How it works
5 minutes to your Varo Bank Account
Download and apply
To apply, fill out the form in the Varo app. The application takes less than 5 minutes (and it won’t affect your credit score)
We review your application for a Varo Bank Account right away and get back to you within 24-48 hours
Receive your new card
Your shiny new Varo debit card will arrive in the mail within 2 weeks. Don’t forget to activate it!
Frequently Asked Questions
Getting started with your new Varo Bank Account
Do you check my credit history when I apply for a Varo Bank Account?
No, we don't check your credit history when you apply for a Varo Bank Account, so applying will not affect your credit score. However, if you wanted to apply for a Varo Backup Line, we would check your credit report. If you apply for a Varo Personal Loan, your credit report will be pulled.
Do I need to apply for a Varo Bank Account to use the Varo app?
Yes, as part of the registration process you need to apply for a Varo Bank Account. The Varo Bank Account is a central part of what makes Varo great and we want to make sure you get the most out of your experience.
When I sign up for the app, am I applying for a Varo Bank Account?
Yes! When you sign up for Varo, you apply for a Varo Bank Account. The bank account comes with a Varo Visa® Debit Card and is FDIC insured through our partner bank, The Bancorp Bank; Member FDIC.
How do I setup my Varo card?
Your Varo Visa Debit Card is sent out automatically after your Varo Bank Account is approved and will arrive within 7-10 business days. If you haven't recevied your Varo Debit Card within that timeframe, just give us a call at 1-800-VARO526, Monday-Friday: 9AM - 6 PM PST.