Power Your Money Progress.

Time to put your money in a place designed to boost your success. Time to save more, budget smarter, build credit quicker⁵, and have a bigger back pocket. Time to make it happen.

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Get to your next big thing (and the next and the next) with Varo.

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Banking with no surprise fees

MONEY SHOULDN'T COST YOU A THING

To grow your money, you have to take steps forward—not backward. That's why you'll never have to deal with unnecessary, hidden, or tricky fees and charges.

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Direct Deposit

EARLY PAYDAY.¹ ‘NUFF said

Up to two days early. That's how fast you can get your paycheck with direct deposit.¹ Plan your budget, treat yourself, take care of that bill—the cash is yours.

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Cash advance

CASH ADVANCE WILL SPOT YOU. SERIOUSLY.
up to $500

When the unexpected happens, hit up Varo Advance for up to $500²- one of the biggest advance amounts³ that’s easy, zero-interest, and affordable. Start out by borrowing smaller amounts and grow your limit over time.

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So many ways to send cash

VARO TO ANYONE? CHECK.

ZELLE®? DOUBLE CHECK.

It's never been easier to send money to your friends and family - Varo to Anyone lets you send money to anyone (no matter where they bank!) and unlike other money apps, we've got Zelle® directly in the Varo app.

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Grow your credit score

BETTER CREDIT STARTS HERE.

Take the first step and start tracking your credit score for free in the Varo app. Then, you can easily help build your credit with the Varo Believe Card on everyday purchases.

On average, customers see a 42+ point increase after 3 months of on-time payments when using the Varo Believe Card.

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Customer testimonial

“VARO HELPED ME GET THE APARTMENT OF MY DREAMS.”

Deng B.

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Customer testimonial

“I like Varo because they don't charge overdraft fees.”

Albery F.

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Customer testimonial

“It's helped me breathe easier, being able to see the credit score in the app.”

Austin P.

$ecurity & FDIC Insurance

SECURED AND INSURED
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$ecurity & FDIC Insurance

SECURED AND INSURED WITH THE
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Your money is seriously covered. Up to $250,000, to be exact. Not only are your deposits FDIC-insured, we’re also an independent bank with our own banking charter.

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MAKE YOUR MONEY DO WAY MORE.

Signing up takes 2 minutes.

THE HYPE IS REAL. ⁸