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 a contactless Varo Bank Visa® Debit Card you can instantly lock in the app
Get paid up to 2 days early^
Access 55,000+ 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 debt
No Annual Percentage Rate (APR) and no annual fees

Varo Advance: Cash advance
Borrow up to $100 once you qualify^^^
Cover unexpected expenses

Perks: 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.

^^There is no fee to withdraw money from any Allpoint® ATM. There is a $2.50 ATM cash withdrawal fee assessed by Varo Bank for all non-Allpoint® ATM transactions (out of network transactions). The ATM operator may also charge an additional fee.

^^^Varo Advance is a small dollar line of credit, which must be repaid. Qualifications apply, including direct deposits to your Varo Bank Account. Visit for more information.

*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.

© 2022 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 2.37.0

Soooo....what is up? Whats the 411? What has everybody been up to? What's the hot gossip? Tell me everything. What have you guys been listening to? What are the cool jams? We're over here just fixing bugs and making performance enhancements. Keep sending your feedback and questions to!

Ratings and Reviews

4.9 out of 5
88.8K Ratings

88.8K Ratings

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!

KoreanQueen25! ,


It doesn’t make sense that you have to make 1,000 dollars within 30 days in order to use the advance feature which lets you borrow money until pay day but if I was making 1,000 a week or could have it within 30 days I wouldn’t be borrowing money from you all that really makes the feature pointless to those who really need it it doesn’t make sense nor does it seem fair especially to a loyal customer who’s been with you all for a while and never let my account go into the negative until I recently was told I had to make 1,000 within 30 days to even be qualified for an advance. I really thought about just closing my account because of that simple inconvenience being that it was the only reason I had started with Varo and because I could save more with having a saving account, but many other apps have the same feature at this point and would be reasonable when it comes to borrowing money until payday. Also I’ve been with you all since the first varo app that was out all the way up until the new app so I feel as if there should at least a membership where if you’ve been so long and have direct deposit set up then you should qualify it’s not like it’s not already setup where you all will receive your money soon as it hits the account so it’s something to put into consideration not only for me a loyal customer but for the rest of your customers in general. Thank you

Developer Response ,

Hi there, we appreciate your feedback and have forwarded it to the appropriate parties. The current eligibility requirements can be found in our FAQ's. Please go here to learn all about the qualifications for Varo Advance!

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

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

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