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Venmo

Venmo

PayPal, Inc.

Venmo is the fun and easy way to pay and get paid.

4.9 Ratings 11M+ Reviews 10M+ Downloads
Featured on Must-Have Apps for Personal Finance for Beginners

About Venmo

Venmo is the fun and easy way to pay and get paid.
see more about Venmo

Ratings & Reviews

4.9
11.2M+ Ratings
  1. 5
    91+%
  2. 4
    6+%
  3. 3
    1+%
  4. 2
    0+%
  5. 1
    1+%
Write a Review
  • Overall Good Experiences for Years Jan 17, 2021

    By Alfred Lover
    My identity was recently stolen and I am waiting for a new debit card in the mail. That incident rendered my current debit card useless until the new one arrives. Because my bank account is attached to my Venmo account, I am able to transfer funds from my bank account directly to my Venmo balance, then use my Venmo card until my new debit card arrives. It made transactions very convenient, and with Venmo rewards I was able to earn almost $5 back after using my Venmo card at Walgreens. That was pretty cool. I love the convenience of Venmo and the fact that many of my friends have it makes it easy to pay people for miscellaneous purchases or goods/services. I recommend Venmo and have been pleased with the app so far. I have had an account for at least a few years now and have never had any huge issues. One time, I did pay someone and they scammed me, but because of Venmo’s policies I wasn’t able to get the money back. I own my mistake and realize that it’s not Venmo’s fault that I was scammed. I do wish they had some better options (like refunds, or at least partial refunds) for people like me who get scammed and don’t realize it until the transaction has been processed. Other than that, I will still continue to use this app and recommend it to others because of its convenience.
    more
  • Jan 25, 2021

    By D Thorne
    I like the app. However, the problem arises if there is a wrong payment to the wrong person because of an outdated email address or the person states the email is theirs when it is not. Once you have paid the wrong person, you can not take back the payment. Now it becomes an issue between the two of you. One can only hope that the other person will do the right thing. Or just send a test amount of one dollar to see if they get it before sending the full amount. Also, no contact info at V
    more
  • Was good-they Dont support joint accounts Feb 7, 2019

    By uihhkmbs
    They were great. Until I was had to change my bank to my husbands because we’re married. I tried to add my bank account but it wouldn’t let me. I contacted Venmo they that since my husband already was connected to our checking I couldn’t. They only allow one Venmo per checking account. They said I would have to add my debit or credit card which they will take 1% for debit charges and 3% for credit. I use Venmo more than my husband so we decided I would link my Venmo to the checking account and he would link his account to our debit card. He deleted the checking account but it still wouldn’t let me link to checking. Contacted Venmo again and they said that even though he deleted the bank, he still is linked to the account until he calls them himself to “release” his account.. suspect. My husband is a marine so he isn’t home often. He was out in the field at the time so I had to wait til he was home. But when he gets off work, they’re customer service is closed. This has been so ridiculous. Does everyone else know that their bank account stays linked even after they delete it.. doesn’t seem very cool.
    more
  • Jan 20, 2021

    By John Jason Williams
    Great app. As far as I'm concerned, it's PayPal's better half. Like eBay, I refuse to use paypal anymore. So they froze my account when it had money in it... What a joke. Cash app does this too.. venmo is awesome all around. For collecting payments, sending payments, using their free atm at selected locations is awesome. They cash checks, store and program promotional offers... You can't beat it. This and chime is all I need. No PayPal or cash app. No standard bank. I'm set.
    more
  • Jan 25, 2021

    By Space Poodle
    This is way more convenient than cash transactions and that way if somebody owes me money or if I need extra funds from Mom or Dad it's way easier than seeing them in person I've only had like one or two glitches with it and it's super easy to keep track of the payments that have been paid or you've paid. I would double check to make sure you pay in the right person but even then venmo will be like are you sure you want to pay this person so all in all pretty good I like it better than cash app
    more
  • Jan 21, 2021

    By Spencer Musgrove
    After viewing the venmo debit card the app forced me to complete the entire process to get one without giving me an option to cancel. Then my account was frozen 3 months because I needed to verify my identity for a debit card I did not want. I reached out to support and waited weeks for a response and was always told that my case needed to be sent to another team. My account had since been suspended for "violation of agreement" and they can't tell me why. Terribly app and even worse service.
    more
  • They lie to you Apr 1, 2020

