Textured Background Image

Join Varo. Earn $35.¹

We’ll give you $35 when you join Varo and spend $20 within 30 days of account opening.

You must sign up on this page to earn your $35.

Applying won’t impact your credit score.
Varo Hero Image
Varo Content Image

Take Control of Your Money with a Varo Bank Account

  • No monthly account fees or minimums.
  • Payday up to two days early.²
  • Contactless Varo Bank Visa® Debit Card you can add to your digital wallets.
  • No fees at 40,000+ U.S. Allpoint® ATMs in stores like Target, Walgreens, and CVS.³
  • Send or receive money with Zelle®¹² right in your Varo app.

Varo Content Image

Build credit the easy way with Varo Believe.⁴

  • 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.
Varo Content Image

Get ahead with Varo Advance.⁶

  • Borrow up to $250, if you qualify.
  • Cover bills and unexpected expenses.
  • Just a simple fee, and no interest or Annual Percentage Rate (APR).
 Upon initial qualification, you will have access to an amount shown in the Varo app and over time, you may qualify for higher amounts up to $250, based on your account balances, activity on your Varo accounts, direct deposit history, number of on-time Advance repayments, and other factors.
Varo Content Image

Get up to 6% Cashback with Perks.⁶

  • Put more money back in your pocket.
  • Get special cashback deals with purchases from brands you already use.
  • You can use your Varo Bank debit card on eligible purchases to rack up real cash.
Varo Content Image

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

  • Start earning 3.00% APY (Annual Percentage Yield), then qualify to earn 5.00% APY.7 That’s one of the highest savings rates in the country.8
  • Earn 5.00% APY on your balance up to $5,000.00 for next month by meeting these two requirements this month:9
    • Receive direct deposit(s)10 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.11
FAQ
What if I got a referral from my friend but I already have a Varo account?
I got referred to Varo by a friend. How do I make sure we both get our bonuses?
Answer
Unfortunately, you wouldn’t be eligible for a bonus because you already have an account.