Varo Bank: Online Banking

Varo Bank: Online Banking

Early Payday & Cash Advances

233K ratings
629 reviews
#50 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 1, 2020
  • July 13, 2026

Features

Varo Bank: Online Banking screenshot #1 for iPhone
Varo Bank: Online Banking screenshot #2 for iPhone
Varo Bank: Online Banking screenshot #3 for iPhone
Varo Bank: Online Banking screenshot #4 for iPhone
Varo Bank: Online Banking screenshot #5 for iPhone
Varo Bank: Online Banking screenshot #6 for iPhone
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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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

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+1

What's New in Varo Bank

4.36.0

July 13, 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,³ fee-free.

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Charts

Top Free

📈 50+2

Finance

This app rose +2 positions in Finance chart.

Last updated on July 20, 2026.

User reviews

What a joke!

On July 15th I placed an order thru Door Dash for Popeyes Chicken at a cost of $48.21 unfortunately my food came and was totally incomplete and wrong… I took pics and sent to Door Dash they denied my request for refund or adjustment. I had to wait for this charge to post and I proceeded to call Varo to file a dispute, I was told that Varo is not responsible, I did not say they were responsible! I just wanted a refund for not receiving my complete order. Guess I now know that I got fleeced for $48.21 And Varo did not help. Thanks for nothing!
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Varo is unlawful

I’ve had Varo for years and enjoyed their high APR savings account. They recently closed my account without warning and now I have to wait a month to receive my funds. I was given no other course of actions. They didn’t even provide a reason within the closure email. Now I’m without bill, gas, grocery, or rent money. Thanks Varo.
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App Needs Work

Please remove the auto-populating of what account is “transferred from” and “transferred to”. Just allow the user to select. I have countlessly transferred money in error because you have automatically put the accounts instead of letting the choice be made by the end user. ALL other banks leave the choice up to the holder of the account. It used to be like this then you changed it.
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Eve__24

Love this bank and if you need to call they answer so fast than the other banks highly recommend it 💜💜

Logging in issue / closed my account for no reason

.The issue is logging in so buggy it’s very annoying . I have business accounts I forgot open and it’s still open lol not Varo closed it thank god i got another credit from another bank

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.