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COMING SOON! BORROW UP TO $2,000 WITH VARO LINE OF CREDIT*

SIGN UP FOR VARO AND JOIN THE WAITLIST




MAKE MONEY. THEN MAKE IT (ALL) HAPPEN.



Instead of asking yourself “what now?” ask yourself: “what’s next?” That next
chapter, next step, next goal —make it happen by making the most out of your
money.

Get Started




SEE WHY MILLIONS OF PEOPLE LOVE VARO.

4.9



177k App Store Reviews

4.7



204k Google Play Reviews





GET TO YOUR NEXT BIG THING (AND THE NEXT AND THE NEXT) WITH VARO.


BANKING WITH NO SURPRISE FEES




HIGH-YIELD SAVINGS




BELIEVE CREDIT BUILDER CARD




INSTANT CASH ADVANCE




NO MONTHLY FEES •

NO OVERDRAFT FEES •

NO IN-NETWORK ATM FEES •

NO ZELLE® FEES •

NO MINIMUM BALANCE FEES •

NO MONTHLY FEES •

NO OVERDRAFT FEES •

NO IN-NETWORK ATM FEES •

NO ZELLE® FEES •

NO MINIMUM BALANCE FEES •

NO MONTHLY FEES •

NO OVERDRAFT FEES •

NO IN-NETWORK ATM FEES •

NO ZELLE® FEES •

NO MINIMUM BALANCE FEES •

NO MONTHLY FEES •

NO OVERDRAFT FEES •

NO IN-NETWORK ATM FEES •

NO ZELLE® FEES •

NO MINIMUM BALANCE FEES •

NO MONTHLY FEES •

NO OVERDRAFT FEES •

NO IN-NETWORK ATM FEES •

NO ZELLE® FEES •

NO MINIMUM BALANCE FEES •

NO MONTHLY FEES •

NO OVERDRAFT FEES •

NO IN-NETWORK ATM FEES •

NO ZELLE® FEES •

NO MINIMUM BALANCE FEES •




BANKING WITH NO SURPRISE FEES


MONEY SHOULDN'T COST YOU A THING



To grow your money, you have to take steps forward—not backward. That's why
you'll never have to deal with unnecessary, hidden, or tricky fees and charges.

Learn More



DIRECT DEPOSIT


EARLY PAYDAY.¹ ‘NUFF SAID



Up to two days early. That's how fast you can get your paycheck with direct
deposit.¹ Plan your budget, treat yourself, take care of that bill—the cash is
yours.

Learn More




CASH ADVANCE


CASH ADVANCE WILL SPOT YOU. SERIOUSLY.
UP TO $500



When the unexpected happens, hit up Varo Advance for up to $500²- one of the
biggest advance amounts³ that’s easy, zero-interest, and affordable. Start out
by borrowing smaller amounts and grow your limit over time.

Learn More



SO MANY WAYS TO SEND CASH


VARO TO ANYONE? CHECK.


ZELLE®? DOUBLE CHECK.



It's never been easier to send money to your friends and family - Varo to Anyone
lets you send money to anyone (no matter where they bank!) and unlike other
money apps, we've got Zelle® directly in the Varo app.⁴

Learn More



GROW YOUR CREDIT SCORE

BETTER CREDIT STARTS HERE.



Take the first step and start tracking your credit score for free in the Varo
app.⁹ Then, you can easily help build your credit with the Varo Believe Card⁵ on
everyday purchases.



On average, customers⁶ see a 42+ point increase after 3 months of on-time
payments when using the Varo Believe Card.

Learn more



CUSTOMER TESTIMONIAL

“MY FINANCES HAVE IMPROVED A LOT. I’M NOT SPENDING MONEY I DON’T HAVE.”

Daniela C.


CUSTOMER TESTIMONIAL

“I FEEL MORE CONFIDENT, BECAUSE I HAVE MORE CONTROL OF MY MONEY."

Bryan A.




CUSTOMER TESTIMONIAL

“IT'S THE FIRST TIME A BANK HAS HAD MY BACK. IT'S BEEN A GAME CHANGER.”

Tracey W.






$ECURITY & FDIC INSURANCE

SECURED AND INSURED



$ECURITY & FDIC INSURANCE

SECURED AND INSURED WITH THE
.

Your money is seriously covered. Up to $250,000, to be exact. Not only are your
deposits FDIC-insured, we’re also an independent bank with our own banking
charter.

Learn More


MAKE YOUR MONEY DO WAY MORE.

Signing up takes 2 minutes.

Get Varo



MOMENTS OF PROGRESS ⁸



“Something I love about the cash advance is that I can borrow the money without
asking anyone else.“

Bryan A.

“The Advance really helps out when things get tight because sometimes the ends
don't always meet.”

