Varo Bank: Mobile Banking

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 Advance: Cash advance
- Get up to $100 at the tap of a button once you qualify^^
- No “tips” or monthly subscription

Perks: Cashback and partner offers
- Get up to 15% cashback** at top retailers
- Take advantage of partner offers to save and earn even more

Varo Savings Account: Rated best online savings account by Newsweek
- Start earning 0.20% APY* and qualify to earn 3.00% APY* on a balance as little as a penny
- Use automatic savings tools to save money effortlessly
- No minimum balance required to open an account 

Varo Security
- Your deposits are FDIC insured up to $250,000 through Varo Bank, NA; Member FDIC
- Your data is protected with advanced encryption, access control, secure processes, and audits

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

^Early access to direct deposit funds depends on timing of the payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.
 
^^To qualify for a Varo Advance your account must be at least 30 days old with a balance of $0.00 or greater, with qualifying direct deposits in the Varo Bank Account and/or Varo Savings Account of at least $1,000 over the past 31 days.  Your Varo Bank Account and/or Savings Account must not be overdrawn, and your Varo Bank Account cannot be suspended or closed.  For $20 Advances, your qualifications will be evaluated daily.  For Advances over $20, fees apply, and your payment history and qualifications will be reviewed monthly for any credit limit increases.  To continue to qualify for Advances, payments must be made timely. Visit varomoney.com/cash-advance for information on qualifying direct deposits and fees.
 
*Annual Percentage Yield (APY) is accurate as of July 1, 2021. All Varo Savings Accounts earn 0.20% APY beginning on that date. APY is variable and is subject to change. No minimum balance required to open an account. Balance in Savings must be at least $0.01 to earn interest. To earn 3.00% APY, the Varo Savings Account must meet these requirements: Account Holder must 1) receive total qualifying direct deposits of $1,000 or more to a Varo Bank Account or Varo Savings Account in the same qualifying period. 2) The daily balance in the Varo Savings Account must not exceed $5,000. 3) Keep your Bank Account and Savings Account balances above or equal to $0.00 the entire calendar month. If these conditions are not met, you will earn 0.20% APY on the Savings Account balance for that period. The Qualifying Period is defined as the first day of the calendar month through the last business day of the calendar month.

© 2021 Varo Bank, N.A. All Rights Reserved.  Member FDIC.
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.