We’ll give you $100 when you join Varo and receive $500 or more in qualifying direct deposits² within 45 days of account opening.
Join at Varo.
Earn $100.¹
Applying won't impact your credit score. If qualified, your referral offer will be deposited into your Varo account within 15 business days.
Take control of your money with a free Varo Bank Account.*
Get paid up to two days early.³
No monthly account fees or minimums.
No fees at 40K+ U.S. Allpoint® ATMs.⁴
Send money with Varo to Anyone.
Build credit the easy way with Varo Believe.⁵
Get a credit building credit card with no minimum upfront deposit once you qualify.
Build credit safely with everyday purchases.
0.00% Annual Percentage Rate (APR) and no annual fees.
You need a Varo Bank Account to start qualifying.
Get ahead with Varo Advance.⁶
Borrow up to $250, if you qualify.
Cover bills and unexpected expenses.
Just simple fees, no credit check, and no interest.
Upon initial qualification, you will have access to an amount shown in the Varo app and over time, you may qualify for higher amounts up to $250, based on your account balances, activity on your Varo accounts, direct deposit history, number of on-time Advance repayments, and other factors.
Get up to 6% cashback at select merchants nationwide.⁷
Put more money back in your pocket.
Get special cashback deals with purchases from brands you already use.
You can use your Varo Debit and Believe Cards on eligible purchases to rack up real cash.
Save faster with a sky-high APY on your savings account.
Start earning 1.00% APY (Annual Percentage Yield), then qualify to earn 3.75% APY.⁸
Earn 3.75% APY on your balance up to $5,000.00 for next month by meeting these two requirements this month:⁸
Receive direct deposit(s)² totaling $1,000 or more.
End the month with a positive balance in both your Varo Bank Account and Savings Account.
You’ll continue to earn 1.00% APY on any additional balance above $5,000.00.
No fees, no minimum balance required.⁹
FAQ
I got referred to Varo by a friend. How do I make sure we both get our bonuses?
What if I got a referral from my friend but I already have a Varo account?
Answer
First, register your email at the unique referral link your friend gave you. Then, complete qualifying actions as defined on your offer signup page. See full Terms and Conditions for more details.