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Take control of your money with a Varo Bank Account

  • No monthly account fees or minimums.
  • Payday up to two days early.1
  • Contactless Varo Bank Visa® Debit Card you can add to your digital wallets.
  • No fees at 40,000+ Allpoint® ATMs in stores like Target, Walgreens, and CVS.2
  • Send or receive money for free with Zelle® from your Varo app

Build credit the easy way with Varo Believe 3

  • Get a credit building credit card with no minimum upfront deposit once you qualify.
  • Build credit with everyday purchases while avoiding out of control debt.
  • No Annual Percentage Rate (APR) and no annual fees.

You need a Varo Bank Account to start qualifying.

Get ahead with Varo Advance4

  • Borrow up to $250, if you qualify.
  • Cover bills and unexpected expenses.
  • Just one simple fee, and no interest or Annual Percentage Rate (APR).

Upon initial qualification, you will have access to a $20 Advance. Over time, you may qualify for higher amounts based on direct deposit amounts and a history of timely repayments. Qualifications apply, including a Varo Bank Account.

Get up to 6% Cashback with Perks5

  • Put more money back in your pocket.
  • Get special cashback deals with purchases from brands you already use.
  • You can use your Varo Bank debit card on eligible purchases to rack up real cash.

Save faster with a sky-high APY on your savings account

    Start earning 3.00% APY (Annual Percentage Yield), then qualify to earn 5.00% APY.6 That’s one of the highest savings rates in the country.7

    Earn 5.00% APY on your balance up to $5,000.00 for next month by meeting these two requirements this month:8

    • Receive direct deposit(s)9 totaling $1,000 or more; and
    • End the month with a positive balance in both your Varo Bank Account and Savings Account.

    You’ll continue to earn 3.00% APY on any additional balance above $5,000.00.

    No fees, no minimum balance required.10