    By alanaalexis
    I have never had any problems with this company/app but today really changed all of that. I wanted to add money to my account to cover some charges so I transferred almost $90 from my bank account to my Venmo account. If you have used this app before you know when you make a payment to someone the money comes out of your bank the next day. I checked my bank account and it came out so I check Venmo and it doesn’t show up. I talk to customer service on the chat, over email, and on the phone. Over chat and email they tell me it is run as an ACH transfer and takes 3-5 business days to show in my account. I work in a bank with these types of transfers and they never and I mean NEVER take 3-5 days. They take one at the most two days. Furthermore it was not run as an ACH transfer it was run as an auto debit (as if I swiped my debit card). I asked multiple times why I was being lied to and no answers just a run around. The girl at customer service on the phone was really trying to help me but she just didn’t have any information. I don’t know if she was new or if they just don’t care enough about their customers and employees to give them info and training to be able to help people. Don’t EVER put money in your Venmo account. Wait for them to take it out of your account after you transfer it/make payments. They will take your money then lie to you and hold it for as long as they can get away with it.
    more
  • Jan 19, 2021

    By David Kim
    The app crashes when you try to set up AutoPay for the Venmo credit card if you don't have any statements yet. That's poor UX on the devs' end. Instead of crashing that app due to an exception, why not handle it and either show an error message, or allow AutoPay to be set up regardless? Edit: Nope. Tried reinstalling it, same problem. I'd guess it's a null pointer exception or something similar. I'm not gonna bother reaching out via email because I've already called customer support for this...
    more
  • wish I could give zero stars Aug 5, 2019

    By breiannmavraedis
    I have money that was sent to me for bills on my Venmo and when I tried sending it to my bank it immediately locked me out and said my account is frozen... I’m not sure why but it won’t even let me do anything from this point in my account. I went online to your “help” page and followed the instructions for a frozen account... it ended up being a dead end. I then called customer support and they wouldn’t even tell me the issue with my account, just said it’s going to take 5-7 business days for an “account specialist” to look into my account. I don’t mind that, all I asked was if I could send that money back to the original sender or just cancel that payment. They said once a payment is sent through there’s no way to get it back to the sender, not even through customer support. So basically I have money sitting in my account and I can’t even touch it because my account is frozen? And they won’t allow me to speak with anyone before the seven business days. Absolutely shocked and mortified with this apps customer service skills. Very obvious that they don’t care about their customers experience and they have zero safeguards for protecting the financial aspect of this app. There should be some way to send that money back to the sender so I’m not sitting here waiting for nearly two weeks just to access those funds, or allow me to speak to an account specialist over the phone. Once this situation is handled I’m never using this app ever again.
    more
  • Jan 19, 2021

    By Joseph Kim
    There is no easy or straight forward way to stop getting feeds about other people's payments. For this reason only this app gets 1 star. Terrible app for privacy. Re: response from the developer below clearly admits not having any way of turning off feeds from your friends. That's a very unfortunate decision made by the company. Please prioritize giving more control to the consumer.
    more
  1. Easy and fun way to share payments and purchases with friends or at millions of retailers on mobile web
  2. Personalize your transactions for bills and utilities with emojis, and “like” or comment on friends’ payments
  3. User-friendly with a simple design that makes it easy to link accounts and cash out to your bank

Reviewed by Laura S on February 1, 2018

  • Overall Good Experiences for Years Jan 17, 2021

    By Alfred Lover
    My identity was recently stolen and I am waiting for a new debit card in the mail. That incident rendered my current debit card useless until the new one arrives. Because my bank account is attached to my Venmo account, I am able to transfer funds from my bank account directly to my Venmo balance, then use my Venmo card until my new debit card arrives. It made transactions very convenient, and with Venmo rewards I was able to earn almost $5 back after using my Venmo card at Walgreens. That was pretty cool. I love the convenience of Venmo and the fact that many of my friends have it makes it easy to pay people for miscellaneous purchases or goods/services. I recommend Venmo and have been pleased with the app so far. I have had an account for at least a few years now and have never had any huge issues. One time, I did pay someone and they scammed me, but because of Venmo’s policies I wasn’t able to get the money back. I own my mistake and realize that it’s not Venmo’s fault that I was scammed. I do wish they had some better options (like refunds, or at least partial refunds) for people like me who get scammed and don’t realize it until the transaction has been processed. Other than that, I will still continue to use this app and recommend it to others because of its convenience.
    more
  • Was good-they Dont support joint accounts Feb 7, 2019

