Start banking better today.
Quick cash advance
Cash Advance will spot you. Seriously.³
When the unexpected happens, you can get up to $250 right away. Then set up direct deposit and build your way up to $700 over time, avg loan $170.³ It’s easy to use, has no interest, and simple, flat fees.
ⓘ Flat fee applies based on loan amount; fees range from $1.60-$100. Quals apply.
Personal line of credit
Borrow up to $2,000.¹
Varo Line of Credit is a great way to access cash when you need it. Loans range from $600–$2,000, with an average loan of $825.
Banking with no surprise fees
MONEY SHOULDN'T COST YOU A THING
Cashback offers near you
Cashback⁹ on gas, groceries, dining, and more
With Varo it’s easier than ever to get cashback offers where you already shop. Just activate in the Varo app and start earning.
Early payday
Get your paycheck up to 2 days faster
Just set up your direct deposit and get paid early.²
Up to 3.75% Annual Percentage Yield (APY)
Get your savings high. Like, really, high.
Got big money dreams? Grow your savings faster with one the highest savings rates in the country.¹⁰ That’s right, qualify for up to 3.75% APY on up to $5,000 and earn 1.00% APY on everything else.⁵
Fee-free cash deposits
Deposit cash for free at CVS®
No bank branch? No problem. Now, you can easily deposit your cash fee-free at over 7,500 CVS locations nationwide.¹¹
Grow your credit score
BETTER CREDIT STARTS HERE.
Take the first step and start tracking your credit score for free in the Varo app.¹² Then, you can easily help build your credit with the Varo Believe Visa® Credit Card⁴ on everyday purchases.
On average, customers see a 40+ point increase after 3 months of on-time payments when using the Varo Believe Visa Credit Card.¹³
4.9
216k App Store Reviews
4.7
230k Google Play Reviews
MOMENTS OF PROGRESS¹⁴
“It's the first time a bank has had my back. It's been a game changer.”
Tracey W.
“I feel more confident, because I have more control of my money."
Bryan A.
“My finances have improved a lot. I’m not spending money I don’t have.”
Daniela C.
“The Believe card has really improved my credit.“
Malcolm T.
“Varo has changed the way I think about money.”
Derrome E.
Security & FDIC insurance
Security & FDIC insurance
Your money is seriously covered. Up to $250,000, to be exact. Not only are your deposits FDIC-insured, we’re also an independent bank with our own banking charter.
MAKE YOUR MONEY DO WAY MORE.
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