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Varo Bank: Online Banking

Varo Bank: Online Banking

Early Payday & Cash Advances

234K ratings
661 reviews
#42 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 1, 2020
  • August 3, 2026

Features

Developer

Varo Money inc
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Varo Bank: Online Banking screenshot #1 for iPhone
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Varo Bank: Online Banking screenshot #7 for iPhone
Varo Bank: Online Banking screenshot #8 for iPhone
Varo Bank: Online Banking screenshot #9 for iPhone
Varo Bank: Online Banking screenshot #10 for iPhone
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📉no. 42
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About

This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

✓Early payday access
✓No monthly or overdraft fees
✓Cash advances up to $500
✓High APY on savings
✓Auto-saving tools
✓Free secured credit card
✓Send money easily
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What users say

Summarized from real user reviews of Varo Bank. Based on 234K reviews and a 4.9/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 💳Great credit building card
  • 🚀Fast and efficient banking
  • 🔒Secure credit and debit cards
  • 💰Competitive interest rates
  • 💳Helpful advance and borrowing features

Negative things

  • 🕰️Slow mobile check deposits
  • 🤖Ineffective customer service
  • 🔒Difficulty accessing accounts during maintenance
  • 💰Restrictive transfer and deposit limits
  • 🐛Technical issues with app and transactions
See all reviews
+1

What's New in Varo Bank

4.37.1

August 3, 2026

Big news: Zelle® has officially landed in the Varo app! Whether you’re paying a friend back for dinner, splitting rent, or chipping in for a group gift, you can now send and receive money in minutes,⁴ fee-free.

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Charts

Top Free

📉 42-3

Finance

This app dropped -3 positions in Finance chart.

Last updated on August 10, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Fix the app

Every time I click to find ATM button app closes. Please fix it and I’ll fix my rating.
J.Dot (#Aaaahugh)J.Dot (#Aaaahugh)

More money app scams

Yet another app with lots of promises and “here to help you” but really just scamming you out of so much money it’s like u got a small loan at 3000% interest…SCAM SCAM SCAM
smithy8472smithy8472

Discrimination of Permanent Residents

You can have an account at Citibank or Bank of America but you cannot open with Varo because you are not a citizen. Yes even if you provide SSN you cannot go through. Trash.
Dean Florida 1981Dean Florida 1981

Dispute

I been with Varo three years they allowed a merchant to over charge me I filed a dispute and they denied my claim so no they are not a honest bank they allow merchants to over charge me without doing anything
abcdehgftyfvabcdehgftyfv

Love varo bank

This is the best bank I have ever had the experience is so awesome if varo bank was a woman I would take you out to dinner I love all the perks and the no fees is so awesome thank you for this bank I’m not going anywhere else I’m here to stay I love varo bank… Varo thank you… thank you for your Advance to get to my next work check thank you again greatest bank ever…
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dpt987dpt987
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User experience

🐞

Reported Bugs

4 issues

Accounts being closed without explanation

Bug

Funds disappearing or being inaccessible

Bug

Inconsistent app behavior and functionality

Bug

Issues with direct deposits and external transfers

Bug
✨

Requested Features

5 requests

Improve mobile check deposit processing times

Feature

Provide better customer service and communication

Feature

Increase transfer and deposit limits

Feature

Enhance app features and user experience

Feature

Offer more banking services and integrations

Feature

FAQ

What is Varo Bank?

Varo Bank is a real bank built for the digital age, offering a full suite of online banking services. It is Member FDIC and provides features like early payday, cash advances, and high-yield savings accounts.

What are the key features of Varo Bank?

Key features include early payday access, no monthly or overdraft fees, over 40,000 fee-free ATMs, high APY on savings, auto-saving tools, cash advances up to $500, a free secured credit card, and the ability to send money easily.

How much does Varo Bank cost?

Varo Bank is free to use, with no monthly fees, minimum balance requirements, or overdraft fees. Cash advances and lines of credit have flat fees, and the secured credit card is also free.

Is Varo Bank available on different devices?

While the description doesn't explicitly state compatibility, it is presented as a mobile application, implying availability on smartphones and tablets. Users can sign up in under two minutes.

What are the benefits of using Varo Bank for cash advances and credit building?

You can borrow up to $250 instantly by linking a qualifying account, with potential to increase to $500 with direct deposit. The free secured credit card has no credit check, interest, or annual fees, and its activity is reported to major credit bureaus, helping you build credit.