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

Venmo vs Intuit Credit Karma

Venmo 4.8★ · Free to download 70
Winner Tie
Intuit Credit Karma 4.8★ · Free + IAP 68

Venmo is better for quick money transfers and everyday spending, while Intuit Credit Karma is better for credit monitoring and financial guidance, despite both apps facing significant user complaints regarding reliability and customer support.

Full reviews: Venmo · Intuit Credit Karma

Venmo excels at peer-to-peer payments and offers convenient card options, but users frequently report issues with account freezes and poor customer service. Intuit Credit Karma provides valuable credit monitoring and financial advice, though it struggles with accuracy, excessive notifications, and login problems.

Head to head

Features & Functionality edge: VenmoR5R7R8R11
Venmo Venmo is praised for its ease in sending money to friends and family, with features like QR codes for payments and a debit/credit card that helps users manage spending R19. Users also appreciate the teen account feature R5. However, some wish for better business 'tap to pay' functionality R8, the ability to name bank accounts , and percentage contribution options in group payments . Negative feedback includes a confusing UI with large, unnecessary icons R7R11 and privacy concerns over public transaction feeds .
Intuit Credit Karma Intuit Credit Karma is valued for its credit monitoring, providing insights and guidance to improve credit scores . Users find it helpful for reviewing credit reports and tracking financial progress . However, there are requests for features like adding Israeli banks and manual debt tracking . Recent updates have made the home screen cluttered with ads and an unwanted AI assistant R94. Users also dislike the app constantly pushing them to take out more credit .
Ease of Use edge: VenmoR7R14R15R17
Venmo Many users find Venmo simple, easy, and quick to use for payments R15R17. The process of sending money is generally straightforward R19. However, some users report a poor website UI and functionality R7, describe the app as glitchy and not user-friendly , and have difficulty with account settings like changing phone numbers R14.
Intuit Credit Karma Intuit Credit Karma is generally considered easy to use as a companion to its website . However, recent updates have made the app's home screen a 'garbage mess' and less intuitive R94. Users also report issues with misclassified charges that require manual correction every time and an overwhelming number of personal questions .
Reliability & Performance tieR1R4R6R10
Venmo Venmo users frequently report critical reliability issues, including money being taken from accounts and then frozen R1R12R30R50, inability to send payments with error messages R4R6R10, and transfers not appearing in accounts . There are also complaints about debit cards not arriving or being sent to the wrong address and the app not working on newer iPhone models .
Intuit Credit Karma Intuit Credit Karma users experience significant issues with the accuracy and timeliness of credit score updates and reports R61R69R72R76. Many report misleading notifications about score changes R61R73. The app also has problems with accounts not connecting , misclassifying credit card payments as income , and general login failures .
Customer Support tieR1R10R12R16
Venmo Venmo receives overwhelmingly negative feedback regarding its customer service, described as 'terrible' R12, 'a joke' R16, 'non existent' , and unhelpful R1R10R12R16. Users report being given the 'run around' R1, waiting days for responses R12, and being unable to reach a human .
Intuit Credit Karma Intuit Credit Karma users also report significant issues with customer support, stating there's 'no real support' , 'no way to contact' them , and a 'lack of follow through' . Some users mention being 'ghosted' by support or being unable to get issues resolved .
Price/Value tieR9R16R19R24
Venmo Venmo is free to download and generally provides good value for peer-to-peer payments R19. However, users complain about the introduction of ads R9 and predatory notifications promoting prediction markets and gambling services . There are also complaints about random charges R16 and difficulties with refunds R24.
Intuit Credit Karma Intuit Credit Karma is free to download and offers valuable credit monitoring and advice . However, users are frustrated by excessive and misleading notifications that act as ads R61R73R93. There are also concerns about the Credit Karma debit card being a 'scam' that holds funds and issues with disputes .
Pick Venmo if

You frequently need to send or receive money quickly from friends and family, appreciate a simple interface for payments, and might benefit from a linked debit card R19.

Pick Intuit Credit Karma if

You are primarily looking to monitor your credit score, receive guidance on improving your credit, and want a tool to track your financial health .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both are heavily skewed negative, indicating a decline in user satisfaction or an increase in critical issues. Many negative reviews for both apps focus on reliability and customer service, suggesting these are widespread problems rather than isolated incidents. The free nature of both apps means that some complaints might stem from limitations or monetization strategies (ads, notifications) that paying users might tolerate less.

Frequently asked

Does Venmo have good customer service?
No, Venmo's customer service is frequently described as terrible, a joke, and non-existent, with users reporting long waits, unhelpful responses, and an inability to reach human support for critical issues like frozen accounts or missing funds R1R10R12R16.
Is Credit Karma accurate?
Credit Karma's accuracy is a significant concern for users, with many reporting that the credit scores and reports provided are false, misleading, or slow to update, often not reflecting recent payments or corrected information R61R69R72R76.
Why does Venmo freeze accounts?
Venmo users report that accounts are frozen for 'an issue with the transaction' or 'no valid reason' after money has been taken, often leading to users being unable to access their funds for days or weeks R1R12R30R50.
Does Credit Karma send too many notifications?
Yes, many Credit Karma users complain about receiving an excessive number of daily notifications, often described as misleading or acting as advertisements, pushing users to open the app or take out more credit R61R73R93R94.

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. [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!
  3. [R8] Venmo 5/5 · US I love Venmo: Wish the buisness tap to pay worked better but other then that no complaints
  4. [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
  5. [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
  6. [R15] Venmo 5/5 · US So easy, so good.: Love Venmo!
  7. [R17] Venmo 5/5 · US Easy: Love it
  8. [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
  9. [R4] Venmo 1/5 · US Sucks: It keeps sending error messages
  10. [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.
  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. [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.
  14. [R9] Venmo 3/5 · US Lose the ads…: Enough already- we didn’t ask for ads and don’t want them. Period.
  15. [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.
  16. [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.
  17. [R61] Intuit Credit Karma 1/5 · US Notifications: I always get notifications saying “your score went up!” Or “your score rose above …” but when I open it either hasn’t changed or it went down a point. Not complaining about my score, that’s my problem but please stop with the misleading notifications 😭
  18. [R69] Intuit Credit Karma 3/5 · US Meh: Not as good as MINT was. Net worth jumps around oddly for no apparent reason making it unreliable for trending.
  19. [R72] Intuit Credit Karma 3/5 · US Credit numbers are false.: They give u 2 credit agency’s numbers that are false. Don’t believe what u see.
  20. [R76] Intuit Credit Karma 1/5 · US Score: Score can drop by a big margin but only goes up one point
  21. [R30] Venmo 1/5 · US It was good till it wasn’t: They have been locking everyone’s accounts and freezing them for no reason it’s starting to get sketchy
  22. [R50] Venmo 1/5 · US Worst app ever: I have $2600 in my account and it is declining every transaction and no one can explain why. Worst customer service also
  23. [R73] Intuit Credit Karma 1/5 · US Too much: Credit Karma sends too many notifications on a daily basis. More importantly they provide misleading notifications that entice you click on the app. I received a notification that said ‘Equifax is registering an actionable item on your credit report in regard to said card’. It was complete b.s.
  24. [R93] Intuit Credit Karma 3/5 · US Notifications: They're too often.
  25. [R94] Intuit Credit Karma 1/5 · US update made app useless: the app has been rendered useless after the most recent update; the homescreen is a garbage mess. it wasn’t broken, why change anything? its also nothing but advertisements & fake notifications

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