Terrible. I have over 20 plus online banking accounts and venmo is the worst I have ever seen in my entire life. I've opened up two accounts one recently and one in the past and both accounts they have Frozen literally within the first 48 hours of opening them after I received money and not only that cards anywhere they just held on to it and when I called in they said oh well there's a red flag and in our system and so we can't release it for a few weeks it literally screwed me.