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Just need to make a comment about my experience with Venmo. I have used PayPal for quite some time and added Venmo. It surprised me how people do not adjust their privacy settings, and I could see so many transactions. Then my account was debited twice on the same day for a payment of over $200. It was literally impossible to reach Customer Support, which I don't even think they have. After several weeks of trying, I finally reached out to my bank. I was able to get the transaction reversed, but that also took time for the bank to investigate. I closed my Venmo account. I've heard about Zelle and plan to look into it.