Get more with a free bank account.

Leave bank fees* behind. Say YES to 40,000+ fee-free U.S. ATMs,¹ free cash deposits at CVS®,² and early payday.³

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Fees apply to loans and optional services.*
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    Early Payday

    Get paid up to 2 days early with direct deposit.³

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    No Hidden Fees

    Say goodbye to unexpected banking fees.⁴

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    Zelle®

    Send and receive money with Zelle®.¹²

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    Varo Advance

    Get up to $250 today. Build your way up to $700 over time with direct deposit, avg loan $170. Quals apply.⁵

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    Easy Credit Builder

    Build your credit score using your own money.⁷

Varo Visa Debit Card and App

All things money, all in one place

Make real progress today.

  • No monthly or hidden fees⁴

  • 40,000 fee-free US ATMs¹

  • 2-day early payday³

  • Cash advances up to $700 over time with direct deposit, avg loan $170 (quals apply)⁵

  • Unlock $600-$2,000 with Varo Line of Credit (Avg $825)¹⁰

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Make payments with Zelle®

Send and receive money in minutes.¹²

Easily pay your landlord, split the cost of a bill, or just get some money from a friend in a couple of taps in the app.

use varo and cvs to add cash for free

Fee-free cash adds

Add cash for free at CVS®

No bank branch? No problem. Now, you can easily add your cash fee-free at over 7,500 CVS locations nationwide.²

Shopping with the Varo Visa Debit Card

Cash advance

Up to $250 today. Right when you need it.

Need money for gas, rent, or an unexpected event? That’s what Varo Advance is here for. With a Varo Bank Account, you can get up to $250 today. Build your way up to $700 over time with direct deposit, avg loan $170. Quals apply.⁵

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The Varo Visa® Believe Credit Card

Build credit the easy way.⁷

  • No credit check, no interest and no hidden fees.⁴

  • Use your own money instead of digging deeper into debt.⁶

  • Believe customers, on average, see a 40+ point increase in their credit score after 3 months of on-time payments.⁸

ⓘ You need a Varo Bank account to start qualifying. Additional quals apply.

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High Yield Savings Account

More money faster? Keep talking...

Our easy auto-saving tools and sky-high Annual Percentage Yield(APY)⁹ do all the work, so you can save more without lifting a finger. Best part? No fees or required minimum balance.

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Security & Protection

Take control and secure your cash. Right on your phone.

Lost your card? No sweat. Lock it instantly from your Varo app and request a new one through the Varo app— we’ll send you a free replacement. What’s more, your card’s Visa Zero Liability¹¹ policy protects you from any unauthorized charges.