How to claim your bonus offer.

varo app signup
1. Sign up for Varo

Open a free Varo Bank Account in less than 2 minutes.²

varo app direct deposit setup
2. Set up direct deposit

We’ve made it easy to switch your direct deposit in the Varo app.

varo app bank account balance
3. Cha-ching!!

Get paid $50 when you deposit $1,000 in the first 45 days, then get $75 more when you deposit $1,000 in the next 30 days.

Everything you need to manage your money.

Fee-free banking

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Cash Advances³

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CREDIT BUILDER CARD⁴

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EARLY PAYDAY⁵

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free banking at your fingertips

Free online banking

Fee-free banking at your fingertips.

  • No minimum balance, overdraft, or account fees

  • Over 40,000+ free in-network ATMs⁷

  • Free cash deposits at CVS® nationwide¹¹


borrow cash when you need it

Quick cash advances

Borrow cash when you need it.

  • Link a qualifying account and get a Varo Advance up to $250 right away.³

  • Set up direct deposit to access a Varo Advance up to $500 over time.³

  • Bank, borrow, and repay Advances on time to unlock a Varo Line of Credit up to $2,000.¹


get paid two days early

Early payday

Get your paycheck up to 2 days faster.

Just set up direct deposit and get paid early.²

build credit with Varo believe

Easy credit building

Build credit as you spend with Varo.

Use Varo Visa® Believe Card when you shop or pay bills, and build your credit score with ease.⁴