¹When you buy or sell cryptocurrency, an exchange rate and any fees you will be charged for that transaction will be disclosed to you. The exchange rate includes a spread that Venmo earns on each purchase and sale. The transaction fee will be 0% only when using the automatic purchase feature to use Venmo Credit Card cash back rewards.

Trading cryptocurrency is subject to a number of risks and may result in significant losses. Venmo does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. All custody of and trading in cryptocurrency is performed for Venmo by its licensed service provider, Paxos Trust Company, LLC.

Buying, selling, and holding cryptocurrencies is not regulated in many states, including the State of California. Venmo is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling and holding cryptocurrency with Venmo is not available in Hawaii and where prohibited by law. Synchrony does not provide, recommend, or take responsibility for the cryptocurrency program.

²Cash back rewards are available on all eligible purchases: earn 3% in the eligible top spend category, 2% in the second eligible top spend category, and 1% on all other purchases. Use of cash back is subject to the terms of your Venmo account. Review the Venmo Credit Card Rewards Program Terms for more information.

The Venmo Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc. VISA is a registered trademark of Visa International Service Association and used under license.

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Venmo is a service of PayPal, Inc. ("PayPal"), a licensed provider of money transfer services. All money transmission is provided by PayPal pursuant to PayPal's licenses. PayPal's NMLS ID is # 910457.

GEORGIA: PayPal, Inc., is licensed by the Georgia Department of Banking and Finance, License # 34967.

MASSACHUSETTS: PayPal, Inc., holds Massachusetts Foreign Transmittal Agency License # FT3345.

NEW YORK: PayPal, Inc., is licensed as a Money Transmitter by the New York State Department of Financial Services.

PENNSYLVANIA: PayPal, Inc., is licensed to Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania.

RHODE ISLAND: PayPal, Inc., is a Rhode Island Licensed Seller of Checks and Money Transferor.

CONNECTICUT: PayPal, Inc. is Licensed by the State of Connecticut Department of Banking to perform Money Transmission, NMLS #910457, License Number MT-910457.

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