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
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 https://www.varomoney.com/cash-advance/ 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.