Free online bank account

GET more with a free bank account.

Leave bank fees* behind. Say YES to 40,000+ fee-free U.S. ATMs,¹ free cash deposits at CVS®², and early payday.³

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Fees apply to loans and optional services.*
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    Early Payday

    Get paid up to 2 days early with direct deposit.³

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    No Hidden Fees

    Say goodbye to unexpected banking fees⁴

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    Varo to Anyone

    Send money with Varo to Anyone in just a few taps.

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    Varo Advance

    Borrow up to $500 over time⁵—one of the highest advance amounts around.⁶

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    Varo Believe

    Build your credit score using your own money.⁷

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All things money, all in one place

Make real progress today.

  • No monthly or hidden fees⁴

  • 40,000 fee-free US ATMs¹

  • 2-day early payday³

  • Quick cash advances up to $500 over time⁵

  • The Varo Believe Credit-Builder Card⁷

  • Unlock up to $2,000 with Varo Line of Credit¹⁰

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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.2

Believe Card Digital Wallet
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The Varo Believe Credit-Builder Card

Build credit the easy way.⁷

  • No credit check, no interest and no hidden fees.⁴

  • Use your own money instead of digging deeper into debt.⁷

  • Varo Believe Card customers, on average, see a 40+ point increase in their credit score after 3 months of on-time payments.⁸

ⓘ You need a Varo Bank account to start qualifying. Additional quals apply.

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Cash Advance

Up to $500 in the bank.

Right when you need it.

Need money for gas, rent, or an unexpected event? That’s what Varo Advance is here for. With a Varo Bank Account, you can work your way up to $500⁵—one of the highest advance amounts around.6

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High Yield Savings Account

More money faster? Keep talking...

Our easy auto-saving tools and sky-high Annual Percentage Yield(APY)⁹ do all the work, so you can save more without lifting a finger. Best part? No fees or required minimum balance.

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Security & Safety

Take control of your cash. With a few simple taps.

Lost your debit card? Lock it instantly from your Varo app and we’ll send you a new card for free. Unauthorized transactions? Uh-uh, not on our watch. Block them in your app in literal seconds.