[samstave]

I only use it to transfer money between myself and friends. The most time I've ever had to wait to get money from venmo to bank is 24 hours.

the longest I've had to wait from Paypal is 24 DAYS

[panorama]

This is a bit misleading - PayPal's 21-day hold only applies if you received the funds as payment for goods and services. Even in that case, the funds can be expedited to release in 3-5 days once the buyer marks the item as received. It's more for buyer protection than anything.

If you're in the US and receive money via a "Friends and Family" transfer, it's just as 'instant' as Venmo.