Demeiia R.

“The Believe card has really improved my credit.“

Malcolm T.

“The Believe card has definitely helped my credit score go up.”

Daniela C.

“Varo has changed the way I think about money.”

Derrome E.

“It taught me how to budget and I thought that was awesome.”

Tracey W.


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© 2024 Varo Bank, N.A.

All Rights Reserved

Member FDIC.

Terms & ConditionsPrivacy PolicyLegal Documents
The Varo Visa® Debit Card is 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.
* The Varo Line of Credit waitlist is a priority list. Your position on the
waitlist does not guarantee that you will have the opportunity to apply or that
you will be approved for this product. Waitlist ranking is calculated daily
based on prior 31 day activity. Your waitlist number is calculated by several
factors including direct deposit amounts to your Varo Bank Account, your
spending amounts on your Varo debit and Believe cards, the number of recurring
bills paid with your Varo account and the number of lifetime Varo Advance
on-time payments. Your waitlist position may move up or down due to these
factors as well as the activities of other waitlisted customers. If you qualify,
you may be offered $600-$2,000, depending on your activity with Varo.
Eligibility required. To be eligible, your accounts must maintain a positive
balance. Minimum monthly deposits, average daily balances, and other eligibility
requirements apply. Varo rewards healthy account activity and money management.
We’ve built the best products to help you live your best financial life. We
encourage you to bring your financial life to Varo, but please avoid spending or
taking Varo Advances loans solely to improve your spot on the Varo Line of
Credit waitlist. Recurring bills will be captured to the extent that they can be
identified.
¹  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.
²  Varo Advance is a small dollar line of credit.  To qualify for Varo Advance
you must have an active Bank Account and qualifying direct deposits (QDD) of at
least $800 during the current or previous calendar month.  Your Varo Bank
Account and/or Savings Account must not be overdrawn, and any prior Varo Advance
payments must have been made timely. 
Once qualified for Varo Advance, you will be assigned a credit limit from $20 to
$250, based on your account activity and balance(s), your direct deposits,
history of timely Advance repayments, and other risk-based factors.  Your credit
limit may increase gradually over time based on these factors. The maximum
Advance amount is $500. Your eligibility and credit limit are evaluated daily,
and may change at any time.  You may only take one Advance at a time.  Your
current limit is always available to you in the home screen of your Varo app.
QDD are electronic deposits of your paycheck, pension or government benefits
(such as Social Security or unemployment) from your employer or government
agency to your Varo Bank Account and/or Varo Savings Account. Tax refunds and
government stimulus payments, Person-to-Person payments (such as Venmo and Varo
to Anyone), and funds deposited using a Varo routing number are not considered a
direct deposit. 
³ Based on November 2023 internal Varo research among single standalone loans
with repayments of 30 days or less, no subscription fees or early wage payment
requirements.
⁴  To be eligible to enroll in Zelle® at Varo, your account must be open for
over 90 days and you must have qualifying direct deposits of $1,000 or more in
the last 31 days. Once enrolled, you will be able to access Zelle® at Varo.
Access can be removed at any time if you do not follow our Terms and Conditions,
or if you engage in fraudulent activity. 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.
⁵  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.
To be eligible to apply for the Varo Believe Card, you need to have received
Incoming Deposits of $200 or more in the past 31 days to your Varo Bank Account
and/or Savings Account. Incoming Deposits include any deposit into your Varo
Bank Account and/or Savings Account from any source outside of Varo, Varo to
Anyone transfers between Varo customers, and final dispute credits.
⁶  Customers who had an existing credit score showed an average score increase
of approximately 42 points after three months of timely payments on the card and
no late payments on all their credit. Individual results may vary.
Some customers may not see an increase, but customers with bad or thin credit
histories are likely to see the biggest positive impact on their score from
using Varo Believe and making consistent on-time payments.
Score increase is based on the VantageScore 3.0, a credit score alternative to
the FICO score. VantageScore and FICO use different models and weigh factors
differently when determining a credit score.
⁷ Annual Percentage Yields (APY) are accurate as of January 31, 2024. Rates may
change at any time without prior notice, before or after the account is opened.
You start out earning 3.00% APY on your savings. To qualify for 5.00% APY (on up
to $5,000) the following month, you must meet two requirements: 1. Receive
qualifying direct deposit(s) totaling at least $1,000; and 2. End the current
month with a positive balance in your Varo Bank Account and Savings Account.
Once you qualify, any additional balance over $5,000 will earn 3.00% APY.
⁸  Testimonials reflect real experiences of Varo customers. Results and
experiences may vary. 
⁹ Varo displays credit data at our discretion to customers that opt in.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services,
LLC and are used herein under license.