Why Varo?

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

Have Android?   Get Early Access
Download iOS
Have Android?   Get Early Access

Hassle-free banking


Varo Bank Account

Fee-free mobile bank account.


Varo Savings Account

1.75% 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
Have Android?   Get Early Access
Download iOS
Have Android?   Get Early Access
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