Varo Bank Downloads & RevenueVaro Bank: Online Banking · App Store & Google Play
Varo Bank: Online Banking gets 5k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Varo Bank: Online Banking by Varo Money inc is on App Store and Google Play. Active Users (MAU & DAU), Downloads, rankings, keywords, revenue, and rating totals.
Varo Bank: Online Banking update history & changes
Last change · 29 events since 1 Oct 2020Full timeline ↓✏️iOSDescription updated📦AndroidNow updating weekly📦iOSUpdated to version 4.44.0✏️AndroidDescription updated✏️AndroidNew screenshots📦AndroidUpdated to version 4.43.1📦iOSUpdated to version 4.43.1📊iOSDownloads up ×3.1 in a week✏️iOSNew iPad screenshots🆕AndroidFirst spotted by AppInsider🆕iOSFirst spotted by AppInsider🆕iOSReleased on the App Store🆕AndroidReleased on Google Play
Full timeline · 29 events
- ✏️Varo Bank: Online Banking: description updatediOS· US
- 📦Varo Bank: Online Banking: now updating weeklyAndroid4 updates in 30 days, after a quiet two months
- 📦Varo Bank: Online Banking updated to version 4.44.0iOSBig 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.
- ✏️Varo Bank: Online Banking: description updatedAndroid· US
- ✏️Varo Bank: Online Banking: new screenshotsAndroid8 screenshots (was 8) · US
- 📦Varo Bank: Online Banking updated to version 4.43.1AndroidWe’ve been hard at work making the Varo app better than ever. Update to the newest version for the latest fixes and greatest features in the Varo app yet!
Learn more at varomoney.com/whats-new - 📦Varo Bank: Online Banking updated to version 4.43.1iOSBig 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.
- 📊Varo Bank: Online Banking: downloads up ×3.1 in a weekiOSabout 2.6k a day now (our estimate)
- 📦Varo Bank: Online Banking updated to version 4.43.0AndroidWe’ve been hard at work making the Varo app better than ever. Update to the newest version for the latest fixes and greatest features in the Varo app yet!
Learn more at varomoney.com/whats-new - ✏️Varo Bank: Online Banking: new iPad screenshotsiOS· US
- ✏️Varo Bank: Online Banking: new screenshotsiOS10 screenshots (was 10) · US
- 📦Varo Bank: Online Banking updated to version 4.43.0iOSBig 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.
- 📦Varo Bank: Online Banking: now updating weeklyiOS4 updates in 30 days, after a quiet two months
- ✏️Varo Bank: Online Banking: description updatedAndroid· US
- ✏️Varo Bank: Online Banking: short description updatedAndroid· US
- ✏️Varo Bank: Online Banking: new screenshotsAndroid8 screenshots (was 8) · US
- ✏️Varo Bank: Online Banking: new iPad screenshotsiOS· US
- ✏️Varo Bank: Online Banking: new screenshotsiOS10 screenshots (was 10) · US
- 📦Varo Bank: Online Banking updated to version 4.42.1iOSBig 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.
- 📦Varo Bank: Online Banking updated to version 4.42.0iOSBig 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.
- 📦Varo Bank: Online Banking updated to version 4.42.0AndroidWe’ve been hard at work making the Varo app better than ever. Update to the newest version for the latest fixes and greatest features in the Varo app yet!
Learn more at varomoney.com/whats-new - 📦Varo Bank: Online Banking updated to version 4.41.0iOSBig 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.
- 📦Varo Bank: Online Banking updated to version 4.41.0AndroidWe’ve been hard at work making the Varo app better than ever. Update to the newest version for the latest fixes and greatest features in the Varo app yet!
Learn more at varomoney.com/whats-new - 🆕Varo Bank: Online Banking first spotted by AppInsiderAndroidUnited States
- 🆕Varo Bank: Online Banking first spotted by AppInsideriOS#45 in Top Free · Finance · United States
- 📦Varo Bank: Online Banking version 4.40.0iOSNo release notes
- 📦Varo Bank: Online Banking version 4.40.0AndroidWe’ve been hard at work making the Varo app better than ever. Update to the newest version for the latest fixes and greatest features in the Varo app yet!
Learn more at varomoney.com/whats-new - 🆕Varo Bank: Online Banking released on the App StoreiOS
- 🆕Varo Bank: Online Banking released on Google PlayAndroid
Collected from the stores by AppInsider since we first spotted the app. Dates are when we saw each change.
