Does Venmo work internationally? Worldwide alternatives for 2026

What is Venmo, and why has this company become so famous in the US?

Venmo is a platform that allows you to send and request money from friends without commission and is especially useful in case you don’t carry cash. Splitting lunch, utilities, and cab fares are a few examples, while social features are integrated to show your friends how you feel about each transaction, too! There are also stores and authorised partner apps that accept payment via Venmo.

Venmo has become extremely popular, with over 90 million users. Users particularly like the ease of use, the lack of fees on most transactions (standard transfers funded by a balance, bank account, or debit card are free, while credit card payments and instant transfers do carry a fee), and the ability to send money to non-Venmo users (though they still need to sign up to accept the money). Users also like being able to make payments even when their Venmo balance is insufficient, since the app can draw funds from a linked bank account or credit card.

Which countries is Venmo available in?

Venmo is available in the US only. To create an account and use the platform to send and receive money, you need to reside in the US and have a US bank account (the same applies in some US territories, such as the US Virgin Islands, Puerto Rico, and Guam). That means a US user cannot send money to a user in the Netherlands, India, or Australia.

Venmo has not announced any plans to expand to other countries.

Venmo alternatives worldwide

If you’re searching for alternative options to Venmo, we’ve got you covered! The following list includes some of the most popular apps and services to help you send and receive money around the world.

• Wise: One of the best options for international transfers. Wise lets you send money to around 160 countries and hold and convert 40+ currencies in a multi-currency account, using the real mid-market exchange rate plus a low, transparent fee shown upfront. Its linked debit card also lets you spend abroad with minimal markup.
• Revolut: One of the fastest-growing digital banks, now available in 40+ countries. It offers free Revolut-to-Revolut transfers and fee-free currency exchange up to a monthly limit (around $1,000 on the free plan), after which a small fee applies. Beyond payments, it also provides budgeting tools, savings, and stock and crypto investing.
• Vivid Money: A Berlin-based fintech where users can send and request money and invest in stocks, ETFs, cryptocurrencies, and commodities. Note that Vivid has shifted its primary focus to business banking for SMEs and freelancers; personal accounts remain available, though retail investing now carries a EUR 1 per-trade fee. You need to reside in the EEA to register.
• N26: A popular digital bank with a full German banking licence, available across around 24 EU/EEA countries. Note that N26 has exited both the US (2021) and the UK (2020), so it is now a Europe-only, euro-account service.
• Monzo: A leading UK digital bank with over 15 million customers, offering instant fee-free payments between UK users. After securing an EU banking licence via Ireland, Monzo is expanding into Europe (starting with Ireland), but it is closing its US operations in mid-2026, so it does not support US accounts or US-to-UK transfers.
• PayPal: A global platform to send and receive money for both personal and business use, available in more than 200 countries, including the US, UK, India, Australia, and New Zealand (in some markets, such as China, it is limited to cross-border use). Transfers between PayPal accounts are quick, though currency conversion and certain transfers carry fees.