Varo Bank: Online Banking

Varo Bank: Online Banking

Early Payday & Cash Advances

233K ratings
692 reviews
#39 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 1, 2020
  • August 20, 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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What's New in Varo Bank

4.39.0

August 20, 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

📈 39+1

Finance

This app rose +1 position in Finance chart.

Last updated on August 30, 2026.

User reviews

Don’t believe what you read about Zelle

Unless you deposit directly with this bank, you can’t even use Zelle. They give me an option to spend at least $1000 a month and then maybe I can use them but that doesn’t help my situation nor do they even say that on their app preview.

Awesome Customer Service

My Card Problems were all solved by professional Customer Agents.

iPhone sucks

Days I always owe them money so I can’t update so I can’t get into my Varo account cause it needs to be updated I can’t wait to switch back to android!

Easy Banking

Been a long time member love building my credit and savings and checking All IN ONE !!!!

THEY DONT HELP YOU

I had a scam situation that I literally called them 3 HOURS after I paid it to someone who told me that I wasn’t getting a refund and have the call recording to prove it. Called the dispute line and told them everything and how I had proof, the guys Carlos was gone for 1 literal minute and told me to work it out with the merchant. I told him again that that person LITERALLY said no to refunding me because as a private merchant they can basically. But Varo policies sides with the merchants and not the buyers. GO TO A DIFFERENT BANK. They will tell you the managers will tell you no if you ask for one. I told him to just tell me that my money is gone and Carlos kept sighing HEAVILY in my hear. Don’t waste your time please and go with a company that will make sure you get your money back.
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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.