Join Varo.
Earn $100.
Ditch Bank Fees.*

Sign up for a Varo Bank Account today.

30,000+ 5-Star App Reviews

“A hard to beat combo: free checking and high-yield savings” —Nerdwallet^

Varo is a new way to bank that lets you ditch overdraft fees once you qualify, gives you your paycheck up to two days early with direct deposit**, and helps you save money automatically.

Varo Debit Card

Stop paying bank fees

No overdraft fees. No fees at 55,000+ ATMs worldwide. No monthly fees. And no other fees.


Forget overdraft fees

How to qualify for No Fee Overdraft:

Make at least five Varo Visa® Debit Card purchases in each calendar month; and receive payroll or government direct deposits totaling at least $1,000 into your Varo Bank Account in each calendar month.

Once you qualify, you can overdraw your Varo Bank Account up to $50 on any transaction, except ATM or Over the Counter withdrawals, with no fees or interest charges.


Start getting paid early

Don’t wait until payday. Get your paycheck up to two days early with direct deposit to your Varo Bank Account.** When you get paid sooner, you can pay bills sooner.


Save up effortlessly

Use automatic savings tools. Earn money with a highyield Varo Savings Account. No minimum balance requirement and no fees.


Stay safe and sound

Get a debit card—it’s not a prepaid card—and turn on instant push notifications to know the second your balance changes.

Deposits are FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC.

We’ll never sell your data, and we keep it safe with powerful encryption, access control, and secure processes.

Join Varo and earn $100.*

Sign up for a no-fee Varo Bank Account today.

All Rights Reserved by Varo © 2020

Varo Money, Inc. | NMLS #: 1547251 | Licenses | NMLS Consumer Access

*In order for each referring Varo member (the “Member”) and referred individual (the “Referee”) to qualify for and receive a $100 bonus, Referee must: 1) use Member’s unique link to register Referee’s email address; 2) request a new Varo Bank Account (subject to approval) by December 31, 2019, using the same email address used for registration in the prior step; and 3) receive one qualifying direct deposit of $200 or more into the new Varo account within 45 days of the day the Referee is advised that the Varo Bank Account is open. The qualifying direct deposit must be one (1) ACH electronic payment payable to the Referee consisting of payroll, pension, or government benefits from the Referee’s employer or a government agency. A fund transfer from an account held in Referee’s name at an external bank or other financial institution or a peer-to-peer payment (such as through PayPal, Square, Venmo, or Apple Pay Cash, or similar services) will not qualify. Bonus is paid as a credit to Member and Referee Varo accounts within 7 days after Referee’s qualifying direct deposit occurs. Referee must be a new Varo member with no prior Varo account(s). By participating in this Refer-a-Friend Program (“Program”), Referee acknowledges that non-payment or payment of the bonus and related promotional communications can result in Member’s awareness that Referee requested and/or opened a Varo account. Each Member is limited to receipt of a total of $500 in Program payments. Varo Money Inc., the sole sponsor of the Program, reserves the right to cancel or modify its terms, or terminate eligibility to participate in the Program at any time without prior notice. For example: Eligibility is based on individual Members inviting only personal friends, family, and known acquaintances. Attempts to generate referral activity by posting a Member’s unique link on third party social media, blog, or other similar websites can result in termination of Member eligibility. Credits of $10 or more will be reported on tax form 1099-INT.

^The Varo Bank Account is a checkless checking account. Varo offers full-service bank accounts, but we do not offer checks.

**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.

Bank Account Services provided by The Bancorp Bank; Member FDIC. The Varo Visa Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.

See the Varo Bank Account and Varo Savings Account Agreement for terms and conditions.