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Varo Bank: Online Banking

Varo Bank: Online Banking

Early Payday & Cash Advances

234K ratings
761 reviews
#78 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

Released
October 1, 2020
Updated
November 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 #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, fee-free banking, and competitive interest rates. Access instant cash advances, a line of credit, and a free secured credit card to build your credit history.

✓Early payday
✓No monthly or overdraft fees
✓Cash advances up to $250
✓Line of credit up to $2,000
✓Free secured credit card
✓Auto-saving tools
✓Zelle® integration
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What users say about Varo Bank

Reviews of Varo Bank are mostly negative: the Finance app is rated 4.9/5 from 234K App Store ratings. What users like most: great credit building card, fast and efficient banking. Top complaints: slow mobile check deposits, ineffective customer service. Summarized from real user reviews.

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
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+2

What's New in Varo Bank

4.44.0

November 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

📉 78-1

Finance

This app dropped -1 position in Finance chart.

Last updated on November 5, 2026.

User reviews

Most RecentHighest RatedLowest Rated

For the most part amazing

For advance, or loans it sucks! But as for a good bank for normal everyday shish then it’s well worth it!! Customer service is like robots they say no they mean no! They don’t work with you well!! They do respond quickly but it don’t help if they won’t help! So! Every case is different but on my end that’s my input!! Have a blessed day!! April8003
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Aapril8003

The best

Very best online banking app period.
PPerfect!!!!!!!1323

Don’t change

Maybe add dark mode… other than that don’t change! First bank actually helping me get on top if my money
MmaAdaAaaa

Varo doesn’t have Zelle

Keeps saying unlock these details den I unlocked them now it’s saying that my account isn’t eligible for Zelle like that doesn’t even make sense
UUnknownscams

WORSE BANK EVER!!

DO NOT BANK WITH VARO THEY WILL CLOSE YOUR ACCOUNT BECAUSE THEY WANT TO HAVE CONTROL ON WHAT YOU BRING IN AND TAKE OUT. AND DONT ADD A SECONDARY BANK WITH THEM THEY ARE JEALOUS AND EILL CLOSE YOUR ACCOUNT AND BAND UOH FROM EVER BEING ABLE TO OPEN ANOTHER ONE. AND THEY CUSTOMER SERVICE REPS TALK IN CIRCLES AND DONT SOLVE ANYTHING!!
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WTWife twist
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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 are the main benefits of using Varo Bank?

Varo Bank offers early payday, no monthly or overdraft fees, and competitive interest rates. Users can also access cash advances, a line of credit, and a free secured credit card for credit building.

How does Varo Bank's cash advance feature work?

You can borrow up to $250 today with qualifying. Over time, you can work up to $1,000 cash advances with direct deposit. A flat fee applies per cash advance.

Can I get a line of credit with Varo Bank?

Yes, Varo Bank offers a line of credit ranging from $600 to $2,000, with an average of $825 for qualifying users. It features no interest, late fees, or penalties, with simple flat fees and payment periods of 3 to 12 months.

Is Varo Bank a real bank?

Yes, Varo Bank is a real bank, Member FDIC, backed by the full faith and credit of the U.S. Government. Unlike many money apps, it operates as a regulated financial institution.

How secure is Varo Bank?

Varo Bank is a Member FDIC institution, meaning your deposits are insured up to $250,000. The app also offers features like secure credit and debit cards, contributing to a safe banking experience.

Does Varo Bank have ads?

No, Varo Bank does not contain advertisements. The app is free to use and does not display any promotional content within its interface.

What are the user reviews like for Varo Bank?

Varo Bank has a high rating of 4.9 stars from over 233,000 ratings. However, user review insights indicate a 'negative' overall sentiment, with pros like credit building and fast banking, but cons related to customer service and technical issues.

What devices is Varo Bank available on?

Varo Bank is available on iPhone and iPad devices. The app was last updated on November 3, 2026, with version 4.44.0.