    By uihhkmbs
    They were great. Until I was had to change my bank to my husbands because we’re married. I tried to add my bank account but it wouldn’t let me. I contacted Venmo they that since my husband already was connected to our checking I couldn’t. They only allow one Venmo per checking account. They said I would have to add my debit or credit card which they will take 1% for debit charges and 3% for credit. I use Venmo more than my husband so we decided I would link my Venmo to the checking account and he would link his account to our debit card. He deleted the checking account but it still wouldn’t let me link to checking. Contacted Venmo again and they said that even though he deleted the bank, he still is linked to the account until he calls them himself to “release” his account.. suspect. My husband is a marine so he isn’t home often. He was out in the field at the time so I had to wait til he was home. But when he gets off work, they’re customer service is closed. This has been so ridiculous. Does everyone else know that their bank account stays linked even after they delete it.. doesn’t seem very cool.
    more
  • Jan 20, 2021

    By John Jason Williams
    Great app. As far as I'm concerned, it's PayPal's better half. Like eBay, I refuse to use paypal anymore. So they froze my account when it had money in it... What a joke. Cash app does this too.. venmo is awesome all around. For collecting payments, sending payments, using their free atm at selected locations is awesome. They cash checks, store and program promotional offers... You can't beat it. This and chime is all I need. No PayPal or cash app. No standard bank. I'm set.
    more
  • Jan 16, 2021

    By Jennifer Dennett
    The app is designed extremely simple.... Sometimes less is more, in this case😉 Very easy to use and is also very reliable. Just the right app, for people just starting out, not very familiar with technology, with their new smart phone. You can also choose the color of your card with the multiple choices they give you🙂 I'll definitely recommend this app to friends, family and, especially, too anyone reading my review 🙂😉 Stay Home and Keep Safe😷😷😷😷
    more
  • Jan 19, 2021

    By s t
    very handy way to more quickly and more frequently make cash transfers with people. Esp. helps family members more accurately maintain balances between each other. Thus we don't procrastinate, trying to remember all the accumulated puts and takes, then later trying to accurately calculate pay the totals we come up with. Easy-peasy, to setup and use... as long as you have a DEBIT card to use, not a CREDIT card, AND can count on needed account balance in the debit account.
    more
  • Jan 25, 2021

    By Space Poodle
    This is way more convenient than cash transactions and that way if somebody owes me money or if I need extra funds from Mom or Dad it's way easier than seeing them in person I've only had like one or two glitches with it and it's super easy to keep track of the payments that have been paid or you've paid. I would double check to make sure you pay in the right person but even then venmo will be like are you sure you want to pay this person so all in all pretty good I like it better than cash app
    more
  • Great New Gossip Feeder Nov 8, 2020

    By Staplesque
    It’s super nice that they make transactions public by default unless you change your settings!!! I got off all social media but can still tell which of my friends are in a relationship based on the Venmo transactions I see going between them. Though honestly, it’s a bit much to have to know that two dudes I went to school with years ago are paying each other back for toilet paper and pizza every week. Why do I even have all these Venmo friends? I never chose them consciously. Being serious though, it’s a very handy, easy-to-use app and becomes more and more convenient as more individuals and businesses start using it. I buy groceries at the farmer’s market, receive payments for dog sitting, etc. all through Venmo... for free! I still don’t know how it’s a sustainable business model for Venmo, but it’s awfully nice for me. And splitting checks at a restaurant or whatever is amazingly simple now... gone are the days of your distant acquaintance saying, “I’ll pay you back when I get a chance to grab cash from an ATM,” and then conveniently forgetting for the rest of her life. Just look her in the eye and state your Venmo handle right from the restaurant table so she has no excuse!
    more
  • Much easier to use than writing a paper check. Dec 30, 2017

