Join Varo. Earn $50.1

We’ll give you $50 when you join Varo and spend $20 within 30 days of account opening.

Get started only by tapping “Get $50”.
Applying won’t impact your credit score.

two phones with varo app

Keep more of your money with a Varo Bank Account

  • No monthly account fees or minimums.
  • Payday up to two days early.2
  • No fees at 55,000+ Allpoint® ATMs in stores like Target, Walgreens, and CVS.3
varo card and phone with varo bank app

Build credit the easy way with Varo Believe4

  • Get a credit building credit card with no minimum upfront deposit once you qualify.
  • Build credit with everyday purchases while avoiding debt.
  • No Annual Percentage Rate (APR) and no annual fees.

You need a Varo Bank Account to start qualifying.

believe pattern

Get ahead with Varo Advance

  • Borrow up to $100 once you qualify.5
  • Cover unexpected expenses.
  • Just one simple fee, and no interest or Annual Percentage Rate (APR).
You need a Varo Bank Account to start qualifying.
varo advance

Get up to 15% Cashback with Perks6

  • Put more money back in your pocket.
  • Get special cashback deals with in-app purchases from brands you already use, like Grubhub and Walgreens.
  • You can use your Varo Bank debit card for all your in-app purchases to rack up real cash.
varo perks

Watch your money grow with a Varo Savings Account

  • Earn 0.50% Annual Percentage Yield (APY)7, then qualify to earn 3.00% APY7 on a balance as little as a penny.
  • Use automatic savings tools to save every time you spend or earn.
phone varo bank app

Referral FAQ

What if I got a referral from my friend but I already have a Varo account?

Unfortunately, you wouldn’t be eligible for a bonus because you already have an account.

I got referred to Varo by a friend. How do I make sure we both get our bonuses?

First, register your email at the unique referral link your friend gave you and open a Varo Bank Account by November 30, 2021. Then, make qualifying purchases totaling at least $20 using your Varo Debit Card within 30 calendar days of when the new account was opened.

Third party transfers (CashApp, Venmo, etc.), ATM cash withdrawals, and over-the-counter cash withdrawals do not qualify for the $20 purchase requirement.

See full Terms and Conditions for more details.

Start qualifying for Varo Believe.

Get a Varo Bank Account to get your $50.

Get started only by tapping “Get $50”.
Applying won’t impact your credit score.