Rating
4.7 ★
479k ratings, both stores
Measured
Best rank now
#53
Android · 
Finance Free
Finance FreeMeasured
New ratings a week
54
▲ +6% vs the 2 weeks before (Google Play)
Measured
App Store
App details
App ID
1517676784
Publisher
Varo Money, Inc.
Publisher country
United States
On the store since
Oct 2020
6 years on the store
Minimum OS
iOS 16.4+
iPhone 8 and later
Devices
iPhone · iPad
Universal purchase
Content rating
4+
Languages
1
EN
Size
129 MB
Also listed in
Shopping
Google Play
App details
App ID
com.varomoney.bank
Publisher
Varo Bank, National Association
Publisher country
United States
Content rating
Everyone
Varo Bank: Online Banking downloads & installs
Both stores, worldwide. Bands are open; exact numbers are free with an account.
| Store | Downloads / day | Lifetime installs |
|---|---|---|
| App Store | 1k+ | – |
| Google Play | 1k+ | 5M+ Measured |
| Total | 5k+ Confidence | 5M+ Confidence |
How this is calculated
App Store: chart positions and rating growth per country, anchored on its own Android downloads; lifetime from ratings worldwide × installs per rating. Google Play: the daily change in its exact install count. The total adds every store.
Where Varo Bank: Online Banking's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Both stores, across every country we track.
| Store | Best rank | Charting in | US Top Free | US Top Grossing |
|---|---|---|---|---|
| App Store | #64 Finance Free | 1 of 30 countries | #64 | – |
| Google Play | #53 Finance Free | 1 of 23 countries | #53 | – |
Full chart lists: App Store · Google Play.
Review momentum
ⓘ How we measure thisApp Store
New ratings a week
11
4-week average
Written reviews a week
5.5
US App Store
Lifetime rating
4.9★
recent stars not readable yet: new ratings are a tiny share of the total
Recent written reviews
2.8★
people who write skew negative
Review momentum
63/100
faster than 71% of Finance apps
Google Play
New ratings a week
43
▲ +6% vs the 2 weeks before
Written reviews a week
18
Google Play
Lifetime rating
4.5★
recent stars not readable yet: new ratings are a tiny share of the total
Recent written reviews
2.8★
people who write skew negative
Review momentum
41/100
faster than 34% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
Ratings
Both stores. Store data, measured.
| Store | Rating | Ratings |
|---|---|---|
| App Store | 4.9 ★ | 234k |
| Google Play | 4.5 ★ | 245k 33k written reviews |
| Both stores | 4.7 ★ weighted by ratings | 479k |
What users say about Varo Bank: Online Banking
From the 84 most recent App Store reviews in the US.
Mostly negative (20% of recent reviews give 4–5 stars). People like it for good value, and its design. The main complaints are about login and account problems, and price and subscriptions. Recent reviews are more positive than earlier ones.
What people like
- Price & subscription: “First bank actually helping me get on top if my money”
- Design: “Can we get dark mode 🙏🏼 I’ll leave 6 stars 😂 😎”
- Login & account: “I can’t change my password to get into Varo”
- Ease of use: “I absolutely love my online banking it is great and it is so convenient and so easy”
Common complaints
- Login & account: “Account Closure No Notice”
- Price & subscription: “So my money is temporarily gone until I get check”
- Customer support: “Terrible customer service”
- Useful: “I highly don’t recommend using VARO”
About Varo Bank: Online Banking
We are a real bank, built for the digital age.
Member FDIC, backed by the full faith and credit of the U.S. Government
ONLINE BANKING
• Early payday⁵
• No monthly, minimum balance, or overdraft fees¹
• Send and receive money in minutes with Zelle®⁴
• 40k+ fee-free US Allpoint® ATMs²
• Up to 3.75% APY on first $5,000, quals apply¹⁰
• 1.00% APY on additional balances
• Auto-saving tools
• Unlike many money apps, we’re a real bank
INSTANT CASH ADVANCES
• Borrow up to $250 today. Quals apply³
• Work up to $1,000 cash advances over time with direct deposit³
• Flat fee per cash advance
LINE OF CREDIT
• From $600 to $2,000. Avg $825. Quals apply⁹
• No interest, late fees, or penalties
• Simple flat fees
• Payment periods between 3 and 12 months
FREE SECURED CREDIT CARD⁶
• No credit check, interest, annual fees, or minimum security deposit
• Reported to Equifax, Experian, & TransUnion
DOWNLOAD NOW!
• Sign up for a Varo Bank Account in less than two minutes with no impact on your credit.