    By sushichick66
    Very easy to use money transferred instantly. Much easier than writing a traditional check. I believe Venmo is also PayPal. I took away one star due to privacy. When you sign up it automatically uploads all of your contacts in your phone without warning. It also connects to social media like Facebook. Once you've registered you can change these privacy settings, so be aware to go to settings immediately if you don't want all of your contacts who use Venmo to see your transactions. Also for each transaction you can select if you'd like your friends, the public to see Who you've paid, minus the amount. You can also set each transaction to private. Personally, I don't understand why it's anyone else's business who you pay for what kind of service. It's a Bizzarre concept to me, but then I don't live my life through social media. I am only using Venmo as a form of payment, like cleaning services. Still, it's easy to use and convenient. Just make sure to check Settings before you start transactions unless you want all of your friends, Family and coworkers to know what you're up to.
    more
  • Really handy - a few issues Sep 3, 2018

    By handsomejex
    I use this app a ton and im a huge fan. One thing that enraged me though is that they’ll sometimes keep your money hostage when you try to pay someone , adding in layers of verification requirements while possibly collecting interest on the sums held up- they don't notify the sender that the money they sent was unclaimed allowing the sender to choose an alternative payment channel - I learned from a young homeless woman who had a Venmo account who i sent money to for train fare, that they would not allow her to accept what I sent. I consider this to be abusive of their fiduciary role. I want them to fix this and make it easier for people in her situation to access funds to be able to improve their situation or make it clear to the person who sends money that the money never reaches the intended recipient. I would give them fewer stars for this issue, but i find for regular use with established contacts it works well. I wish i had the option to preschedule payments or set regular payments. I also wish that my venmo balance would apply to my payment when the amount exceeds the balance- instead of sitting there!
    more
  • So close to 5 stars, but as in the real world Apr 29, 2020

    By SGTMCLAIN
    Just like in the real world, when you mess up, that’s usually what is remembered... When you tell customers that have your Venmo Card (physically in hand for purchase everywhere MasterCard is excepted) that when you make a purchase “we always use card balance first then reload it from attached bank in $10 increments to cover additional amount if card balance not sufficient” then that’s how you should always do it.. I made a purchase while having more than half available on card balance yet they took full amount from other Payment method and when I asked why, they sent a bunch of emails trying to convince me that that’s how they have always done it, and on same day send me purchase Reciepts where it says “your Venmo balance wasn’t sufficient to cover purchase so we added from your bank to cover difference” Lol, so you get 4 stars until you can stop emailing me with excuses and acting like I’m in the wrong ... it wasn’t a big deal to me until you replied telling me “that’s how it works”... 😉
    more
  • Jan 25, 2021

    By D Thorne
    I like the app. However, the problem arises if there is a wrong payment to the wrong person because of an outdated email address or the person states the email is theirs when it is not. Once you have paid the wrong person, you can not take back the payment. Now it becomes an issue between the two of you. One can only hope that the other person will do the right thing. Or just send a test amount of one dollar to see if they get it before sending the full amount. Also, no contact info at V
    more
  • Jan 25, 2021

    By Katie Gienger
    Easy but not secure. When paying strangers (such as for things purchased on Facebook Marketplace), most people send a screenshot of either their Venmo name or their QR code. Of course you can't scan a QR code on your own screen, which means you still have to manually enter their name. Too much room for error and scams! Venmo should make it easier to send links to ensure the right people are getting paid.
    more
  • Jan 15, 2021

    By Christopher Lantero
    Been using Venmo for a number of years now and it's always been very convenient. That said, the app has somehow become continually worse over that same period. Constantly hangs and freezes to the point where I occasionally have to restart my phone. The UI and function isn't that complex so I'm not sure how this is even an issue in 2021 yet here we are.
    more
  • Unable to Add Debit Cards to Venmo Account Mar 11, 2019

    By getthef0rk0ut
    Today I downloaded the Venmo app and set up my account. I was so excited to start using this app, as everyone I know uses it and raves about how much they love it. After repeated attempts (about 12) to add either of my two VISA debit cards to my Venmo account, and receiving the same error message each time (you can’t use this card in Venmo, try another card), I’ve given up hope that I will ever be able to connect either of these cards to my account, and therefore it’s unlikely that I’ll ever desire to use this app. I do not wish to connect my Venmo account to my bank, I refuse to use a credit card and incur the 3% charge for each transaction, and I’ve verified that my primary debit card is not connected to my PayPal account. I’ve read through the FAQ section, tried every bit of troubleshooting I can think of, and still I am extremely disappointed that Venmo is not the easy, convenient app that everyone says it is. I wish it were actually possible for me to at least connect my primary debit card to my Venmo account, but I guess it’s not meant to be. 1/10 would not recommend ☹️
    more
  • Sometimes it’s fantastic other times 🙄 Jan 25, 2020

