This is a bank that lets you take control.

Get a Varo Bank Account with no monthly fees or minimum balance.
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It’s time for a bank that treats you better.

No monthly account maintenance fees or minimum balance. No transfer fees. No foreign transaction fees.

No minimum balance requirement—we don’t charge fees based on your balance.

No fees at 55,000+ Allpoint® ATMs in places you already shop.

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Helpful Customer Service. We’re available every day except federal holidays.

Plus, you can save automatically with a high-yield Varo Savings Account.

Here are all the fees we don’t charge.

  • Monthly Account Maintenance
  • Varo Visa® Debit Card Replacement with USPS*
  • Foreign Transactions
  • ATM Withdrawals (Allpoint ATMs)
  • ACH Bank Transfers
  • Account Closing
  • Over-The-Counter Cash Withdrawals
  • Varo Bank to Varo Bank transfers**
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What about depositing cash using Green Dot Reload @ the Register™?
No fee from Varo. A retail service fee of up to $5.95 applies.

Can you send me an expedited replacement card?
Varo will charge a $25.00 fee for the express shipping of replacement debit cards.

What about ATM fees at non-Allpoint ATMs?
$2.50 ATM Withdrawal Fee (out of network) from Varo.
The ATM operator may charge an additional fee.

FAQs About No Hidden Fees

What specific fees do I avoid when I open a Varo account?

The Varo Bank Account and Savings Account have no hidden fees. That means Varo won’t charge a fee for ATM withdrawals at 55,000+ Allpoint® ATMs in stores like CVS, Target, and Walgreens. Here are some more fees Varo doesn’t charge when you open and keep a Varo account: minimum balance fees, monthly maintenance fees, or foreign transaction fees.

Are there fees to close a bank account?

No. while we’d hate to see you go, we will never charge you for leaving. We’re always making improvements, so we encourage you to keep your account open to see what we do next. However, if you’d still like to close your account, we’ll do everything we can to make the process hassle-free.

Why do other banks charge fees on accounts and credit cards?

Traditional banks with branches have to charge fees to cover overhead costs and services their locations provide. Varo is all digital, so we don’t have to pay those costs and we pass those savings to you.

What are the fees for using an out-of-network ATM?

We charge a $2.50 ATM Withdrawal Fee for out of network (non-Allpoint®) ATM withdrawals. If you use a non-Allpoint network ATM, including for checking your balance, you may be charged an additional fee by the ATM operator. To avoid ATM fees altogether, use an Allpoint ATM at stores like Target, Walgreens, and CVS.