Varo Bank: Online Banking

Varo Bank: Online Banking

Early Payday & Cash Advances

233K ratings
710 reviews
#44 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 1, 2020
  • September 14, 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

4.40.0

September 14, 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

📈 44+1

Finance

This app rose +1 position in Finance chart.

Last updated on September 22, 2026.

User reviews

Check submission banned and no communication

I’ve been banking with these guys for about 6 to 7 years now and there’s always been issues submitting checks, digital checks, printed checks whatever. I got a state income refund check tried to submit it online and my account fully got banned and then they told me that. They were going to reinstate my account but I’m banned from submitting checks. I thought having an online bank would be great, but it’s turned out to be more of a hassle than anything. I thought I don’t get it. Is it the photos? It’s obnoxious because standalone banks take these checks. And is the customer service so bad especially for someone that’s been banking with them for a while. 3.75% is cool but overall the experience with Varo has been really disappointing.
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Dark mode

Needs dark mode and 2fa and it’ll be damn near perfect

Trying to make varo my main bank and the DD for zelle kinda annoying… and major inconvenience atm

Fraud

I received notification on a nsf charge to my account. No transaction occurred. Help & Support Chat Bot “fraud” gave me 877 number to call. The 9 option menu did not fit my criteria and was directed to go to chat to resolve.
Chat: got a rep who again referred me to the 877 number. End result closing account do to very poor customer service.
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App full of lies

I’ve had this app for over a month now and almost everything advertised turned out to not be true. The only thing that is true is getting paid early. I’d had multiple checks over $1,000 come in and they offer me a $20 borrow limit and want me to connect another bank account to get a line of credit although all my money goes to Varo. I’ve referred friends that got money deposited and haven’t received it be dollar yet. Not to mention customer service doesn’t know anything and rude. Absolutely hate that I wasted my time with this raggedy app
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Bad bank

I have gotten paid on time every two weeks of 1000 or more and they won’t give me any barrow over 20 dollars they gave me before I got paid and I paid when I got my first check and they have not let me borrow again or anything just go to chime guys I’m Jalontae Johnson and I approve this review for people working and needing help from you bank sometimes chime is the love and the love
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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.