    By pgwayne
    I have had money frozen or inexplicably disappear. I have recently had pieces of digital media (expensive Windows 10 apps) that are non-subscription based, after spending literally DAYS worth of real-world hours on them and going as far as paying for extra add-ons on said apps suddenly appear as “disputed purchases” literally multiple months after the fact inexplicably. I cannot recoup these funds, time, energy, nothing; not can I get an adequate explanation. Things like this are entirely unacceptable. Worst of all are some “instant transfers” that are inexplicably rejected for vague reasons. I end up having to send the money via Venmo for a fee (outrageous!) and have them take the cash out for me IF it isn’t “frozen” for some nonsensical reason of “suspicion.” It’s my money, you get your service fees, stop with the nonsense. You are literally screwing with people’s livelihood. There are MANY other services offering the same thing as Venmo where none of this happens. Sincerely, a beyond frustrated Venmo user.
    more
  • They lie to you Apr 1, 2020

    By alanaalexis
    I have never had any problems with this company/app but today really changed all of that. I wanted to add money to my account to cover some charges so I transferred almost $90 from my bank account to my Venmo account. If you have used this app before you know when you make a payment to someone the money comes out of your bank the next day. I checked my bank account and it came out so I check Venmo and it doesn’t show up. I talk to customer service on the chat, over email, and on the phone. Over chat and email they tell me it is run as an ACH transfer and takes 3-5 business days to show in my account. I work in a bank with these types of transfers and they never and I mean NEVER take 3-5 days. They take one at the most two days. Furthermore it was not run as an ACH transfer it was run as an auto debit (as if I swiped my debit card). I asked multiple times why I was being lied to and no answers just a run around. The girl at customer service on the phone was really trying to help me but she just didn’t have any information. I don’t know if she was new or if they just don’t care enough about their customers and employees to give them info and training to be able to help people. Don’t EVER put money in your Venmo account. Wait for them to take it out of your account after you transfer it/make payments. They will take your money then lie to you and hold it for as long as they can get away with it.
    more
  • Jan 19, 2021

    By David Kim
    The app crashes when you try to set up AutoPay for the Venmo credit card if you don't have any statements yet. That's poor UX on the devs' end. Instead of crashing that app due to an exception, why not handle it and either show an error message, or allow AutoPay to be set up regardless? Edit: Nope. Tried reinstalling it, same problem. I'd guess it's a null pointer exception or something similar. I'm not gonna bother reaching out via email because I've already called customer support for this...
    more
  • Constant issues with Venmo freezing my money May 14, 2020

    By Shaktigoddess
    They’re holding money paid to me by friends of about 183$. I tried transferring to my bank account and it shows my account is frozen. I can’t transfer it my account and can’t pay someone off the limbo balance. I’ve contacted customer service, email, live chat, read all the preprinted information which doesn’t help since all those are about money owed. This is money for me that’s just sitting there. I’ve sent them a copy of my drivers license to show it’s me. Signed up in Facebook where I only have one account. It’s still saying to contact customer support! What else am I supposed to do. It’s signed up to a new bank account at a credit union. So I correctly entered the routing number and proper account. It’s still frozen. No answer. My account is verified through email. We are at a stand sat I’ll since January. I just want my account open and give me my money. So I ask my friends if it came back to them? Pay me again but in cash? I don’t know what to do at this point but I’m losing money because nobody can pay me in Venmo. So many dinners where nobody has cash so we all Venmo. I’ve lost money friends are trying to reimburse me. I never see it because....my account is still frozen. Since January. 😑 my bank can’t speak to third party and it’s not my bank with the issues.
    more
  • Convenient but still frustrating Feb 24, 2020

