I have used Venmo without issue, but I heard you can transfer to yourself in CashApp. I needed to transfer between banks. It declined everytine I tried and customer service is misnomer. They kept saying "Let me know if there is anything else I can assist you with" which is a very annoying canned response when they HAVEN'T done anything to assist me. Whats the point of having customer service if all they can do is say "Sometimes it doesn't work. You need to use it more to build a history." Ha!