Varo: Existing Users Only

Our mission is to improve your financial health. Varo's app also has features to help with better budgeting, saving, goals, and tracking for all your accounts. It’s banking for the future.

***A safe & secure mobile bank account ¹ for your iPhone, minus the unnecessary fees.***

Dealing with money is complicated enough already. With Varo, you never have to worry about hidden fees. It’s your money, and you deserve to know what fees you’ll pay and when.

$0 ATM fees at over 55,000 Allpoint ATMs worldwide
$0 monthly service fees
$0 minimum balance fees
$0 foreign transaction fees
$0 card replacement fees
Visa Debit Card with EMV chip
Early access to your direct deposit, up to 2 days faster.²
Plus, as a Varo banking customer, you can earn 1.35% Annual Percentage Yield ³ (vs. an average 0.02% with the biggest banks) on a Varo Savings Account.

***A safe & secure mobile bank account that aggregates all of your other financial accounts.***

See your full financial picture in the Varo app by linking all your checking, banking, savings, loans, and credit cards. All of your accounts and cards in one place.

***A safe & secure mobile bank account, with an all-in-one cash flow forecast.***

The new Varo Forecast helps you know how much you can really spend each month, no more mental math required.

The Varo Forecast provides a:
Summary of your current balances
30-day view of your cash flow health
Income and upcoming bill predictions
Recommended actions to effectively manage your finances

***A safe & secure mobile bank account that’s designed to keep your spending under control.***

It’s easy to set spending goals—like cutting back on restaurants—and we’ll track it for you so you can sit back, spend less, and save more.

Plus, we recommend actions to improve your financial health based on your personalized goals and needs.

***A safe & secure mobile bank account, safe and secure.***

When you keep your money with Varo, we take our responsibility to protect it seriously. We protect your data with bank-level security.

When you open a Varo Bank Account, you’re backed by:

FDIC insurance up to $250,000 on your deposits through our partner The Bancorp Bank; Member FDIC
Fraud protection through Visa’s Zero Liability policy ⁴
Advanced 256-bit AES level encryption

¹ Bank Account Services provided by The Bancorp Bank; Member FDIC. The Varo Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted.
² Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.
³ Varo APY is accurate as of 05.09.2018. Keep in mind, this rate is variable and may change. APYs for other banks reflect the top 5 national banks provided by mybanktracker.com and are accurate as of 05.09.2018. The balance in Savings must be at least $0.01 to earn interest.
⁴ You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.