Varo Banking

Full-service banking with no fees.

FIRST, DITCH FEES:
Open a no-fee Varo Bank Account and get a Varo Visa® Debit Card you can lock instantly in the app.
• No fees at 55,000+ Allpoint® ATMs worldwide
• No foreign transaction fees
• No monthly maintenance fee or minimum balance requirement
• No ACH transfer fee
• Get paid up to 2 days early with Direct Deposit*
• Use Google Pay™ and Samsung Pay™ for quick and easy payments

NEXT, MANAGE MONEY EASILY:
Take the work out of staying on top of your money.
• 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

THEN, SAVE AND EARN MORE:
Save and earn money automatically when you open a high-yield Varo Savings Account.
• Automatic savings tools let you save money without thinking
• No minimum balance requirement to earn interest
• Start earning 2.12% APY*, then earn up to 2.80% APY* as long as your balance doesn’t exceed $50,000 and you meet both of these requirements:
• Receive payroll or government direct deposits totaling at least $1,000 per month into your Varo Bank Account
• Use your Varo Visa® Debit Card for at least 5 purchases each month (excluding ATM or Over-the Counter Cash Withdrawals and P2P transfers)

REMEMBER, YOU’RE PROTECTED:
Your security is our priority.
• Deposits are FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC
• Your money is protected with Visa Zero Liability‡
• Your data is protected with advanced 256-bit AES level encryption, access control, secure processes, and audits

NEED A HAND?
You can contact Utah-based Customer Service, 7 days a week.

LEGAL THINGS
If you’re a current customer with a Varo loan, we strongly recommend you do not switch to the Android app right now. We’ll start offering lending services for Android early next year!

¹Varo charges no fees for banking services. While Varo does not charge fees for ATM withdrawals, some ATM operators will. To avoid ATM fees altogether, use an Allpoint® Network ATM. There are more than 55,000 Allpoint locations worldwide.

^Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.

*Varo Annual Percentage Yields (APYs) are accurate as of January 29, 2019. This rates are variable and may change. No minimum balance required to open account. Balance in Savings must be at least $0.01 to earn interest.

‡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; 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.
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What's New

We've made it easier to Find ATMs and Transfer Money using Android app shortcuts. From your Android home screen, simply press and hold on the Varo icon to reveal these two handy shortcuts.
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Additional Information

Updated
May 11, 2019
Size
13M
Installs
100,000+
Current Version
1.3.1
Requires Android
5.0 and up
Content Rating
Everyone
Permissions
Offered By
Varo Money, Inc.
Developer
111 Sutter, 13th Floor, San Francisco 94104
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