Varo Bank: Mobile Banking

153K reviews
Content rating
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About this app

Join the first all-digital bank in the country!

Varo Bank Account: Rated 4.5/5 stars by Nerdwallet
• Forget monthly fees and minimums
• Get a contactless Varo Bank Visa® Debit Card you can instantly lock in the app
• Get paid up to 2 days early^
• Access 55,000+ fee-free Allpoint® ATMs in stores like Target, CVS, and Walgreens^^
• Instantly send money to anyone who uses Varo
• Track spending and account activity with instant alerts
• Link external accounts to see all your finances in one place
• Transfer money to and from external accounts

Varo Believe: Credit building*
• Get a credit building credit card with no minimum security deposit once you qualify
• Build credit with everyday purchases while avoiding runaway debt
• No Annual Percentage Rate (APR) and no annual fee

Varo Advance: Cash advance
• Borrow up to $100 once you qualify^^^
• Cover unexpected expenses

Cashback and partner offers
• Get up to 6% cashback when you use your Varo cards at select brands.**
• Take advantage of partner offers to save and earn even more

Varo Savings Account: Rated best online savings account by Newsweek
• Watch your money grow with a high-yield savings account
• Use automatic savings tools to save money effortlessly
• No minimum balance required to open an account, minimum balances to earn interest apply

Varo Security
• Get reimbursed for unauthorized transactions with Visa Zero Liability***
• Securely lock and unlock your debit card if you misplace it
• Your data is protected with advanced encryption, access control, secure processes, and audits

Download Varo today! Applying won’t impact your credit score.

^We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

^^There is no fee to withdraw money from any Allpoint® ATM. There is a $2.50 ATM cash withdrawal fee assessed by Varo Bank for all non-Allpoint® ATM transactions (out of network transactions). The ATM operator may also charge an additional fee.

^^^Varo Advance is a small dollar line of credit, which must be repaid. Qualifications apply, including direct deposits to your Varo Bank Account. Visit for more information.

*Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. Building credit may take time and Varo Believe may be able to help when you consistently make on-time payments.

**Individual offers may vary. Automatically get cash in your Varo Bank Account every time you reach $5 in cashback. Cashback available on specific items or services purchased with your Varo Debit Card and Varo Believe Card at select brands.Offer details may vary, see the Perks tab for more details and current deals. The maximum Cashback that can be earned is fifty dollars ($50 USD) per calendar month.

***You must notify Varo Bank immediately of any unauthorized use. For specific restrictions, limitations, and other details, please contact Varo Bank.

© 2022 Varo Bank, N.A. All Rights Reserved. Member FDIC.
The Varo Visa® Debit Card and the Varo Believe Card are issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.
Updated on
Nov 17, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Files and docs, and App info and performance
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted
153K reviews
darrell webb
November 12, 2022
I wasn't asked to do this review, and I normally don't go out of the way to do them, but this app really is as advertised. I originally got this banking app for a direct deposit place and quickly realized it worked very well. I always get paid two days early. After a couple months I looked into the believe program and started using it. After my first month my credit increased 64 points! A great tool and to me, a much better option then other secured credit cards that have high interest rates.
39 people found this review helpful
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John Boon
November 7, 2022
I can't transfer any money out of my varo account. Tried everything already: Clearing the cache, storage, uninstalling the app and reinstalling it, unlinking and relinking bank accounts, calling customer service and they have no idea what to do and in the meantime I get charged for late payment on my credit cards because I don't have the money to pay! So basically I can't use my money I get from direct deposits. I have wasted so much time into this! That's so BS and so frustrating !!!!
45 people found this review helpful
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Varo Bank, N.A.
November 8, 2022
We're sorry to hear about your situation regarding transferring funds. Please reach out to so we can assist at
Sam Kennedy
October 13, 2022
works well. nice interface for folding phones. recently had an issue with the app not loading all the regular theme content and options. then I restarted my phone which fixed it. shouldn't have you had to do that just for the one app. otherwise works well. fast and efficient. the flexibility and app features are great. online banks are the way to go.
13 people found this review helpful
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What's new

We're making some changes to modernize the look & feel of the Varo app—with more updates on the way. Pardon our dust while we spruce up the place. As usual, this release also includes bug fixes & performance enhancements. Keep sending us your feature suggestions by going to My Varo -> Help -> Suggest a feature.