©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC.
¹⁻¹⁰ See disclosures in app screenshots.
Member FDIC, backed by the full faith and credit of the U.S. Government
ONLINE BANKING
• Early payday⁵
• No monthly, minimum balance, or overdraft fees¹
• Send and receive money in minutes with Zelle®⁴
• 40k+ fee-free US Allpoint® ATMs²
• Up to 3.75% APY on first $5,000, quals apply¹⁰
• 1.00% APY on additional balances
• Auto-saving tools
• Unlike many money apps, we’re a real bank
INSTANT CASH ADVANCES
• Borrow up to $250 today. Quals apply³
• Work up to $1,000 cash advances over time with direct deposit³
• Flat fee per cash advance
LINE OF CREDIT
• From $600 to $2,000. Avg $825. Quals apply⁹
• No interest, late fees, or penalties
• Simple flat fees
• Payment periods between 3 and 12 months
FREE SECURED CREDIT CARD⁶
• No credit check, interest, annual fees, or minimum security deposit
• Reported to Equifax, Experian, & TransUnion
DOWNLOAD NOW!
• Sign up for a Varo Bank Account in less than two minutes with no impact on your credit.
©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC.
¹⁻¹⁰ See disclosures in app screenshots.
Varo Bank: Online Banking App Store
Varo Bank: Online Banking gets 5k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Varo Bank: Online Banking is #64 in Finance Free in United States and charting in 1 of 30 countries we track.
Updated 8 Nov 2026 · rankings refresh through the day
DeveloperVaro Money inc
CategoryFinance
PriceFree
Released
Rating★ 4.9 (234k)
Version4.44.0
Age rating4+
First seen by us 24 Sep 2026
24 Sep 2026Rating
4.9 ★
234k ratings
Measured
Best rank now
#64
Finance FreeMeasured
New ratings a week
11
App Store, 4-week average
Measured
Varo Bank: Online Banking on the App Store
App details
App ID
1517676784
Publisher
Varo Money, Inc.
Publisher country
United States
On the store since
Oct 2020
6 years on the store
Minimum OS
iOS 16.4+
iPhone 8 and later
Devices
iPhone · iPad
Universal purchase
Content rating
4+
Languages
1
EN
Size
129 MB
Also listed in
Shopping
Varo Bank: Online Banking downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Apple publishes no download counts. App Store downloads come from chart positions and daily rating growth per country, calibrated on Google Play install counts; lifetime installs from ratings worldwide × installs per rating. Confidence is the chance the real number is within half to double ours.
Where Varo Bank: Online Banking's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| United States | FinanceFree | #64 |
Apps near Varo Bank: Online Banking on the chart
Finance Free, around #64.
Ratings
App Store, worldwide.
Rating
4.9 ★
234k ratings
Measured
Ratings
234k
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
11
4-week average
Written reviews a week
5.5
US App Store
Lifetime rating
4.9★
recent stars not readable yet: new ratings are a tiny share of the total
Recent written reviews
2.8★
people who write skew negative
Review momentum
63/100
faster than 71% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
What users say about Varo Bank: Online Banking
From the 84 most recent App Store reviews in the US.
Mostly negative (20% of recent reviews give 4–5 stars). People like it for good value, and its design. The main complaints are about login and account problems, and price and subscriptions. Recent reviews are more positive than earlier ones.
What people like
- Price & subscription: “First bank actually helping me get on top if my money”
- Design: “Can we get dark mode 🙏🏼 I’ll leave 6 stars 😂 😎”
- Login & account: “I can’t change my password to get into Varo”
- Ease of use: “I absolutely love my online banking it is great and it is so convenient and so easy”
Common complaints
- Login & account: “Account Closure No Notice”
- Price & subscription: “So my money is temporarily gone until I get check”
- Customer support: “Terrible customer service”
- Useful: “I highly don’t recommend using VARO”
About Varo Bank: Online Banking
We are a real bank, built for the digital age.
Member FDIC, backed by the full faith and credit of the U.S. Government
ONLINE BANKING
• Early payday⁵
• No monthly, minimum balance, or overdraft fees¹
• Send and receive money in minutes with Zelle®⁴
• 40k+ fee-free US Allpoint® ATMs²
• Up to 3.75% APY on first $5,000, quals apply¹⁰
• 1.00% APY on additional balances
• Auto-saving tools
• Unlike many money apps, we’re a real bank
INSTANT CASH ADVANCES
• Borrow up to $250 today. Quals apply³
• Work up to $1,000 cash advances over time with direct deposit³
• Flat fee per cash advance
LINE OF CREDIT
• From $600 to $2,000. Avg $825. Quals apply⁹
• No interest, late fees, or penalties
• Simple flat fees
• Payment periods between 3 and 12 months
FREE SECURED CREDIT CARD⁶
• No credit check, interest, annual fees, or minimum security deposit
• Reported to Equifax, Experian, & TransUnion
DOWNLOAD NOW!
