Say hello to Varo® Advance.

Instant cash up to $100. No “tips.”
No monthly subscription.

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Stretch your paycheck

About to get to the register and need extra cash? Just had an unexpected expense? Tired of paying overdraft fees? We’ve got you covered. 

Varo Advance helps you stretch your paycheck without overdrawing your account. It gives you breathing room to keep control of your balance and offers peace of mind so you can focus on what matters most in your life.

It’s instant cash at the tap of a button. 

No more overdraft fees. No more unexpected fees. No more unfair late fees.

How it Works

Varo Advance gives you instant access to up to $100 cash directly in the Varo Bank app. While other banks and apps charge you extra fees for instant cash, we don’t. With Varo, you get your Advance instantly, with no extra fees for instant cash. 

Varo Advance has one simple fee depending on the amount of the Advance, and you can make as many payments as you want, when you want to, in any amount. You just have to pay it all back within 30 days.


No fees on Varo Advance through March 31, 2021.

Regular Fees beginning April 1, 2021: 

Advance Fee Fee for instant cash
$20 $0 $0
$50 $3 $0
$75 $4 $0
$100 $5 $0


How to qualify* 

  1. Your Varo Bank Account must be at least 30 days old and active.
  2. You’ll need to have at least $1,000 in direct deposits to either your Bank Account, Savings Account, or both, combined within the last 31 days.
  3. You can get another Advance as soon as you’ve repaid your previous Advance. 


Select an automatic payment from the calendar presented when you take out your Varo Advance Account on any available date between 15 and 30 days from the day you get your Advance.

As a special offer, you won’t be charged any fees for getting a Varo Advance through March 31, 2021. From April 1, 2021, the regular fees will apply. 

Get a Varo Bank Account today!

Applying won’t impact your credit score.