Save the money you’re spending on fees

We built Varo so your money really works for you.

Get a no-fee1 Varo Bank Account.

We believe you shouldn't pay fees. So we don't charge them.

  • No fees at 55,000+ Allpoint® ATMs worldwide

  • No foreign transaction fees

  • No monthly account maintenance fee

  • No minimum balance requirement

  • No debit card replacement fee

  • No ACH transfer fee

  • Just no fees1

Save money and earn interest

Every penny gets put to work in a high-interest Varo Savings Account.

Annual Percentage Yield2

• Balance must be at least $0.01 to earn interest


The Savings Account balance must be $50,000 or less and the customer must meet both of the following requirements:
• Receive payroll or government direct deposits totaling at least $1,000 each month into the Varo Bank Account
• Use the Varo Visa® Debit Card to authorize at least 5 purchases each month (excluding ATM or Over-the-Counter Cash Withdrawals and P2P transfers)

New customers seeking to qualify for 2.80% APY will first need to set up direct deposit and receive their debit card in the mail and activate it. Until the qualifying direct deposit(s) are posted and debit card purchase transactions made, they will earn 2.12% APY.

For details see the Rate Information section of the Varo Savings Account Agreement

Our automatic savings tools make it easy to save money every time you spend or earn. There’s no minimum balance requirement or opening deposit for a Varo Savings Account, and never any fees. Just saving—and saving feels good.

Save Now >

Looks sharp, works hard

Manage your spending with a Varo Visa® Debit Card you can use anywhere Visa debit cards are accepted around the world.

Forget ATM fees at 55,000+ Allpoint® ATMs worldwide—that’s more than the 3 biggest U.S. banks combined3

Instantly lock your EMV-chip card in the app if it goes missing

Stay safe—Visa Zero Liability guarantees you won’t be held responsible for unauthorized charges on your account4

Connect Apple Pay, Square, PayPal, Cash App, and Venmo

Know the second
your balance

Push notifications instantly alert you whenever:

• There’s a deposit to or a withdrawal from your Varo Bank Account

• Your debit card is used for a purchase or cash withdrawal

A mood boost from your money

A lot of banks sit on your paycheck before giving it to you. We want you to have your money as soon as possible, so we don’t wait.

Get your paycheck up to 2 days early by setting up Direct Deposit to your Varo Bank Account.5

All together now

See all your accounts and make transfers in one place.

Link Accounts
Connect your external accounts, including digital wallets, to make transfers to and from Varo in seconds.

See Ahead
View your complete financial picture with Forecast (iOS only), including how much money you’ll have left over after paying bills.

Check, please

Money In: Use mobile check deposit in the app.

Money Out: If you need to send a paper check, we’ll mail one for you for free.

Mobile deposit is available on iOS only, but will be coming to Android soon!

Happy, human, and helpful Customer Service

Your Utah-based Varo Customer Service team is available 7 days a week.

Email Email

Phone Call 1-800-827-6526

Customer Service Team

Stop paying account fees.1 Apply for a Varo Bank Account today!

13,000+ 5-star reviews
on App Store and Google Play™ Store

5 stars

“Varo is a mobile-only banking app with a hard-to-beat combo: free checking and high-yield savings.”

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