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  • 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® right in your Varo app.
Get started
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Build credit the easy way with Varo Believe.⁴

  • 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.
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Get ahead with Varo Advance.⁶

  • Borrow up to $250, if you qualify.
  • Cover bills and unexpected expenses.
  • Just a simple fee, and no interest or Annual Percentage Rate (APR).
 Upon initial qualification, you will have access to an amount shown in the Varo app and over time, you may qualify for higher amounts up to $250, based on your account balances, activity on your Varo accounts, direct deposit history, number of on-time Advance repayments, and other factors.
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Get up to 6% Cashback with Perks.⁶

  • 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.
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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.7 That’s one of the highest savings rates in the country.8
  • Earn 5.00% APY on your balance up to $5,000.00 for next month by meeting these two requirements this month:9
    • Receive direct deposit(s)10 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.11