I don't like the "bucket" approach or Venmo's emphasis on linking to Facebook, so I don't have an account and use Square Cash or BofA transfers instead. I'm the

I don't like the "bucket" approach or Venmo's emphasis on linking to Facebook, so I don't have an account and use Square Cash or BofA transfers instead. I'm the exception though, I'd agree that the vast majority of my friends use it.