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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Venmo vs Apple Wallet

Venmo 4.8★ · Free to download 65
Winner Venmo
Apple Wallet 4.8★ · Free to download 55

Venmo is generally preferred for peer-to-peer payments and offers more features like a debit card, while Apple Wallet excels in contactless payments and digital card storage but struggles with customer service and money management issues.

Full reviews: Venmo · Apple Wallet

Venmo and Apple Wallet both facilitate digital payments, but Venmo offers a more robust platform for sending and receiving money, including a physical card, despite significant customer service and reliability complaints. Apple Wallet is praised for its convenience in contactless payments and digital card storage, though users report issues with money management and a lack of direct customer support.

Head to head

Features & Functionality edge: VenmoR5R9R11R19
Venmo Venmo users appreciate its ease of sending money to friends and family, the functionality of its debit and credit cards, and features like teen accounts and QR codes for payments R5R19. However, some users dislike the presence of ads, large icons, and the public nature of transactions R9R11. There's also a desire for features like percentage contribution in group payments and better tracking of sent/received money with individuals .
Apple Wallet Apple Wallet is valued for its convenience in storing various cards, including debit, credit, and gift cards, and its ability to track packages . Users enjoy the notification alerts for orders and shipments . However, some find the app limited in functionality, lacking budgeting tools, and express frustration over not being able to add certain cards like driver's licenses . There are also complaints about random charges and difficulty managing Apple Credit Card details .
Ease of Use tieR6R7R15R17
Venmo Many Venmo users find it very simple, quick, and easy to use for sending and receiving money R15R17. The process of paying with the Venmo card is also described as easy R19. However, some users report the app is not user-friendly, feels glitchy, and has poor website UI R7. Issues with connecting bank accounts and debit cards are also reported R6.
Apple Wallet Apple Wallet is frequently praised for being convenient and easy to use, especially for payments . Users appreciate its straightforward nature . Conversely, some users find it not user-friendly, difficult to set up, and struggle to find balances . There are also complaints about not being able to access recent payment authorizations or load certain cards .
Reliability & Performance tieR1R4R6R10
Venmo Venmo faces significant criticism regarding reliability. Users report money being taken and accounts frozen for no reason, error messages, inability to send payments, and money not appearing in accounts after transfer R1R4R6R10. There are also issues with the app not opening or working on newer phones . Card service for Venmo debit cards is also cited as poor, with cards being late or getting stuck .
Apple Wallet Apple Wallet users experience issues with money disappearing and reappearing, funds being withheld, and accounts being locked for no reason R70R81. Some users report not being able to receive Apple Pay or verify identity for Apple Cash R67R112. There are also complaints about incorrect order tracking and items not being received despite delivery notifications .
Customer Support tieR1R12R14R16
Venmo Venmo's customer service receives overwhelmingly negative feedback. Users describe it as terrible, a joke, non-existent, and unhelpful R1R12R14R16. Many report being given the runaround, being told to wait days for resolution, or only having access to AI chatbots that can't help R1R12. Issues with account lockouts and inability to change phone numbers are exacerbated by poor support R14.
Apple Wallet Apple Wallet users also report significant issues with customer service, stating there's no one to contact for fraud, no phone number for help, and that customer service is a waste of time . Some users mention being charged for support to fix issues that Apple has neglected .
Price/Value tieR1R16R24R34
Venmo Venmo is free to download, but users complain about random charges, difficulty with refunds, and money being taken from their accounts R1R16R24. There are also concerns about predatory behavior like promoting prediction markets and gambling ads R34.
Apple Wallet Apple Wallet is also free to download. Users report issues with unexpected charges, hidden fees masked by 'cash back' notices, and being overcharged . Some users are asked for personal information like SSN and DOB just to receive money .
Pick Venmo if

Pick Venmo if you frequently send and receive money with friends and family, appreciate features like a physical debit card, or need a teen account R5R19.

Pick Apple Wallet if

Pick Apple Wallet if you primarily use Apple Pay for contactless payments, want a convenient way to store various digital cards, and value order tracking notifications .

Evidence note: Both apps have a significant number of negative reviews related to money management, account access, and customer service, despite high lifetime ratings. The free nature of both apps means that negative experiences are not necessarily tied to paying for a premium service.

