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Money you receive shows up instantly on your Venmo balance, but cashing out to a bank account takes one to three send money to someone with credit card days. Most of its services are geared toward business. TransferWise sends money from the U. If you find yourself owing friends — instead of them owing you — look into using debit cards instead of credit cards. You can use Zelle to send money directly from your bank account to any enrolled recipient in just minutes. If you like having a backup plan, you might benefit from keeping a line of credit open.