Square Cash may have less bloat and a far nicer UI, but it charges a percentage for instant deposit, while Venmo has a flat $0.25 fee. So when you don't want to

Square Cash may have less bloat and a far nicer UI, but it charges a percentage for instant deposit, while Venmo has a flat $0.25 fee. So when you don't want to wait three days to get the money to your bank account, you grit your teeth and use Venmo.