Find the right no fee virtual debit card

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All Varo products and services mentioned below are contingent on opening a Varo Bank Account. Qualifications may apply. 

In a world where digital transactions reign supreme, finding the right no fee virtual debit card for you is pretty essential. If you’re like most of us, you use your debit card 24/7, which is all the more reason why you shouldn’t be charged unnecessary fees to do so.

Ready to find a virtual debit card that ditches all those pesky fees that traditional banks charge? Here, we’ll explore what to keep an eye out for on your quest for virtual debit card bliss, and why Varo’s no fee debit card should be at the top of your list.

1. Choose one that lets you bank like a pro

Whether you’re looking to conquer your monthly bills, get a quick, fee-free cash fix from an ATM, or save a bit extra with every swipe or tap, you deserve a debit card that lets you bank like a pro using your digital wallet. And forget the waiting game—you want instant access that lets you use your card right away.

Varo’s no fee debit card puts you in control when managing your finances: 

• Instant access¹? Check! 

• Pay your bills easily? Check! 

• Find an ATM² in blocks, not miles at stores like Walgreens®, CVS®, and 7-Eleven®? Check!

• Track your transactions effortlessly in the app? Check!

Even better? You can round up to save up with every purchase using Save Your Change. After all, who doesn’t want to grow their money without lifting a finger?

2. Say no to hidden fees

No one wants to worry about hidden fees eating into their hard-earned cash every time they use their virtual debit card. Your money is your money, so go for a bank account that lets you say no to fees like this:

• Monthly fees? No thanks.

• Minimum balance? Absolutely not.

• Fees to deposit checks? Hard pass.

• Overdraft fees³? See you never.

• ATM fees²? Forget it.

Varo’s no hidden fee bank account ditches all of the above⁴ so you can save more of your money for what matters.

3. Go for security and protection

You need a virtual debit card that offers security and protection so you can sleep soundly knowing your money’s safe.

Here’s how Varo’s no fee virtual debit card can help you get some peace of mind:

• Misplaced your debit card? Lock it instantly and block transactions from your Varo app. If you need to request a new one we’ll send you a replacement, no sweat.

• Notice any sketchy purchases you didn’t make? Realtime mobile alerts make it easy to stay on top of any potentially fishy business. Your Varo debit card’s Visa® Zero Liability⁵ policy also protects you from any unauthorized charges.

• Consider your privacy protected. When you bank with us, your personal information stays your personal information with industry-standard encryption.

• We’re a legit bank, so you can count on us to keep your money FDIC-insured for up to $250,000 in case the worst happens, like a bank failure.⁶

4. Get your virtual debit card from Varo

After opening a Varo Bank Account, it’s easy to activate your virtual debit card and get down to business like the boss that you are:

1. Open the Varo app, and look for the “Early access to your card” screen.²

2. Tap “Yes, I want early access”.

3. Move money into your account.

4. Start spending using your virtual card in your Apple® Wallet or Google® Wallet!

Leave behind the burden of unnecessary debit card fees and take a bold step towards managing your finances like a pro with Varo’s no fee debit card today!

Unless otherwise noted above, opinions, advice, services, or other information or content expressed or contributed by customers or non-Varo contributors do not necessarily state or reflect those of Varo Bank, N.A. Member FDIC (“Bank”). Bank is not responsible for the accuracy of any content provided by author(s) or contributor(s) other than Varo.

¹ Some customers will have immediate access to a digital debit card, which you can use for online purchases, or add to your digital wallet. For security and privacy reasons, digital cards are not available to all customers.

If you’re eligible for a digital debit card, you’ll see a screen titled Early access to your card pop up in your app. For more information visit Varo Support.

² There is no fee to use any U.S.-based Allpoint® ATM.  Varo charges a $3.50 fee for cash withdrawals at all non-Allpoint® (out of network) and all international ATMs. Additional third-party fees may be assessed by the ATM owner. All ATM fees will be charged to the Varo account used for each transaction.

³ For more information, check out our no hidden fee page here. 

⁴ We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved).

This could also include preauthorized ACH transfers that are scheduled, recurring and/or pending but have not yet settled. If your account balance remains negative, activity will be evaluated and your account could be closed. Even if you have a negative balance, we will not charge you an overdraft fee.

⁵ You must notify Varo Bank immediately of any unauthorized use. See terms for specific restrictions, limitations and other details.

⁶ Varo Bank, N.A. Member FDIC. The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. The FDIC protects depositors of insured banks against the loss of their deposits if an insured bank fails. FDIC insurance does not insure against fraud or other types of losses.

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