Get a mobile bank app that puts you in charge

Access and manage your money in the Varo app whenever, wherever.
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Take control with a Varo Bank Account

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Keep more of your money — and get it sooner

  • No monthly fees or minimum balance requirement. 
  • Use over 55,000 fee-free Allpoint® ATMs in stores like Target, CVS, and Walgreens.1
  • Get paid up to two days early with direct deposit.2

Digital banking, wherever you are

Check your accounts online, make transfers, and manage your money in one easy-to-use banking app. Getting started with Varo takes just minutes.
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person using varo card

Keep control of your balance

With instant push notifications, you’ll be notified right away when there’s a deposit into or withdrawal from your online banking account. We’ll also let you know every time your debit card is used.

Instantly lock your card

If your Varo Bank Visa® Debit Card is lost or stolen, use the app to immediately lock your card and keep anyone else from using it. You can unlock your card in the app too — no need to call Customer Service.
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Send money right away, without the fees

Need to pay rent? Splitting takeout? With Varo to Varo, you can instantly send money to anyone who uses Varo, fee-free. You can also link an external account to transfer money with no fee.

Get ahead with Varo Advance

Just had an unexpected expense? Tired of overdraft fees from other banks? Once you qualify for Varo Advance, you can borrow up to $100 in the app at the tap of the button.3 No “tips,” monthly fees, or interest, just one simple fee per Advance. 

You’ll need a Varo Bank Account to qualify for Varo Advance.

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Easily connect to your digital wallet

No need to carry a wallet—it’s simple to connect your Varo Visa Debit Card to your iPhone® or Android™ mobile device to pay quickly and securely.

Link your debit card to Apple Pay™, Google Pay™, PayPal, or Cash App, and you’re all set to go cardless.

Grow your money with a Varo Savings Account

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Grow your money faster with a Varo Savings Account

Earn an amazing 2.00% APY (Annual Percentage Yield) and qualify to earn a sky-high 5.00% APY on your balance up to $5,000 — one of the highest rates in the country.4

Use our automatic savings tools to help you save money effortlessly.

Stay safe with security you can trust

Keeping you protected is at the top of our list. We’ll never sell your personal information or data.

Varo Bank Account and Savings Account deposits are FDIC insured to at least $250,000.

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FAQs About the Varo Mobile Banking App

1. Does signing up for the app mean I am applying for a Varo Bank Account?

Yes! When you sign up with the Varo Bank app on your phone, you can apply and open a Varo Bank Account. Your Varo Bank Account comes with a contactless Varo Bank Visa® Debit Card and is FDIC-insured through Varo Bank, N.A. Member FDIC.

2. Do I need to have a Varo Bank Account to use the Varo mobile app and its features?

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.

To apply, simply download the Varo app from the App Store, tap "Get Started," and follow the prompts to submit your application. It should take you no more than five minutes! All you need is a valid form of identification and your Social Security Number.

3. What kinds of features or services are included in the Varo mobile banking app?

Everything you need to successfully manage your money is available within the convenient and simple Varo mobile banking app.

Here are a few mobile banking services you can easily access on your mobile device:

  • Check your real-time balance
  • Receive direct deposit up to two days early2
  • Deposit or transfer money, including through external accounts and between Varo accounts
  • Find an Allpoint® ATM and make free withdrawals in stores like Target, CVS, and Walgreens
  • Lock and/or request a new Varo Visa® Debit Card
  • Update personal information like your address or password

*Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

4. How can I find my bank account statements in the Varo mobile banking app?

On the Accounts page in the app, tap Varo Bank Account or Varo Savings Account, then Details (top right) > Account statements.

Choose the year and month of the statement you want to see. You can also print or email the statement directly from your phone by tapping the share icon in the top right corner.

5. Does the Varo Mobile Banking app work with Android? What about the Apple iPhone?

Yes, the Varo Mobile Banking app is currently supported on Apple iPhones running iOS version 8.0 or higher and Android devices running Android OS 5.0 Lollipop and above and have access to the Google Play Store.

Start qualifying for Varo Believe.

Get a Varo Bank Account today!

Applying won’t impact your credit score.