    By FrustratedHerm
    Venmo is a convenient money sharing app since it’s the one most people use but man oh man does it have some serious hang ups. It automatically shares your transaction history with all of your friends. It pulls these friends from Facebook and your phone and makes that list public as well. So anyone of those people can see everyone you know and who you’re paying for what. Also as far as I have found there’s no way to turn off the friends feed or make your personal history your home feed. It defaults to the friends one meaning every time you open the app you see an endless list of your mild acquaintances’s financial transactions. Rachel from high school must be getting married cuz she just Venmoed a wedding photographer and a dj. Your old coworker Tom just paid someone you’ve never heard of for burritos. Carol just paid Jennifer for some wine. Good for them. Glad they’re still having that wine Wednesday. But like who is this for? I hate it. I just wanna slip my friends some money when they grab me food or pay my portion of the rent without going to the bank. Who wants to see how their friends are spending their money? Why even mix the social aspect into it? Get it I guess cuz cash is so last decade or whatever but be prepared to find it as annoying as any other social networking site.
    more
  • Jan 14, 2021

    By Merc III
    Unfortunately my very first (very time-sensitive) transaction wouldn't go through as it was flagged internally by Venmo for no reason. The customer service rep explained that there was no explanation as to why my account was automatically flagged and that there was nothing they could do nor could they give me a timeline for the system to fix itself. At the end, they suggested we use another payment platform. I appreciate their honesty so they get a star for that.
    more
  • Jan 21, 2021

    By Spencer Musgrove
    After viewing the venmo debit card the app forced me to complete the entire process to get one without giving me an option to cancel. Then my account was frozen 3 months because I needed to verify my identity for a debit card I did not want. I reached out to support and waited weeks for a response and was always told that my case needed to be sent to another team. My account had since been suspended for "violation of agreement" and they can't tell me why. Terribly app and even worse service.
    more
  • wish I could give zero stars Aug 5, 2019

    By breiannmavraedis
    I have money that was sent to me for bills on my Venmo and when I tried sending it to my bank it immediately locked me out and said my account is frozen... I’m not sure why but it won’t even let me do anything from this point in my account. I went online to your “help” page and followed the instructions for a frozen account... it ended up being a dead end. I then called customer support and they wouldn’t even tell me the issue with my account, just said it’s going to take 5-7 business days for an “account specialist” to look into my account. I don’t mind that, all I asked was if I could send that money back to the original sender or just cancel that payment. They said once a payment is sent through there’s no way to get it back to the sender, not even through customer support. So basically I have money sitting in my account and I can’t even touch it because my account is frozen? And they won’t allow me to speak with anyone before the seven business days. Absolutely shocked and mortified with this apps customer service skills. Very obvious that they don’t care about their customers experience and they have zero safeguards for protecting the financial aspect of this app. There should be some way to send that money back to the sender so I’m not sitting here waiting for nearly two weeks just to access those funds, or allow me to speak to an account specialist over the phone. Once this situation is handled I’m never using this app ever again.
    more
  • Jan 19, 2021

    By Joseph Kim
    There is no easy or straight forward way to stop getting feeds about other people's payments. For this reason only this app gets 1 star. Terrible app for privacy. Re: response from the developer below clearly admits not having any way of turning off feeds from your friends. That's a very unfortunate decision made by the company. Please prioritize giving more control to the consumer.
    more
  • Venmo is a horrible company Feb 19, 2020

    By Kevin.Christopher
    There are so many issues with Venmo it’s completely ridiculous. Their app is a complete joke. Every transaction I’ve ever done has had issues. Basically you get a generic error that says it’s your bank that’s the problem and that they are rejecting the payment. Which is completely untrue. That happens like 20 times and then randomly on that 21st time it goes through an hour or two later. The customer service is the worst I’ve ever seen. They deactivate accounts without giving a reason or even attempting to contact the account holder first. They just deactivate the account and say we are not going to give you a reason (claiming that this is to protect their other users because knowing why is somehow a security risk). They don’t even let you respond. “If you have any questions on this decision, this matter is closed and we can’t help you”. All the funds in the account they put under hold and you will likely never see them again. They are basically a bunch of thieves taking money from good people who made valid transactions that they deem invalid for their own made up reasons that they don’t want to share. When they see an opportunity, they cash in. I could keep going on with their bad business practices but my advice to anyone is just stay away. I personally wish I had never used their service, if you can use something else. Unless of course you like throwing your money in the trash or burning it.
    more
  • Jan 20, 2021

    By Jake Long
    I just wish you would add a security question in case your phone gets stolen. If you have a pin all they got to do is Uninstall the app and reinstall it and the pin is gone. BTW they can do forget password, call their friend, get your number and you send them a reset password link. A simple security question to change the password would be nice to stop theft
    more

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