• Sign up for a Varo Bank Account in less than two minutes with no impact on your credit.
©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC.
¹⁻¹⁰ See disclosures in app screenshots.
Member FDIC, backed by the full faith and credit of the U.S. Government
ONLINE BANKING
• Early payday⁵
• No monthly, minimum balance, or overdraft fees¹
• Send and receive money in minutes with Zelle®⁴
• 40k+ fee-free US Allpoint® ATMs²
• Up to 3.75% APY on first $5,000, quals apply¹⁰
• 1.00% APY on additional balances
• Auto-saving tools
• Unlike many money apps, we’re a real bank
INSTANT CASH ADVANCES
• Borrow up to $250 today. Quals apply³
• Work up to $1,000 cash advances over time with direct deposit³
• Flat fee per cash advance
LINE OF CREDIT
• From $600 to $2,000. Avg $825. Quals apply⁹
• No interest, late fees, or penalties
• Simple flat fees
• Payment periods between 3 and 12 months
FREE SECURED CREDIT CARD⁶
• No credit check, interest, annual fees, or minimum security deposit
• Reported to Equifax, Experian, & TransUnion
DOWNLOAD NOW!
• Sign up for a Varo Bank Account in less than two minutes with no impact on your credit.
©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC.
¹⁻¹⁰ See disclosures in app screenshots.
Latest updates
4.44.0
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.
4.43.1
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.
4.43.0
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.
Store changes
What Varo Bank: Online Banking changed on its store page: name, icon, screenshots, price, size, languages, requirements.
Description updated
New iPad screenshots
New screenshots
10 screenshots (was 10)
Varo Bank: Online Banking Android
Varo Bank: Online Banking gets 5k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Varo Bank: Online Banking is #53 in Finance Free on Google Play in United States and charting in 1 of 23 countries we track.
Updated 8 Nov 2026 · rankings refresh through the day
DeveloperVaro Bank, N.A.
CategoryFinance
PriceFree
Released
Installs5M+
Rating★ 4.5 (245k)
Updated
Content ratingEveryone
Rating
4.5 ★
245k ratings
Measured
Best rank now
#53
Finance FreeMeasured
New ratings a week
43
▲ +6% vs the 2 weeks before
Measured
Varo Bank: Online Banking on Google Play
App details
App ID
com.varomoney.bank
Publisher
Varo Bank, National Association
Publisher country
United States
Content rating
Everyone
Varo Bank: Online Banking downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Google Play shows an exact lifetime install count; downloads per day are its daily change (measured). When Play hasn't refreshed the count, they come from new ratings and Top Free chart positions. Confidence is the chance the real number is within half to double ours.
Where Varo Bank: Online Banking's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks on Google Play
Every top 200 chart it appears in across 23 countries.
| Country | Charts | Rank |
|---|---|---|
| United States | FinanceFree | #53 |
Apps near Varo Bank: Online Banking on the chart
Finance Free, around #53.
Ratings
Google Play, worldwide.
Rating
4.5 ★
245k ratings
Measured
Ratings
245k
Measured
Written reviews
33k
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
43
▲ +6% vs the 2 weeks before
Written reviews a week
18
Google Play
Lifetime rating
4.5★
recent stars not readable yet: new ratings are a tiny share of the total
Recent written reviews
2.8★
people who write skew negative
Review momentum
41/100
faster than 34% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
What users say about Varo Bank: Online Banking
From the 200 most recent Google Play reviews in the US.
Mostly negative (30% of recent reviews give 4–5 stars). People like it for good value, and easy sign-in. The main complaints are about login and account problems, and price and subscriptions. Recent reviews are more positive than earlier ones.
What people like
- Price & subscription: “This is a good Bang to hold your money in”
- Login & account: “took me a month to get into my account once”
- Ease of use: “easy to send and receive no gimmicks”
- Updates: “so far so good I will update later”
Common complaints
- Login & account: “can't get an account it says”
- Price & subscription: “Avoid this app at all costs”
- Crashes & bugs: “Kept throwing a USPS might have difficult delivering here error”
- Customer support: “But, the customer service is subpar”
About Varo Bank: Online Banking
Varo isn’t just an online banking app. We are a real bank, built for the digital age.
