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 startedGet to your next big thing (and the next and the next) with Varo.
Banking with no surprise fees
HIGH-YIELD SAVINGS
BELIEVE CREDIT builder CARD
INSTANT cash advance
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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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.
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® to Zelle®. person to person.
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.
$ecurity & FDIC Insurance
Secured and insured
$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
"Banking without fees has really been a breath of fresh air. I love that I don’t have to stress about fees with Varo."
Greg D.
"I’ve got more in my Varo Savings Account than I’ve ever had in any savings account, so that feels awesome."
Ellynore B.
"I’ve used several other online banks and Varo has by far been the easiest to use."
Alex G.
"If something happens, they’ve got your back. It’s more than just being FDIC-insured, they actually value you as a customer."
Pam D.
"You get extra security knowing that your bank is at your fingertips."
Deng B.
"“With Zelle® and the Varo App, you can send or receive money instantly, right in the app. It’s just very convenient.”"
Adam E.