Varo Bank: Mobile Banking

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

Perks: Cashback and partner offers
Get up to 15% cashback** at top 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

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.

^Early access to direct deposit funds depends on timing of the payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment 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.

^^^To qualify for a Varo Advance your account must be at least 30 days old with a balance of $0.00 or greater, with qualifying direct deposits in the Varo Bank Account and/or Varo Savings Account of at least $1,000 over the past 31 days. Your Varo Bank Account and/or Savings Account must not be overdrawn, and your Varo Bank Account cannot be suspended or closed. For $20 Advances, your qualifications will be evaluated daily. For Advances over $20, fees apply, and your payment history and qualifications will be reviewed monthly for any credit limit increases. To continue to qualify for Advances, payments must be made timely. Visit for information on qualifying direct deposits and fees.

**Individual offers may vary. 15% cashback available on specific items or services purchased in app. The maximum Cashback that can be earned is $50 USD per calendar month. Check the Varo Perks tab for more info and current deals.

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

© 2021 Varo Bank, N.A. All Rights Reserved. Member FDIC
The Varo Visa® Debit Card is 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.
The Varo Believe Card is issued by Varo Bank, N.A. pursuant to a license from Visa® U.S.A. Inc and may be used everywhere Visa credit cards are accepted.