Fees apply to out-of-network withdrawals & cash deposits.* Open a Varo Bank Account to start qualifying.
4.9
216k App Store Reviews
4.7
230k Google Play Reviews
Get to your next big thing (and the next and the next) with Varo.
Cash Advance
Cash Advance will spot you. Seriously.
When the unexpected happens, hit up Varo Advance for up to $500³—one of the biggest advance amounts⁸ that’s easy, has no interest, and one flat fee. Start out by borrowing smaller amounts and grow your limit over time.
Flat fee applies based on loan amount; fees range from $1.60-$40. Quals apply.
Line of credit
Skip the BS and borrow up to $2,000.¹
Receive your money in just seconds once approved. The best part? No subscription fees, no late or hidden fees, and affordable monthly payments. Quals apply.
Banking with no surprise fees
MONEY SHOULDN'T COST YOU A THING
Automatic Cashback
GET 3% CASHBACK⁹—OR MORE!
Earn cash automatically at over 10,000 merchants nationwide. No sign up required. Just shop and earn.
Direct Deposit
EARLY PAYDAY.² ‘NUFF said
Up to two days early. That's how fast you can get your paycheck with direct deposit.² Plan your budget, treat yourself, take care of that bill—the cash is yours.
Up to 5.00% Annual Percentage Yield (APY)
Get your savings high. Like, really, high.
Got big money dreams? Grow your savings faster with one the highest savings rates in the country.¹⁰ That’s right, qualify for up to 5.00% APY on up to $5,000 and earn 2.50% APY on everything else.⁵
Fee-free cash deposits
Deposit cash for free at CVS®
No bank branch? No problem. Now, you can easily deposit your cash fee-free at over 7,500 CVS locations nationwide.¹¹
Grow your credit score
BETTER CREDIT STARTS HERE.
Take the first step and start tracking your credit score for free in the Varo app.¹² Then, you can easily help build your credit with the Varo Believe Visa Credit Card⁴ on everyday purchases. On average, customers see a 40+ point increase after 3 months of on-time payments when using the Varo Believe Visa Credit Card.¹³
MOMENTS OF PROGRESS¹⁴
“It's the first time a bank has had my back. It's been a game changer.”
Tracey W.
“I feel more confident, because I have more control of my money."
Bryan A.
“My finances have improved a lot. I’m not spending money I don’t have.”
Daniela C.
“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.
“Varo has changed the way I think about money.”
Derrome E.
Security & FDIC Insurance
Security & FDIC Insurance
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.
MAKE YOUR MONEY DO WAY MORE.
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