Varo Bank: Mobile Banking 4+

No monthly fees & save money

Varo Money inc

    • Free



Join the first all-digital bank in the country!

Varo Bank Account: Rated 4.5/5 stars by Nerdwallet
• Forget monthly fees and minimums
• Get paid up to 2 days early^
• Send and receive money fast and free with Zelle®^^
• Get a contactless Varo Bank Visa® Debit Card you can instantly lock in the app
• Access 40,000+ fee-free Allpoint® ATMs in stores like Target, CVS, and Walgreens^^^
• Instantly send money to anyone who uses Varo
• Track spending and account activity with instant alerts
• Link external accounts to see all your finances in one place
• Transfer money to and from external accounts

Varo Believe: Credit building*
• Get a credit building credit card with no minimum security deposit once you qualify
• Build credit with everyday purchases while avoiding runaway debt
• No Annual Percentage Rate (APR) and no annual fee

Varo Advance: Cash advance
• Borrow $20 - $250 once you qualify^^^^
• $20 advances have no fees
• Cover bills or any unexpected expenses

Cashback and partner offers
• Get up to 6% cashback when you use your Varo cards at select brands.**
• Take advantage of partner offers to save and earn even more

Varo Savings Account: Rated best online savings account by Newsweek
• Watch your money grow with a high-yield savings account
• Use automatic savings tools to save money effortlessly
• No minimum balance required to open an account, minimum balances to earn interest apply

Varo Security
• Get reimbursed for unauthorized transactions with Visa Zero Liability***
• Securely lock and unlock your debit card if you misplace it
• Your data is protected with advanced encryption, access control, secure processes, and audits

Download Varo today! Applying won’t impact your credit score.

^We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

^^Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. There are no fees to send or receive money with Zelle® at Varo. Message and data rates from your mobile service provider may apply. Visit for eligibility and more information.

^^^There is no fee to use any U.S.-based Allpoint® ATM. Varo charges a $3 fee for cash withdrawals at all non-Allpoint® (out of network) and all international ATMs. Additional third-party fees may be assessed by the ATM owner. All ATM fees will be charged to the Varo account used for each transaction.

^^^^Varo Advance is a small dollar line of credit. Qualifications apply, including direct deposits to your Varo Bank Account. Visit

*Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. Building credit may take time and Varo Believe may be able to help when you consistently make on-time payments.

**Individual offers may vary. Automatically get cash in your Varo Bank Account every time you reach $5 in cashback. Cashback available on specific items or services purchased with your Varo Debit Card and Varo Believe Card at select brands.Offer details may vary, see the Perks tab for more details and current deals. The maximum Cashback that can be earned is fifty dollars ($50 USD) per calendar month.

***You must notify Varo Bank immediately of any unauthorized use. For specific restrictions, limitations, and other details, please contact Varo Bank.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

© 2023 Varo Bank, N.A. All Rights Reserved. Member FDIC.
The Varo Visa® Debit Card and the Varo Believe Card are issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.

What’s New

Version 3.14.0

We're making some changes to modernize the look & feel of the Varo app—with more updates on the way. Pardon our dust while we spruce up the place. As usual, this release also includes bug fixes & performance enhancements. Keep sending us your feature suggestions by going to My Varo -> Help -> Suggest a feature.

Ratings and Reviews

4.9 out of 5
145.2K Ratings

145.2K Ratings

Silver_Swirls ,

Long time using

I’ve been using Varo for a few years now and I haven’t had any issues with them. The let borrow any money to pay bills or advance time and you could build that up and raise your limit as long as petite pay them back on time. Once you don’t pay them know that they don’t allow each while any money more they cut you off, but after about a year now I say they want to stand allows the option to be able to do that starting back down at just $20 but as I pay that off every time I borrow it then he’ll reset again,Which is pretty cool.
They also offer a credit card options , it’s like secured credit card. you can put money on it and then they paid on time for you every month to help raise your credit Score. I always to take my money from my savings account. That way I can sit there and then move it to my regular account. Which is my debit card account and then from there I move it to my credit card I have time I make a purchase I used to be pretty and so far is raise my credit score up month after month. This last month alone it has route seven points. So if someone who is looking for a way to raise your credit score, but your dad and be able to borrow money, will they pay the interest on your savings account.

AnneBeebanannie ,


I have nothing but positive things to say about Varo. I absolutely love this bank!! They are there for the people who literally live from paycheck to paycheck and cover for me if the need be. Every other bank I had stole so much of my money from me!! It actually sickens me to calculate the expenses that they sucked from me in overdrafts and even extra overdraft fees on top of the $35 every single time I needed them to be there for as a valued customer who banked with them for years. Not once in 10 years did they help me. The worst part is I now know how badly they treated me by holding my money for weeks at a time holding back my government benefits every month for 10 years. It’s unethical and wrong to treat anyone that way charge me an overdraft fee when you have had my money when I needed it most and charged me over and over and over the figure comes up to several thousand dollars when I actually saw what they had so unfairly done to me by switching to Varo holy cow praise Jesus they have treated me more than fair and I will always give VARO praise. Thank goodness you showed me what the old bank had been doing to me I am so glad I switched to Varo they are the best bank and their customer service over the phone is outstanding. Like I said in the beginning I have nothing but praise to say about this bank Varo is the best bank I ever had!!!! VARO ROCkS

BabySweetieBear ,

Great banking, non-existent customer service

I’ve been a member of Varo for 2 years, and have to say that since it’s become Varo Bank, getting through to customer service seems impossible.
With the old Varo, I had nothing but excellent customer service. They always answered the calls or emails. I’ve been trying to get through to customer service for a week now, but no luck 😑
I start calling each morning at 8:00 when they open for business. There’s no wait time mentioned then, but no one answers. I’ll wait for an hour, then am told by the automated system that the wait time is less than 15 minutes. Um, no. It’s more like an hour. I don’t stay on beyond that. When called after 10:00 am, the estimated wait time is “ greater than 60 minutes “. Ugh. I just want to find out some important ( to me) information about a direct deposit that seems to be floating around in my old account. Emails aren’t answered either.
Their inefficiency has become my problem, and there’s no way to get in touch.
I hope someone from Varo bank reads this and makes it right. I don’t like being disappointed in Varo!

Developer Response ,

We’re very sorry for the long hold times recently. We’re currently experiencing extremely high volumes. We understand the importance of contacting customer support and are eager to assist with your request. We appreciate your patience during this time. Please remain on the line or contact us at!

App Privacy

The developer, Varo Money inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contacts

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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