The Fiscal Femme Venmo Etiquette Survey

It’s easier than ever to split a meal or a vacation with a friend using apps like Venmo and Zelle. But with that ease comes a whole new microcosm of navigating money with friends and colleagues.

What’s worth requesting? When is it time to follow-up when a friend doesn’t pay you? We asked the Fiscal Femme community to share their cash app etiquette so we could learn from each other! 💵📱

Here are some of the highlights:

62% of you said you'd only send a Venmo request for $20 or more and 20% said you'd Venmo request for over $10
35% follow-up on a Venmo request after a few days and 39% said it depends on the amount
34% request exact change and 27% said it depends
57% said they'd talk about it with a friend who ghosted their request and 29% said they'd be annoyed
If someone sent a Venmo request for a first date 64% said they'd pay it but would not go on a second date
43% said they'd ask for more details if they got a suspiciously high Venmo request after a group dinner (57% said they'd feel to awkward and would just pay it)
58% immediately Venmo someone after they pay a group bill and 28% pay within a few hours
When asked for other advice? I received lots of recommendations to keep your Venmo activity private

You can see the full survey below.

In what scenarios would you like someone is being cheap?

If someone doesn’t tip or doesn’t include tip in the cost of their meal in the Venmo.
This is very personal. Someone might need the money. All of it. Right away.
If someone Venmo requested after a date without discussing it beforehand.

Are there any unspoken rules of Venmo requests you live by?

It’s not a loan. Send it immediately.
Make your transactions private.
I try to send money quickly so people don’t have to request it.
I live in Canada and am baffled you don’t have bank transfers.
Communicate before sending the request.