A bank for all of us

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

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
Free Varo to Varo transfers; send and receive cash instantly
Deposits are FDIC Insured up to $250,000
two cards

Get up to 6% cashback for using your Varo cards3

  • 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 early4

• Borrow up to $100 when you need it with Varo Advance5

• 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.6 Start earning 2.00% APY (Annual Percentage Yield), then qualify to earn 5.00% APY. That’s 29X the national average.7Save 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

Varo is an entirely new kind of bank. We're all-digital, mission driven, and designed for the way you live.

Start qualifying for Varo Believe.

Get a Varo Bank Account today!

Applying won’t impact your credit score.