iPhone Screenshots


Welcome to Varo, your all-in-one banking app for your iPhone. We’re glad you’re here.

Our mission at Varo is to help you manage your money—and then get out of your way.

***A mobile bank account¹ 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
Early access to your direct deposit, up to 2 days faster.²
Plus, as a Varo banking customer, you can earn 0.50% Annual Percentage Yield³ (vs. 0.02% with other banks) on a Varo Savings Account.

***A 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 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, savings, loans, and credit cards in one place.

***A 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, recommended actions to improve your financial health based on your personalized goals and needs.

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

Your money is key to living the life you want. When you keep it with Varo, we take our responsibility to protect it seriously.

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

FDIC insurance up to $250,000 through our partner bank 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 01.01.2018. Keep in mind, this rate is variable and may change. APYs for other banks are for the state of California and provided by mybanktracker.com and are accurate as of 01.01.2018. 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.

What's New

Version 1.4.3

Thanks for choosing Varo! Your feedback drives every single update. Here is the update for this release:

The Varo Savings Account now comes with a 1.25% Annual Percentage Yield (APY)! There are no fees, no minimum balance—just one great rate to build your savings.*

Money pro-tip 1: Applying for a Varo Savings Account only takes a few seconds. If you have not opened one yet, access the application on the Accounts tab of the app.

Money pro-tip 2: Set up Direct Deposit so that you’re automatically putting money into your Varo Bank Account and can easily move money into your High-Yield Varo Savings Account.

Note: Our previous update introduced an issue that prevented some customers from being able to lock and unlock their Varo card. We've fixed that bug in this update. We apologize for any inconvenience and would like to thank those who reached out to us!

Love the app? Rate us! Your feedback keeps the Varo engine running. Have a question? Tap “Settings” and then “Email Support” in the Varo app.

*Varo APY is accurate as of March 9, 2018. This rate is variable and may change. APYs for other banks are an average of 5 biggest national banks and provided by mybanktracker.com. They are accurate as of 03.09.2018. Balance in Savings must be at least $0.01 to earn interest.
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

Ratings and Reviews

4.7 out of 5

1.9K Ratings

1.9K Ratings

New user for this Bank !


I am new to this trusting this kind of bank as I don't have much experience with banks or the world of credit but it's never to late to learn about these things and to have some kind of faith in them even if it's just to explore and learn a bit as learning is a good thing;
I have never been one who trusted in credit as it seems that a lot of places only report that in which you don't pay on time but you may have paid for the last couple of years or so with out ever having an incendent and then you miss one payment or you must move and believe that you shall resume once you resettle but other events happen and
You find that you can not do as you once planned and right away the companies report a negative mark upon your sheet and because of this in no time you find yourself not being afforded the opportunities that you once enjoyed and it would seem that if a company does not report your good efforts like paying on time month after month year after year but you make one wrong move and they just seem to forget what a good customer you have been I believe that if they are not willing to report all your good efforts then they should not have the right to report just the incorrect ones as some folks have a hard time with the way in which some things are reported even though they are basically good folks, I hope that this


Manic Bobo

I switched to VARO after looking at several other online banks. They all had too many bells and whistles, and things I didn’t want or need. I wanted ease and simplicity because my banking needs are fairly simple, I have two direct deposits, and can’t remember the last time I actually set foot in my local brick wall bank. I hated dealing with SUNTRUST and Wells Fargo in person or over the phone. I was already doing all my banking on line, so VARO was a good choice for me. When I started using VARO I was drawn to them for the simplicity of the lay out of the app, the basic banking functions they provided. Their customer service is amazing & so far beyond what a brick wall bank ever provided me. Dealing with VARO customer service isn’t something I dread and put off. The Savings is a great feature. Add money right from your main VARO account on one page without having to change pages or sign in to the other account. Makes moving money into your savings so incredibly simple. I don’t get many paper checks, but recently got a refund check in the mail, and the photo deposit worked as good as any other banks system I have used. VARO was the perfect choice for me, they are working hard at making it great.

Nearly worthless


Let me start be saying I admire and support what Varo is trying to do. Banking and financial management tools are universally pretty bad. Mint had something great for a couple years early on but has now also joined the ranks of out-of-touch financial software. Varo has managed to do this right out of the gate. I am an early adopter of many new fintech services and I have not been impressed by anything in awhile, Varo included. They have tried to do too much too soon. They have not nailed any one key feature that would make me compelled to adopt them over anything else. Dashboard and overviews are less helpful then Mint. Money transfer functionality is a commodity but the experience here is worse then Venmo, PayPal, and Square Cash. The branded debit card functionality is worse than Simple, and not really any more useful than a traditional bank issued debit card. It feels like they had a vision for a delightful and comprehensive financial product and thought that all of this was really necessary for an MVP. However, all of the components are themselves MVPs and so the whole thing falls apart. I'd rather have a progressive dinner with a great appetizer, main course, and dessert with the requirement of moving around than having 3 barely edible courses under the same roof.

Developer Response

First, thank you for taking the time to provide such thoughtful feedback. It’s exactly the type of feedback that we not only value, but need, to make Varo the best banking (and app) experience for our customers.

When we started talking to customers, they told us that they wanted a solution to address the diversity and complexity of their financial lives. They were tired of jumping from app to app to see their full financial picture. So, three months ago, we set out to deliver a version of the app that had a breadth of features that spanned a person’s entire financial life (from personal financial management tools, to a deposit account, to savings,to loans), while knowing many improvements would need to be made. This breadth of financial tools is also part of our application for a national bank charter, which will allow us to better serve our customers.

We recognize that the current version of Varo is not perfect--there is room for improvement to make Varo as great as we know it can be. That’s why rapid iteration (based on customer insights) has been and will always be at the heart of the Varo development process. We’re excited to watch Varo continue to evolve and we hope you will be there to see it happen.

With that in mind, we would love to continue this conversation. Please reach out to help@varomoney.com and reference your app store review so we can stay in touch.


Varo Money, Inc.
81.5 MB
Requires iOS 10.0 or later. Compatible with iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPad Air, iPad Air Wi-Fi + Cellular, iPad mini 2, iPad mini 2 Wi-Fi + Cellular, iPad Air 2, iPad Air 2 Wi-Fi + Cellular, iPad mini 3, iPad mini 3 Wi-Fi + Cellular, iPad mini 4, iPad mini 4 Wi-Fi + Cellular, 12.9-inch iPad Pro, 12.9-inch iPad Pro Wi-Fi + Cellular, 9.7-inch iPad Pro, 9.7-inch iPad Pro Wi-Fi + Cellular, iPad (5th generation), iPad Wi-Fi + Cellular (5th generation), 12.9-inch iPad Pro (2nd generation), 12.9-inch iPad Pro Wi‑Fi + Cellular (2nd generation), 10.5-inch iPad Pro, 10.5-inch iPad Pro Wi‑Fi + Cellular, and iPod touch.
Age Rating
Rated 4+
© 2018 Varo Money, Inc.


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