Frequently asked

Does Venmo have good customer service?
No, many users report Venmo's customer service as terrible, a joke, or non-existent, often providing no resolution for issues like frozen accounts, lost money, or inability to access accounts R1R12R14R16.
Can I use Apple Wallet to send money to friends?
Yes, Apple Wallet allows you to help family and friends when in need, but some users report issues with not being able to receive Apple Pay or send money to people R65R67R112.
Are there issues with money disappearing in Apple Wallet?
Yes, some Apple Wallet users have reported instances of money disappearing and then reappearing 24 hours later, or funds being withheld for extended periods R70R81R91R94.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R5] Venmo 5/5 · US Love it: The teen account work well
  2. [R9] Venmo 3/5 · US Lose the ads…: Enough already- we didn’t ask for ads and don’t want them. Period.
  3. [R11] Venmo 4/5 · US Huge icons: I love the bar but these huge icons that are now part of the home page is annoying and really serve no viable purpose. They need to go it had made it harder for me to keep track of my spending shifting through those huge icons
  4. [R19] Venmo 5/5 · US Venmo is great: Venmo is great because as soon as I got my card it has been so easy to pay with it, it is also just like a credit card and it helps kids understand the concept of a debit or credit card. It is also great because it is super easy to send money to someone if you need to and I LOVE that you have a QR code that anyone with Venmo can just send you the amount it is so easy.
  5. [R6] Venmo 3/5 · US Connection issues: Have used it for a long time. Recently I’ve been “unable to make payments at this time”. I have to disconnect my bank account and debit card and then reconnect it every single time I try to send a payment.
  6. [R7] Venmo 2/5 · US Extremely Poor Web Site UI and functionality: Extremely Poor Web Site UI and functionality with no easy way to remove “friends” and very limited functions for a for-profit corporation!
  7. [R15] Venmo 5/5 · US So easy, so good.: Love Venmo!
  8. [R17] Venmo 5/5 · US Easy: Love it
  9. [R1] Venmo 2/5 · US They steal your money: Several times I used Venmo for a transaction and the money is taken from the account and then a week later they freeze your account because there is “an issue wuth the transaction” and you have to pay more money. I called for a resolution and was given the run around. This has happened 3x! And I finally closed this scam Venmo account
  10. [R4] Venmo 1/5 · US Sucks: It keeps sending error messages
  11. [R10] Venmo 1/5 · US Unexplained Problem!: Unbelievable! Could no longer send money worth the carted on file. Took an hour on the phone after a useless day of trying. Had to cancel and sign up again- and once again it is not working.
  12. [R12] Venmo 1/5 · US Worst Service: Do NOT use this app. Customer service is absolutely terrible. I’ve had this account for years with no issues, and now suddenly it’s frozen for no valid reason. They tell you to call support, which gets you nowhere, just to hear “your account has been escalated, check your email in 3, 5 days.” Really? It didn’t take 3, 5 days to take my money, but now I have to wait to get access to it
  13. [R14] Venmo 1/5 · US Change number: I changed my phone number and the only way they will allow me to access my account is sending me a text to that old number. The process to change my number is ridiculous! Venmo! Feel free to reach out to me if you want my business. I doubt that will happen. Buncha robots
  14. [R16] Venmo 1/5 · US Customer care is a joke: Customer care is a joke, if you want random charges on your account just keep using Venmo. Then when you ask for refund they make things hard unlike regular bank institutions.
  15. [R24] Venmo 1/5 · US No Good With Refunds: I have never received any refunds that are returned to me through a Venmo payment and no matter how I have tried to get in touch with them for my refunds I can never get a resolution. In 2026 alone they owe me close to $100. I am hoping someone opens a class action lawsuit so I can join and get some of my money back.
  16. [R34] Venmo 1/5 · US Promoting prediction market: They recently started sending notifications steering people towards prediction markets. This is predatory behavior pushing people towards behaviors where almost everyone except for insiders will lose money.
  17. [R65] Apple Wallet 5/5 · US Best thing ever: I love how Apple wallet allow me to help family and friends when in need.
  18. [R67] Apple Wallet 1/5 · US Apple Pay: For some reason I can not receive Apple Pay from clients
  19. [R112] Apple Wallet 1/5 · US Apple wallet: My apple wallet won't let me send money to people I can only spend my balance and it won't give me a solution plz help !!!!!!
  20. [R70] Apple Wallet 1/5 · US Stolen funds: Keep depleting my funds
  21. [R81] Apple Wallet 3/5 · US Money problem: Money keeps disappearing then reappearing 24 hours later…
  22. [R91] Apple Wallet 1/5 · US Money retention: First time I used the app and they withheld my money in the amount of 972.19 when I wanted to transfer it to my bank account, they withheld it and when I called customer service, they said they would take 10 days to return it but they haven't returned anything. I need that money for something important. I want my money now. Very bad app, bad experience, I don't recommend it.
  23. [R94] Apple Wallet 1/5 · US Ripped off: 2026 and I received $50 10 mins ago… balance is still $0. Get it together

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store