A Bank Account Built for You

Enter your phone number to download the app.

Availalble on the App Store

Our mobile bank account with no hidden fees is designed to help you do more with your money.

Spend Less than You Earn

It may seem counterintuitive, but stashing money away isn’t the first step to improve your finances—stabilizing your cash flow is. With Varo, you will always know where you stand. Headed for a cash-trap? Have extra money you should put in savings? We’ll tell you.

Bank Account

Start Your Savings Journey

We all know we need to save money—the problem is getting started. At Varo, our perspective is simple: the first step is build a 3-month cash emergency fund, then start saving towards your goals.

Savings Account

Borrow Responsibly

Debt is the elephant in the room: almost everyone has it and no one wants to talk about it. Let’s start the conversation. Varo helps you manage debt and credit responsibly, with borrowing options that fit your needs.

Personal Loans

Bank Account

A new kind of bank account for the modern age.

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Savings Account

Earn 1.25% Annual Percentage Yield (APY) on your Savings Account.

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Personal Loans

Manageable, 3-5 year loan options.

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Why Varo?

Convenient mobile access to a full suite of banking tools (no branch required).

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Varo is very simple and easy. You don't have to worry about charges.

— Jerry, Varo customer

I decided that I don’t need to go to the bank anymore - Varo on your phone is as convenient as it gets.

— Bahi, Varo customer

Get Started

Apply for a Varo Bank Account now. The in-app application takes 5 minutes or less!

No credit check required
Availalble on the App Store
Varo Money iPhone app

Your Varo Bank Account is provided by The Bancorp Bank, Member FDIC, and is insured to at least $250,000.


Few startups try to compete with the big incumbent financial institutions head-on, but Varo is up to that challenge

Varo’s aim is to provide a suite of app-based tools for customers’ financial health

[Varo’s] mission revolves around helping customers improve their financial situation

Varo is taking a different approach: to meet its goal, it wants to become a full-on national bank

Varo’s machine-learned algorithms detect customer’s income and expenses, and then predict outcomes over the near-term future — linked to a system of notifications, recommendations and tracking