I only use it to get paid from an employer if there was another option I'd drop Venmo. I initiated a STANDARD transfer by accident so immediately I contacted Venmo to cancel or change the transfer to IMMEDIATE. It was less than 20min for me to get thru to an agent only for them to say they can not do anything bc they only have a few minutes to make changes & the funds to be available in 3-5 days. I was out of town and needed the funds immediately. Less than 10min I contacted them, for nothing.