Varo Bank: Online Banking icon

Varo Bank: Mobile Banking

by Varo Bank, N.A.

4.7
ANDROIDFinance

Varo Bank is a mobile banking app that provides accessible and free online banking services. Enjoy early payday, high-yield savings options, and tools for easy credit building. It's a real bank, FDIC insured, designed for the digital age.

About Varo Bank: Online Banking

Varo Bank is more than just a mobile app; it's a real, FDIC-insured bank offering free online banking, early payday, and high-yield savings. Build credit easily with a secured credit card and monitor your credit score for free. Enjoy automatic cashback rewards and instant cash advances when qualified. As one user raves, "This has to be the best banking app out there." Varo simplifies money management with features like mobile check deposit and spend tracking. Save faster with automatic saving tools and potentially earn up to 5.00% APY on savings. Varo also offers personal lines of credit with affordable payments. Send money to anyone, even non-Varo customers, quickly and securely. Another user shares, "It actually does what it says. You can send money to anyone, not just their own customers." Open your online bank account in minutes with no impact on your credit score. Varo provides a comprehensive digital banking experience, including credit building tools.

Key Features

  • Access your payday up to two days early
  • Earn up to 5.00% APY on your savings balance
  • Build credit with a secured credit card, no credit check needed

Why Users Love It

No minimums or hidden fees
Free credit score monitoring
"This has to be the best banking app out there. It actually does what it says...Even the credit builder works great. (5/5)"

Perfect for: Perfect for tech-savvy individuals seeking convenient, fee-free mobile banking with credit-building tools.

Screenshots

Varo Bank: Online Banking screenshot 1Varo Bank: Online Banking screenshot 2Varo Bank: Online Banking screenshot 3Varo Bank: Online Banking screenshot 4Varo Bank: Online Banking screenshot 5Varo Bank: Online Banking screenshot 6

📊Ranking History

Track Varo Bank: Online Banking's performance in Finance over the last 30 days

Top 5
Top 10
Top 15
Below 15

Current Rank

#48

1 from last week

Best Rank

#44

🏆

All-time high

Average Rank

#48

📈

30-day average

User Reviews

Mickey Jo
7/28/2025

Best bank app I've ever used. The early payday feature is great, you need a refund from another place, no problem varo will have your money back with in a day sometimes an hour! They have advanced money for small emergencies up to 500 with a small fee, so that's really nice, and their Believe card helps you build credit. Great experience so far, no issues.

Jason Yate
7/29/2025

The best app, without a doubt. I would like to save in the Varo Bank savings account, however, every time I see money there, I use it. I'd like the option to hide it from the main page so I can forget about that money for a while, money that increases percentage-wise with each check I receive from my job. Thanks.

Xyyriph Boyde
7/28/2025

Varo locked me out of my Zelle account after I repeatedly stated it was for rent payment. Every time I try to contact customer service I'm met with an error. There was a human element in calling but the key word there is was. I can't get a response via email either. For a bank that advertised itself as convenient it's anything but.

Taylor Tsosie
8/7/2025

I was so angry on my initial review. Maybe a little harsh, to which I apologize. I've actually since been with Varo a long time and use them as my primary banking with no issues yet. If you invest in them, the perks will come. 5 stars currently.

Shelby Smith
7/16/2025

cashback on every purchase is great. you're spending the money anyways night as well have a reward for doing so and the reward is ultimately free. just by using your card.

App Details

Developer

Varo Bank, N.A.

Platform

android

Rating

4.7

Last Updated

8/11/2025