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Personal Finance · head to head

Mint vs Venmo

Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite
Venmo logo

Venmo

Personal Finance

Money transfer and social payments

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Venmo instant transfer costs 1.75 percent with a minimum fee of 0.25 USD and a maximum of 25 USD, while the free standard transfer takes 1 to 3 business days
  • They diverge on capability: Mint covers Expense tracking, Venmo covers Money transfers.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Mint and Venmo actually diverge.

Attributes where Mint and Venmo differ
AttributeMintVenmo
Founded20062009

Identical on both: starting price (Free), pricing model (free), free tier (Yes), platforms (Web, iOS, Android), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

Only in Venmo

  • Money transfers
  • Bill splitting
  • Social feed
  • Transaction history
  • Bank accounts
  • Debit cards
  • IOS support

Both cover

  • Web support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Venmo
  • Users transitioning to Credit Karma for continued money management featuresnot Venmo

Venmo

  • Splitting bills and reimbursing friends in the United Statesnot Mint
  • Accepting payments through a Venmo business profilenot Mint
  • Buying and holding cryptocurrency inside the payments appnot Mint

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

Venmo

  • Instant transfer costs 1.75 percent with a minimum fee of 0.25 USD and a maximum of 25 USD, while the free standard transfer takes 1 to 3 business days
  • Sending money funded by a credit card carries a 3.00 percent fee
  • Cryptocurrency fees are tiered by trade size, from 2.20 percent on purchases of 1.00 to 74.99 USD down to 1.50 percent above 1,000 USD
  • Business profile payments cost 1.9 percent plus 0.10 USD, and Tap to Pay costs 2.29 percent plus 0.09 USD

Pricing, plan by plan

Mint

Free

No published plan breakdown. See the Mint review.

Venmo

Free
  • FreeFree
    • P2P transfers
    • Bill splitting
    • Mobile app

Which should you pick?

Choose Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Choose Venmo if

  • You need money transfers.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want bill splitting.
Venmo review

Questions people ask

Is Mint or Venmo better?
Neither clearly leads. Mint starts at Free and Venmo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mint or Venmo?
Mint starts at Free and Venmo at Free.
Does Mint or Venmo run on more platforms?
Mint runs on Web, iOS, Android. Venmo runs on Web, IOS, Android.
Can I use Mint for free?
Both have a free tier, so you can try either at no cost before committing.
What is Mint best used for?
Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Venmo is typically brought in for.
What can Mint do that Venmo cannot?
Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Venmo covers Money transfers, Bill splitting, Social feed, Transaction history. Both handle Web support, Android support.

Answered from the vendors’ own pages

Mint: Is Mint still actively sold?

Mint has been reimagined on Credit Karma. The Mint website now directs users to check out the new platform on Credit Karma's net worth signup page rather than maintaining a standalone product.

Source
Venmo: Is there a monthly fee for the Venmo Debit Card?

No, the Venmo Debit Card has no monthly fee or minimum balance requirement.

Source
Mint: What pricing information is available on the Mint homepage?

The Mint page does not disclose pricing details. For current pricing information, users should visit Credit Karma's website or contact support directly.

Source
Venmo: Is there an annual fee for the Venmo Credit Card?

No, the Venmo Credit Card has no annual fee.

Source
Venmo: Are there fees when buying or selling cryptocurrency on Venmo?

Yes, when buying or selling crypto on Venmo, the company discloses an exchange rate and fees for each transaction. For non-stablecoin currencies, the exchange rate includes a spread that Venmo earns on each purchase and sale.

Source
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