Venmo is a peer-to-peer, or P2P, money transfer app, similar to Cash App, Zelle and PayPal. It has two fees that can be avoided.

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Earn up to 3% cash back on your top spend category, 2% on the next, and 1% on the rest. No annual fee. Your card comes with your own unique QR code on the front, so it’s a snap to Venmo friends.

Fake Venmo accounts have been used in recent years to exploit donation drives for hurricane relief, animal shelters, medical ...