A bank for all of us

Money shouldn’t just work for some of us.
It should work for all of us

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Nothing holding you back

“I love Varo and highly recommend it to anyone looking for an awesome bank.” -Sean A.

With Varo, there’s nothing stopping you from getting ahead. Joining Varo is free, safe, and easy. Our Bank Account has:

No credit check

No minimum balance

No monthly fees

No overdraft fees — we help you spend only what you have¹

55k+ fee-free Allpoint ATMs in places you already shop at: Target, CVS, and Safeway²

Everyday banking that puts you in charge

“I absolutely love Varo and the freedom it gives me in having control!” -Lindsay T.

Varo gives you more ways to take control of your money.

Varo Bank Visa® contactless debit card

Branchless, 24/7 mobile banking

Send and receive cash fast and free³ with Zelle® and Varo to Varo transfers.

Deposits are FDIC Insured up to $250,000

NEW!

Get up to 6% cashback for using your Varo cards⁴

Rack up real cash — not points — in your Varo Bank Account.
Every time you hit $5 in cashback, your money is automatically transferred to your Bank Account.
Just use your Varo Bank debit card or Varo Believe Card at select brands to earn.

Get more with direct deposit

“With direct deposit I get so many more perks I don’t get from other banks.” -Jason C.

Set up direct deposit and get rewarded with benefits that help stretch your paycheck, grow your money, improve your credit, and more.

Stretch your paycheck

“We get paid up to 2 days early now so we don’t have to wait until Friday!” Alex C.

Make your money go further and get breathing room for your everyday needs.

• With direct deposit, get your paycheck up to 2 days early⁵

• Borrow up to $250 (starting at $20) when you need it with Varo Advance. Qualifications apply.⁶

• Access exclusive offers and cashback

Grow your money

“Varo is my Mom Superpower! I was able to easily set money aside and earn lots of interest.” -Sharon S.

Put your money to work. Varo gives you easy ways to save for the future.

*Get one of the highest savings rates in the country.⁷ Start earning 3.00% APY (Annual Percentage Yield), then qualify to earn 5.00% APY. That’s more than 16X the national average.⁸

• Save your pay: Choose how much of your pay to automatically put into your Savings Account

• Save your change: Round up every transaction to the nearest dollar and save the difference in your Savings Account

Our customers

“Couldn’t be happier! I love the auto transfer to savings as well, makes sticking to a budget a breeze!”

Joseph C.

“Varo does an amazing job keeping you up to date with your account and all the perks they offer.”

Barbara R.

“Getting paid early, being able to instantly transfer money and turning my card off has really helped me take charge of my financial health.”

Amanda M.

“You guys are always on time with direct deposits and the overdraft protection is great. Thank you for being there for me and my family.”

Homer E.

“Varo is the first banking app or bank I have ever had that actually cares about its customers.”

Joris A.