Why Varo?

Mobile, convenient access to all the banking tools you need.

Hassle-free banking


Varo Bank Account

Fee-free mobile bank account.


Varo Savings Account

2.10% Annual Percentage Yield.^


Varo Personal Loans

Apply in just a few taps.^^


Fee-Free Philosophy

No banking fees of any kind.

Better money management


Accounts Tab

All your accounts in one place.


Varo Forecast

Know your leftover money.



Set goals & track your spending.



Personalized recommendations.

Convenient banking for your mobile lifestyle

Deposit funds

  • Early Direct Deposit. Get paid up to 2 days early.**
  • Bank Transfers. Easily move funds in and out.

  • Mobile Check Deposit. Deposit checks from your phone.

  • Easy Transfers. Link Venmo, Square, Paypal, & Cash App.

  • Deposit Cash. At participating retailer locations nationwide (merchant fees apply).

Payments and cash

  • Varo Visa® Debit Card***. Make purchases everywhere.
  • Free ATMs. Fee-free at 55,000+ AllPoint locations.

  • Apple Pay™. Use Varo with Apple Pay or Apple Pay Cash.

  • Transaction Alerts. Stay on top of your account activity.

Pay bills

  • Direct debit. Pay bills online with your Varo account info.
  • Send Paper Checks. We’ll mail any check for you.

  • Bill Pay Calendar. Never miss a bill due date again.


  • Security. Varo account deposits are insured to at least $250,000 through The Bancorp Bank; Member FDIC.
  • Safety. Your Varo Card is secured through the Visa Zero Liability Policy.****

  • Privacy. Your data is protected through strong encryption, access control, secure processes, and audits. We will NEVER sell your data.


Need help? You can reach us in many ways!

  • Visit our Help Center to find answers to frequently asked questions
  • Email us at help@varomoney.com
  • Call us at 1 (800) 827-6526. Customer Support Agents are available to answer your calls Monday through Friday, 6 a.m. to 9 p.m. and Saturday and Sunday, 8 a.m. to 6 p.m. PST

Get started

Apply for a Varo Bank Account now. The in-app application takes 5 minutes or less.

No credit check required Varo Money iPhone app

Your Varo Bank Account is provided by The Bancorp Bank, Member FDIC, and is insured to at least $250,000.


Varo can disrupt big banks and build a more cost-effective and consumer-friendly platform that appeals to Millennials

[Varo’s] mission revolves around helping customers improve their financial situation

Varo’s aim is to provide a suite of app-based tools for customers’ financial health

Varo Money is an app that could replace a traditional bank account

Varo is a no-fee, all-in-one banking solution aimed at millennials… if you’ve lost your free account, ‘come to Varo, you’re welcome here

Varo’s machine-learned algorithms detect customer’s income and expenses, and then predict outcomes over the near-term future — linked to a system of notifications, recommendations and tracking