We're a new way to bank

Download the Varo app to get started.

Have Android?   Get Early Access
Download iOS
Have Android?   Get Early Access
Varo iPhone app and debit card

How it works

5 minutes to your Varo Bank Account

Download and apply

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)

Get Approved

Get Approved

We review your application for a Varo Bank Account right away and get back to you within 24-48 hours

Receive your new card

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.

Still have questions?

Visit the Help Center

Varo can disrupt big banks and build a more cost-effective and consumer-friendly platform that appeals to Millennials

[Varo’s] mission revolves around helping customers improve their financial situation

Varo’s aim is to provide a suite of app-based tools for customers’ financial health

Varo Money is an app that could replace a traditional bank account

Varo is a no-fee, all-in-one banking solution aimed at millennials… if you’ve lost your free account, ‘come to Varo, you’re welcome here

Varo’s machine-learned algorithms detect customer’s income and expenses, and then predict outcomes over the near-term future — linked to a system of notifications, recommendations and tracking