lol no it assumes a US account. it's not even listed in the app stores here. people mostly use bank transfers for everything since it's free and fast

Haha, yeah, US banking is pretty awful in terms of ease-of-use.

I don't use Venmo myself - I'm at a point where I'd rather just pick up the check that try to split it (using any method). And let me friends pick up the next meal.

I tend to find that Venmo is a bit redundant in the UK - feature-wise, I'm not sure that it does anything that the standard bank mobile apps can't do? (There's a standard person-to-person via mobile number payments system that most banks support & integrate into their apps (https://en.wikipedia.org/wiki/Paym)).

That's nice. I wish US banks would do something like that, so we don't have to rely on 3rd party apps. But, they couldn't even roll out chip & PIN properly.