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Welcome, Progressive referrals!¹


  • No monthly fees on Bank Accounts. Early payday.³ High-yield savings. Cash advances with Varo Advance.

  • Join Varo and spend $25 within 60 days to earn your bonus.

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Take Control of Your Money with a Varo Bank Account

  • Get paid up to two days early³

  • No monthly account fees or minimums.

  • No fees at 40K+ U.S. Allpoint® ATMs.⁴

  • Send money with Varo to Anyone or Zelle®.⁵

  • Track your credit score for free in the Varo app.⁶


Build credit the easy way with Varo Believe.¹⁴

  • Get a credit building credit card with no minimum upfront deposit once you qualify.

  • Build credit with everyday purchases while avoiding out-of-control debt.

  • No Annual Percentage Rate (APR) and no annual fees.

 You need a Varo Bank Account to start qualifying.

Get ahead with varo advance

Borrow Cash with Varo Advance.

Qualify for Varo Advance and you can borrow money at the tap of a button to cover a bill or unexpected expense. Varo Bank Account and other qualifications apply.

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Get up to 6% Cashback with Perks.⁷

  • Put more money back in your pocket.

  • Get special cashback deals with purchases from brands you already use.

  • You can use your Varo Debit and Believe cards on eligible purchases to rack up real cash.


Save faster with a sky-high APY on your savings account

  • Start earning 3.00% APY (Annual Percentage Yield)8, then qualify to earn 5.00% APY. That’s one of the highest savings rates in the country.9

  • Earn 5.00% APY on your balance up to $5,000.00 for next month by meeting these two requirements this month:10

  • Receive direct deposit(s)11 totaling $1,000 or more; and end the month with a positive balance in both your Varo Bank Account and Savings Account.

  • You’ll continue to earn 3.00% APY on any additional balance above $5,000.00.

  • No fees, no minimum balance required.12

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Stay Safe and Sound

  • We’ll never sell your data, and we protect it with powerful encryption and secure processes.

  • Deposits are FDIC insured to at least $250,000 through Varo Bank, N.A., Member FDIC, in the event of a bank failure.