Free online banking, early payday⁵, high yield savings¹⁰, credit score monitoring, easy credit building⁶, instant cash advances (once qualified)³, and more. Quals apply. Fees apply to loans and out-of-network services.
Member FDIC—mobile banking backed by the full faith and credit of the U.S. Government.
FREE ONLINE BANKING
• Early payday⁵
• No minimums or overdraft fees¹
• Send and receive money in minutes with Zelle®⁴
• Free debit card
• Free cash deposits at CVS®⁸ and withdrawals at 40k+ US Allpoint® ATMs²
• Free credit score monitoring
• Unlike many money apps, we’re a real bank
INSTANT CASH ADVANCES
• Borrow up to $250 today. Quals apply.³
• Work up to $1,000 cash advances over time with direct deposit³
• Cash advance funded directly into your online bank account
• One-time flat fee per cash advance
• Automatic payments available for money advances
PERSONAL LINE OF CREDIT
• Unsecured personal line of credit from $600 to $2,000. Avg $825. (Quals apply)⁹
• No interest, late fees, or penalties
• Credit line with a simple flat fee
• Affordable monthly payments
• Personal loan funded instantly, once qualified
• Money added to your online bank account
• Payment periods between 3 and 12 months
EASY CREDIT BUILDER
• Free secured credit card for credit building⁶
• No credit check, interest, annual fees, or minimum security deposit
• Build credit by only spending what you have
• Reported to Equifax, Experian, and TransUnion
• Pre-existing credit scores saw a 40+ point increase on avg after 3 months of on-time payments⁷
HIGH YIELD SAVINGS
• Up to 3.75% annual percentage yield on first $5,000, quals apply¹⁰
• 1.00% APY on additional balances
• Auto-saving tools
DOWNLOAD NOW!
Sign up for an online bank account in less than two minutes with no impact on your credit.
Disclosures
©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC
¹⁻¹⁰ See disclosures in app screenshots.
Free online banking, early payday⁵, high yield savings¹⁰, credit score monitoring, easy credit building⁶, instant cash advances (once qualified)³, and more. Quals apply. Fees apply to loans and out-of-network services.
Member FDIC—mobile banking backed by the full faith and credit of the U.S. Government.
FREE ONLINE BANKING
• Early payday⁵
• No minimums or overdraft fees¹
• Send and receive money in minutes with Zelle®⁴
• Free debit card
• Free cash deposits at CVS®⁸ and withdrawals at 40k+ US Allpoint® ATMs²
• Free credit score monitoring
• Unlike many money apps, we’re a real bank
INSTANT CASH ADVANCES
• Borrow up to $250 today. Quals apply.³
• Work up to $1,000 cash advances over time with direct deposit³
• Cash advance funded directly into your online bank account
• One-time flat fee per cash advance
• Automatic payments available for money advances
PERSONAL LINE OF CREDIT
• Unsecured personal line of credit from $600 to $2,000. Avg $825. (Quals apply)⁹
• No interest, late fees, or penalties
• Credit line with a simple flat fee
• Affordable monthly payments
• Personal loan funded instantly, once qualified
• Money added to your online bank account
• Payment periods between 3 and 12 months
EASY CREDIT BUILDER
• Free secured credit card for credit building⁶
• No credit check, interest, annual fees, or minimum security deposit
• Build credit by only spending what you have
• Reported to Equifax, Experian, and TransUnion
• Pre-existing credit scores saw a 40+ point increase on avg after 3 months of on-time payments⁷
HIGH YIELD SAVINGS
• Up to 3.75% annual percentage yield on first $5,000, quals apply¹⁰
• 1.00% APY on additional balances
• Auto-saving tools
DOWNLOAD NOW!
Sign up for an online bank account in less than two minutes with no impact on your credit.
Disclosures
©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC
¹⁻¹⁰ See disclosures in app screenshots.
What's new in 4.43.1
We’ve been hard at work making the Varo app better than ever. Update to the newest version for the latest fixes and greatest features in the Varo app yet!
Learn more at varomoney.com/whats-new
Learn more at varomoney.com/whats-new
Store changes
What Varo Bank: Online Banking changed on its store page: name, icon, screenshots, price, size, languages, requirements.
Description updated
New screenshots
8 screenshots (was 8)
Description updated