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No WTF Fees. Keep your cash.

No monthly, overdraft, or transfer fees¹.

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Get paid mad early.

Up to 2 days early with direct deposit².

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Send money to anyone in a snap.

Varo to Anyone is fast, free, and secure.

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Borrow up to $500, Fast.³

Flat, fair cash advance fees when you qualify.

Get Varo
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Disclosures


¹Transactions will be declined when you don’t have sufficient funds. You could have a negative balance if a transaction is approved for one amount, but the actual charge is more than what you have in your account, but we won’t charge you an overdraft fee.


²We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.


³Varo Advance is a small dollar line of credit. To qualify for Varo Advance, you must have an active Bank Account and qualifying direct deposits (QDD) of at least $800 during the current or previous calendar month. Your Varo Bank Account and/or Savings Account must not be overdrawn, and any prior Varo Advance payments must have been made timely. Once qualified for Varo Advance, you will be assigned an initial credit limit from $20-$250, based on your account balances, the activity on all of your Varo accounts, your direct deposits, history of timely Advance repayments, and other risk-based factors. Your credit limits may step up gradually to higher amounts over time based on repayment history and other factors. Your eligibility for Varo Advance and your applicable credit limit are evaluated daily and may change at any time. Your current limit is always available to you by tapping Varo Advance on the home screen of your Varo app. You may only take one Advance at a time, and you may not add to an existing Advance until it has been paid in full. Qualifying direct deposits are an electronic deposit of your paycheck, pension, or government benefits (such as Social Security or Unemployment Insurance) from your employer or the government to the extent that can be identified into your Varo Bank Account and/or Varo Savings Account. Tax refunds and government stimulus payments, person-to-person payments (such as Venmo and Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit. The Varo Visa® Debit Card and the Varo Believe Card are issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.