What if your bank account actually helped you?

With no monthly fees and automatic high-interest savings, we do.

22,000+ 5-Star App Reviews

Banking that helps you win

Varo Bank Account: Get an online checking account with no monthly fees or minimum balance. Then, start getting paid up to two days early* and enroll in No Fee Overdraft. See requirements.

Varo Savings Account: Earn high-interest savings with no fees or minimums and auto savings tools.

Varo Visa® Debit Card: Not a prepaid card. Get cash without fees at 55,000+ Allpoint® ATMs worldwide—that’s more than the three biggest U.S. banks combined.^

Save without thinking

Save Your Pay takes a percentage of your Varo Bank Account deposits and automatically transfers it to your Savings Account (you choose the percentage).

Save Your Change rounds up every transaction to the nearest dollar and transfers the amount from your Varo Bank Account to your Savings Account.

Make deposits and transfers

Set up direct deposit and get paid up to two days early.

Deposit checks easily (iOS only, coming soon to Android).

Deposit cash at 90,000+ retail locations using Green Dot Reload @ the Register. Retail service fee applies.

Add all your external account info to see everything and make transfers in the app.

Pay your way

Get a Varo Visa Debit Card (not a prepaid card) you can use anywhere Visa debit cards are accepted.

Connect your account to digital wallets like Venmo, Square, Paypal, and Cash App.

Add your card to Apple Pay™ and Google Pay.™

Send a paper check—we’ll mail it for you for free!

Serious security

Your money is FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC.

Instantly lock your card in the app and get automatic account alerts.

Stay protected from unauthorized charges with Visa Zero Liability.‡

We’ll never sell your data, and we keep it safe with powerful 256-bit AES encryption, access control, secure processes, and audits.

Get a Varo Bank Account today!

Applying won’t impact your credit score.

Varo Money, Inc. | NMLS #: 1547251 | Licenses | NMLS Consumer Access

*Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

^Source: BankRate, 2019

‡You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

Bank Account Services provided by The Bancorp Bank. Your deposits are FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC. The Varo Visa Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.

Apple Pay is a trademark of Apple Inc.

See the Varo Bank Account Agreement and Varo Savings Account Agreement for terms and conditions.

Varo Personal Loan and Varo Backup Line offered by Varo Money Inc. under state licenses; subject to application approval. NMLS#1547251

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program.