A bank account that’s truly free*

Open your free online account today with no monthly fees and no minimum balance requirements. Plus:

  • Get paid up to 2 days early¹

  • 40,000+ fee-free in-network ATMs²

  • Free cash deposits at 7,500+ CVS® locations³

  • Borrow up to $250 today by linking a qualifying account⁴

Get started
Optional services have fees.* Open a Varo Bank Account to start qualifying for Varo Advance. Quals apply.
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Start banking better today.

Banking with no surprise fees

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HIGH-YIELD SAVINGS⁷

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AUTOMATIC CASHBACK⁵

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Cash Advances⁴

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Do more with free banking.

Leave bank fees behind. Say YES to 40,000+ fee-free in-network ATMs,² free cash deposits³ at CVS®, and early payday.¹

Get Varo
Fees apply to loans and out of network withdrawals & cash deposits.*
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EARLY PAYDAY.¹ ‘NUFF said.

Up to two days early. That's how fast you can get your paycheck with direct deposit.¹ Plan your budget, treat yourself, take care of that bill—the cash is yours.

Get Varo
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HIGH APY. LIKE REALLY, REALLY HIGH.

Earn more—like a lot more with our super high APY. Qualify to earn 5.00%  Annual Percentage Yield (APY) on up to $5,000 and 2.50% APY on the rest.⁷ Whether you’re saving for a rainy day or that dream vacay, get there faster with our high-yield savings account. 

Get Varo
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Cashback in Varo app

SHOP AND GET UP TO 6% CASHBACK!⁵

Earn cash automatically at select merchants nationwide. No signup required. Just shop and earn.

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CASH ADVANCE WILL SPOT YOU. SERIOUSLY.

When the unexpected happens, you can get up to $250 right away by linking a qualifying account. It’s easy to use, has no interest, and simple, flat fees. Set up direct deposit and build your borrowing limit up to $500⁴ over time—one of the biggest advance amounts.⁸

Get Varo
Flat fee applies based on loan amount, fees range from $1.60–$40. Quals apply.
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