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

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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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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. SERIOUSLY.
up to $500

When the unexpected happens, hit up Varo Advance for up to $500²- one of the biggest advance amounts³ that’s easy, zero-interest, and affordable. Start out by borrowing smaller amounts and grow your limit over time.

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So many ways to send cash

VARO TO ANYONE? CHECK.

ZELLE®? DOUBLE CHECK.

It's never been easier to send money to your friends and family - Varo to Anyone lets you send money to anyone (no matter where they bank!) and unlike other money apps, we've got Zelle® directly in the Varo app.

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Up to 5.00% Annual Percentage Yield (APY)

Get your savings high. Like, really, high.

Got big money dreams? Grow your savings faster with one the highest savings rates in the country. That’s right, qualify for up to 5.00% APY on up to $5k and earn 3.00% APY on everything else.7

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Grow your credit score

BETTER CREDIT STARTS HERE.

Take the first step and start tracking your credit score for free in the Varo app. Then, you can easily help build your credit with the Varo Believe Card on everyday purchases.

On average, customers see a 42+ point increase after 3 months of on-time payments when using the Varo Believe Card.

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Customer testimonial

“MY FINANCES HAVE IMPROVED A LOT. I’M NOT SPENDING MONEY I DON’T HAVE.”

Daniela C.

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Customer testimonial

“I FEEL MORE CONFIDENT, BECAUSE I HAVE MORE CONTROL OF MY MONEY."

Bryan A.

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Customer testimonial

“IT'S THE FIRST TIME A BANK HAS HAD MY BACK. IT'S BEEN A GAME CHANGER.”

Tracey W.

$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.

MOMENTS OF PROGRESS ⁸