This analysis describes what Venmo's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
A 180-day hold can leave a user without access to their Venmo balance for up to six months, and the trigger includes conduct by a Teen User associated with the account—not only the account holder's own actions.
The updated terms expand the arbitration clause to explicitly state that users agree to resolve 'most disputes by arbitration on an individual basis, a class action waiver, and a jury trial waiver.' The terms note that arbitration involves 'less discovery and appellate review than in court.' Additionally, Venmo's cash back rewards program has been restructured with specific tiered thresholds: users earn 1% baseline cash back, 2% if they spend at least $250 in a month, and 5% if they spend at least $1,500 in a month. Rewards are only applied to qualifying transactions with 'Bundle merchants' and exclude cash advances, gambling, wire transfers, cryptocurrency purchases, and certain financial institution transactions. If you return a purchase or receive a refund after earning cash back, Venmo states it may debit or withhold rewards to offset the amount. You must close your account before any changes become effective if you do not wish to be bound by them.
View change record →Venmo may make your account funds inaccessible for up to 180 days based on a reasonable judgment about liability risk or an Acceptable Use Policy violation by you or a Teen User on your account.
How other platforms handle this
If you fail to add funds to your SoFi Checking or Savings account, SoFi reserves the right to terminate your SoFi Plus benefits.
Violating any additional terms and conditions or these Terms may result in immediate termination of your free trial.
Twitch will without delay notify you of the reason for its action.
"Hold money in your Venmo account for up to 180 days if reasonably needed to protect against the risk of liability or if you or any Teen User has have violated our Acceptable Use PolicyExcerpt from Venmo's User Agreement
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
A 180-day hold can leave a user without access to their Venmo balance for up to six months, and the trigger includes conduct by a Teen User associated with the account—not only the account holder's own actions.
Venmo may make your account funds inaccessible for up to 180 days based on a reasonable judgment about liability risk or an Acceptable Use Policy violation by you or a Teen User on your account.
ConductAtlas has identified this type of provision across 276 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Venmo.