll be taking the “mobile” part out of mobile payment service and signing up for something that you can barely use. 

Using a Landline or Non-Mobile Number

The second method is to use a landline or non-mobile number. While landlines are mostly a thing of the past (in fact, it’s possible you’ve never used one), they can be helpful for situations like this since they typically aren’t directly tied to as much personal information as a cell phone.

Here's how to do it:

1. Download the Venmo app from the App Store or Google Play Store.
2. Open the app and select "Sign Up" to create a new account.
3. When prompted, select "Sign Up with Phone Number."
4. Enter your landline or non-mobile number.
5. You'll receive a call with a verification code. Enter this code to verify your account.

This method can be helpful for those who’d like to keep their mobile phone number private. However, keep in mind that without a mobile number, you won't be able to receive text message notifications, use two-factor authentication via text, or access the app. 

Using a Burner Number

The third method is to use a Burner number. Burner is a mobile app that lets you use temporary phone numbers for private calls and texts, which makes it perfect for situations like these. 

Here's how to use a Burner number to access Venmo:

1. Download Burner from the App Store or Google Play Store and create an account.
2. Once you have a Burner account, you can select your subscription plan and create a temporary phone number.
3. Download the Venmo app from the App Store or Google Play Store.
4. Open the app and select "Sign Up" to create a new account.
5. When prompted, select "Sign Up with Phone Number."
6. Enter your Burner number.
7. You'll receive a text message on your Burner account with a verification code. Enter this code to verify your Venmo account.

Unlike the other options on this list, using Burner allows you to experience the full capabilities of Venmo. You’ll be able to receive instant security alerts, enable two-factor authentication to keep your account secure, and have full access to the mobile app while keeping your personal number private. 

It’s important to keep in mind that Venmo's terms of service state that you must provide a valid mobile or VoIP number and that they reserve the right to validate your phone number at any time. If you use a Burner number to set up your Venmo account, then you’ll need to maintain access to it in case Venmo attempts to validate it. 

Alternative Payment Apps That Don't Require a Phone Number

If you find Venmo's phone number requirement too restrictive, then there are a few other payment apps that don't require a phone number. While these apps don’t require a phone number, they each come with their own set of features, security measures, and ease of use. Take some time to look over all of these features to decide which one is best for you.

Here are a few worth considering: 

PayPal

As one of the most widely used online payment systems (and owners of Venmo), PayPal allows users to send and receive money using only an email address. Its robust security measures and global acceptance make it a reliable and trustworthy alternative.

Cash App

This mobile payment service by Square allows users to transfer money using a unique $Cashtag, which can be set up using an email address. It's another popular choice for peer-to-peer payments that’s a little less strict than Venmo. 

Zelle

This digital payment network is integrated with many banking apps, making it easy to send and receive money directly from your bank account. You can enroll with Zelle using your email address and access it using your banking app.

Tips for Protecting Your Privacy and Security on Payment Apps

Regardless of the payment app you choose, it's always important to take additional steps that can protect your privacy and security. 

Here are a few best practices:

1. Use a strong, unique password: Avoid using obvious choices like "password" or "123456." Instead, use a combination of letters, cases, numbers, and symbols.
2. Enable two-factor authentication: If the app offers two-factor authentication, then use it. This adds an extra layer of security to your account.
3. Be wary of scams: Avoid sending money to people you don't know or trust. Be cautious of requests for money that come out of the blue, especially if they press for urgency or secrecy.
4. Keep your app updated: Make sure to update the app regularly. Updates often include security enhancements to protect your information.
5. Monitor your account: Regularly check your transaction history for any suspicious activity. If you spot anything unusual, report it immediately to the app's customer service.

The Bottom Line

Venmo is one of the most popular mobile payment services in the world. However, its phone number requirements can be a potential deterrent for some people. You can navigate this challenge by using an email address, landline, or Burner number. You can also consider other payment apps that don’t require the use of a phone number. 

No matter what you decide, it’s always important to prioritize your privacy and security. Even the most secure digital fortresses can be invaded. So instead of relying on the security offered by mobile payment services like Venmo, it’s always recommended that you take additional steps to protect yourself. At the end of the day, protecting your information is your responsibility. 

For more tips on privacy and online security, check out our blog. Following some of our tips will help you enjoy all the conveniences of modern technology with none of the privacy concerns. 

Sources:

What To Know About Identity Theft | Consumer Advice

What Is Two-Factor Authentication (2FA)? How It Works and Example

Mobile Payment Apps: How To Avoid a Scam When You Use One | Consumer Advice

Protecting Your Privacy | CISA