How to find Varo account and routing numbers for tax refund direct deposit

Receiving your IRS tax refund is one of the most anticipated moments of the year. The fastest, safest, and most reliable way to receive your money is through direct deposit straight into your Varo Bank Account. By direct depositing your refund with us, you can receive it up to 5 days early!¹

To deposit your tax refund with Varo, you’ll need two essential pieces of information: the Routing Number and the Account Number.

This guide will show you exactly how to locate these numbers within the Varo app or website and how to use them when filing your tax return.

Get your refund faster

How long does a tax refund take? How fast do you get a tax refund with direct deposit?

While the average time for a tax return direct deposit varies based on when the IRS accepts your return, direct deposit remains the quickest method of receiving your money. The IRS typically issues most refunds in less than 21 calendar days from the date of acceptance, which is significantly faster than waiting for a paper check to arrive by mail.

Ensure that your refund direct deposit date is as early as possible. By directly depositing your tax return with Varo, you can get paid up to five days early¹. 

The two essential numbers you need

For any direct deposit, you must correctly provide two specific numbers to the IRS or your tax preparer. To avoid a delay in your refund, find your routing and account numbers by following these steps.

1. The Varo routing number

• What it is: This nine-digit number identifies Varo Bank, N.A. It tells the IRS where to send the money.

• Key Point: This number is the same for all direct deposits into Varo accounts.

• Varo’s Routing Number: 124303201

2. Your account number

• What it is: This is your unique number that identifies your personal Varo Bank Account.

• Key Point: This number is different for each Varo Bank Account.

Locating your Varo information

You can easily find your account number and routing number right within the Varo app in just a few seconds.

1. Log into your account: Log into your Bank Account on the Varo app or website.

2. Navigate to Account Details: Click My Varo then go to Manage cards and accounts > Account numbers.

3. Locate the Numbers: From here you will be able to see Varo’s routing number, along with a toggle to display your account number.

4. Secure Your Info: Be sure to copy and paste or accurately write down both the routing number and the account number. You will need them to complete your tax return form.

How to use your Varo info when filing

Once you have your Varo account and routing numbers, you're ready to complete the direct deposit section of your tax return, whether you use tax preparation software or file with a professional.

• Tax Software: When you reach the refund section, select the Direct Deposit option. The software will ask for the bank's routing number first, followed by your account number.

• Paper Filing (IRS Form 1040): You will manually enter the numbers on the designated lines (currently Schedule 1 or similar forms, but always verify the exact line numbers on the current IRS form).

What if I need to change or correct my information?

It is crucial to enter the correct information the first time. The biggest delay for many filers comes from needing to correct their bank account number on a tax return.

• Before Filing: If you notice a mistake before submitting your return, simply go back and correct the numbers in your tax software.

• After Filing: The ability to change direct deposit info for tax refunds after filing can be limited. Once the IRS accepts your return, they begin processing the refund. You generally cannot change direct deposit info once it's been submitted. If there is an error, the IRS usually attempts to deposit the money, and if it fails, they will mail a paper check, which significantly delays the process.

The Varo advantage: Simple, safe banking

Choosing Varo Bank for your tax refund direct deposit provides confidence and convenience.

• Speed & Security: Direct deposit means you typically receive your funds faster than the average time for a tax return by paper check.

• No Hidden Fees: Our free bank accounts and saving accounts² have no monthly fees and no minimum balance requirements (optional services may have fees).

• Built for Your Financial Health: Varo customers gain access to our full suite of transparent tools designed to help you manage and grow your money, including features like Varo Advance³ and Varo Believe Secured Credit Card⁴ (eligibility requirements apply).

Don't wait! Get your IRS tax refund up to 5 days early¹ by locating your account number and routing number in your Varo account today.

1 Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. Federal government direct deposit payments such as stimulus payments, tax refunds, social security payments or veterans benefits may be received and made available up to 5 days before the scheduled payment date.

2 To open a Varo Savings Account all you need is a Varo Bank Account. Applying won’t impact your credit score, plus there are no monthly fees, and no minimum balance required.Annual Percentage Yield (APY) is accurate as of May 27, 2025. Start earning 2.50% APY, then qualify to earn 5.00% APY on your balance up to $5,000.00 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. Rates subject to change at any time.

3 Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20–$250. Fees range from $1.60–$40 based on loan amount, and deposits to your Varo Bank Account. No interest is charged. For full details see Terms and Conditions. Your current limit and applicable fees can be viewed in the Varo App. Only one outstanding advance at a time, must be repaid in full prior to requesting a new advance. Limits and eligibility evaluated daily and may change at any time. You must have an active Varo Bank Account with a positive balance, no delinquent VLOC or charged off Believe account in prior 6 months and one of the following: 1) receive Qualifying Direct Deposits (QDD) of $800+ to your Varo Account current or previous calendar month (max line size $500). 2) A linked account with QDD of $800+ in the current or prior calendar month, average daily balance of $100 in the previous 30 days and active for at least 60 days (max line size $250) or 3) receive deposits of $800+ to your Varo Account in the previous 3 months (max line size $100). Add’l qualifications may apply. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.

4 Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted.You must add money before using, money added sets the spending limit. Funds spent are held in your Varo Believe Secured Account to pay off any balance in full monthly, when due. Quals apply. The Varo Visa® Believe Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.

The Varo Visa® Believe Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.