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Your Get-To-What's-Next Online Bank Account


Make the most of every dollar with a bank account that helps you avoid fees, get paid early¹, and reach your money goals faster.

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Varo Content Image

No hidden fees

No sketchy fees. Period.

That’s right. No monthly fees. No overdraft fees (we help you spend only what you have).² No WTF fees. Because your money is your money. And we help you keep more of it.

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Varo Content Image

Early direct deposit

Get paid faster. You deserve it.

Get paid up to two days early1 so you can do what you want with your money when you want.

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Faster money moves

We’ve got Zelle®, baby.

And unlike other money apps, we’ve got Zelle® in the Varo app.³ So now all it takes to send money and get money fast is a few easy taps.

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Mobile banking app

One app for all your money things.

All your cash is conveniently at your fingertips in the Varo app.⁴ Deposit checks, link accounts, and keep tabs on your spending.

Download Varo

4.8 stars

250k reviews

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Varo Content Image

Fee-free ATMs

40,000+ ways to get your cash. Fast.

With over 2x more free ATMs⁵ than big banks,⁶ it’s easier than ever to find cash as soon as you need it. Stick with us, and you skip the fees.

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$ecurity & FDIC insurance

Insured & secured with the FDIC.

What’s precious to you is precious to us. Since we’re a legit bank, you can count on us to keep your money FDIC-insured for up to $250,000 in case the worst happens (hint: bank failure).⁷

Sign up in less than two minutes.

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    Download the app.
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    Apply for an account.
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    Add your card to your mobile wallet.
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    You’re on your way.

In the press

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Sign up for Varo in less than two minutes. There’s no impact on your credit score.

What is an online bank account?
How can I open an account online?
How do I withdraw or deposit money in a bank account online?
Can I open a bank account with no money?
Is online banking safe?

This type of account offers the features of traditional banking — deposits, withdrawals, transfers, and payments — without having to visit a local branch. Accounts from Varo are convenient, efficient, and easy to open and manage. All you need is a computer or mobile device and an internet connection to apply. Even better, we don’t have local branches to maintain, so that helps us avoid charging you monthly banking fees. Win win!