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Make Money.
Then make it
(all) happen.

Instead of asking yourself “what now?” ask yourself: “what’s next?” That next chapter, next step, next goal —make it happen by making the most out of your money.

Get started

Get to your next big thing (and the next and the next) with Varo.

Banking with no surprise fees

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HIGH-YIELD SAVINGS

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BELIEVE CREDIT builder CARD

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INSTANT cash advance

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SEE WHY OVER
3 MILLION PEOPLE
LOVE VARO.

4.9

131k App Store reviews

4.7

166k Google Play reviews

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Banking with no surprise fees

Money shouldn't cost you a thing

To grow your money, you have to take steps forward—not backward. That's why you'll never have to deal with unnecessary, hidden, or tricky fees and charges.

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NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO ZELLE® FEES • NO MINIMUM BALANCE FEES •
NO MONTHLY FEES • NO OVERDRAFT FEES • NO IN-NETWORK ATM FEES • NO ZELLE® FEES • NO MINIMUM BALANCE FEES •
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Direct Deposit

Early payday.¹ ‘Nuff said.

Up to two days early. That's how fast you can get your paycheck with direct deposit.¹ Plan your budget, treat yourself, take care of that bill—the cash is yours.

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Cash advance

CASH ADVANCE WILL SPOT YOU.
QUICK. EASY. INSTANT.up to
$250

When the unexpected happens, hit up Varo Advance for a quick spot from $20 - $250 (qualifications apply). Just a couple taps in your Varo app and voilà—money in the bank.²

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Zelle money transfers

Zelle® to Zelle®. person to person.

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Grow your credit score

Your credit.
Up and up.
A total score.

40 points in 3 months. That's how much—on average—Varo Believe⁵ customers increased their credit score after just three months of on-time payments.⁶ It's the worry-free way to build credit.

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High Yield Savings Account
Super high APY makes your savings go whoa
Make major money gains with one of the highest savings rates in the country. How high? You can qualify for up to 5.00% Annual Percentage Yield (APY)⁷ — that's on deposits of up to $5,000. Any amount above that, you'll earn 3.00%.
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Customer testimonial
“Varo Helped me get the apartment of my dreams.”
Customer testimonial
“I like Varo because they don't charge overdraft fees.”
Customer testimonial
“It's helped me breathe easier, being able to see the credit score in the app.”

$ecurity & FDIC Insurance

Secured and insured

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$ecurity & FDIC Insurance

Secured and insured with the ().

Your money is seriously covered. Up to $250,000, to be exact. Not only are your deposits FDIC-insured, we’re also an independent bank with our own banking charter.

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Make your money do way more.

Signing up takes 2 minutes.

The Hype is Real. ⁸