Welcome to the bank of the free

At Varo, we’re here to help you bank better — it’s free for you and freeing for your money. Because nothing should ever hold you back from getting ahead in life.

Did you know?

Varo is the first consumer fintech with a national bank charter in U.S. history

How can Varo help you get ahead?

Stretch your paycheck

Get paid up to two days early when you set up direct deposit.1

Zero hidden fees.
Zilch. Nada.

No ATM fees at 55,000+ Allpoint® ATMs.2 No monthly maintenance fees. No foreign transaction fees. No minimum balance needed.

Cash advance when you need it

Borrow up to $100 with Varo Advance once you qualify. No interest and just one simple fee.3

Grow your savings

Make your money make more money. With direct deposit, you can earn up to 50x the national average.
phone with varo app

Make credit moves

Get on the path to a better credit score with the Varo Believe secured credit card.4 No APR, no annual fee, no credit check to apply.

Join the Varoverse

Millions of people are getting ahead with Varo.

How do we compare to other banks?

Monthly Maintenance Fee Minimum balance to avoid monthly fee Overdraft fee
Varo $0 $0 $0 — we help you spend only what you have9
Wells Fargo6 $10 $500 $35
Chase7I $12 $1,500 $34
Bank of America8 Up to $25 $1,500 $35

Your path to feeling better about money starts here

It’s free, fast, and easy to join the bank designed for the way you live.
  • No credit check
  • No minimum balance
  • No monthly fees
  • No overdraft fees — we help you only spend what you have5
  • No fees to use over 55,000 Allpoint ATMs
  • No transfer fees

Did you know?

Varo customers save an average of $325/month with automatic savings tools.6

From the Varoverse

Take the first step

Open a Varo account for free today and never let a bank hold you back again.
Anne B.
via app store review

“They are there for the people who literally live from paycheck to paycheck and cover for me if the need be.”

Homer E.
via Varo website

“You guys are always on time with direct deposits and the overdraft protection is great. Thank you for being there for me and my family.”

Start qualifying for Varo Believe.

Get a Varo Bank Account today!

Applying won’t impact your credit score.