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Varo Zelle

Sending and receiving money just got easier.

Check out Zelle®, now in your Varo app.1

Get Started


Do even more of your banking right from your Varo app with Zelle®. Pay your rent. Split the cost of a bill. Get paid back for dinner. Varo and Zelle® make it easy to send and receive money between people you know and trust, no matter where they bank.2 And did we mention it’s fast? Like money-straight-into-your-bank-account-in-minutes2 fast.



Receive money directly from your account to theirs — typically in minutes2.


Send and receive money using just an email address or U.S. mobile number, so your bank account information stays protected.(Some tips to stay safe with Zelle® )


As in zero fees. We charge absolutely nothing to send and receive money with Zelle® in your Varo app.3

Start sending and receiving money with Zelle®:


Log into your Varo app.


Find Zelle ® under Move Money


Follow the instructions to enroll.1

You’re ready to use Zelle.®

Zelle® Frequently Asked Questions

Are there any fees to send money using Zelle® ?

No, there are no fees to send or receive money with Zelle® from your Varo app.

Message and data rates from your mobile service provider may apply.

How do I enroll in Zelle® at Varo?

To get started, log into your Varo app, choose Zelle® under Move Money, then follow the prompts to enroll.

To be eligible to enroll in Zelle® at Varo, you must have a qualifying direct deposit in the last 31 days. Once enrolled, you will always be able to access Zelle® at Varo.

Varo customers that have had any Zelle® transaction in their Varo Bank Account prior to November 3, 2022 will be eligible to enroll in Zelle® at Varo.

How do I use Zelle®?

You can send, request, or receive money with Zelle® in your Varo app.

To send money using Zelle®, simply choose someone from your trusted contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review and confirm, then hit “Send” The recipient will receive an email or text message via the method they used to enroll with Zelle®. Money is available to your recipient in minutes2 if they are already enrolled with Zelle®.

To request money using Zelle®, choose “Request,” choose the individual you’d like to request money from, enter the amount and include an optional note, review, then hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you’ll need to use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you’re already enrolled with Zelle®, you don’t need to do anything else. The money will be sent directly to your Varo account, typically within minutes2.

If someone sent you money with Zelle® and you haven’t set it up yet, follow these steps:

  1. Tap the link in the payment notification you received via email or text message.
  2. Choose Varo Bank.
  3. Follow the instructions to enroll with Zelle® and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification. You should enroll with Zelle® using that email address or U.S. mobile number to be sure you get your money.

Can I use Zelle® at Varo if I already use Zelle® at another bank?

If your U.S. mobile number or email address is associated with another bank and you want to send and receive money using your Varo Bank account instead, you can change it when you enroll with Zelle® in your Varo app.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. Contact us via Chat from your Varo app and ask to move your email address or U.S. mobile number to Varo so you can use it for Zelle®.

Once we move your email address or U.S. mobile number, it will be connected to your Varo account so you can start sending and receiving money with Zelle® through your Varo app.

Is my information secure?

Keeping your money and information safe is a top priority for Varo. When you use Zelle® in your Varo app, your information is protected with the same technology we use to keep your Varo account safe.

Who can I send money to with Zelle®?

Zelle® is a great way to send money to family, friends, and other people you know and trust, like your personal trainer or babysitter.

Since money is sent directly from your Varo account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family, and others you trust.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Varo nor Zelle® offers a protection program for any authorized payments made with Zelle®, like if you don’t receive the item you paid for or the item is not as described or as you expected.

Find more info on using Zelle® securely here.

Are there any limits for sending and receiving money with Zelle®?

There are no limits to how much money you can receive with Zelle®; however, keep in mind that the person sending you money may have limits set by their own financial institutions.

Check Zelle® in your Varo app for the most updated maximum send limit that Varo has set. The minimum you can send is $1.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.” If you do not see this option available, please contact us via Chat for assistance with cancelling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and can’t be canceled. That’s why it’s important to send money only to people you trust, and always be sure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please contact us via Chat from your Varo app so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or U.S. mobile number) are made available by Varo but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that’s scheduled in advance if the money has not already been deducted from your account.

Can I use Zelle® internationally?

To use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.