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Varo Bank Reviews 4,744

TrustScore 4 out of 5

4.2

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. People appreciate the user-friendly app, describing it as smooth, fast and easy to navigate, with simple functions and valuable benefits. Consumers find it easy to set up an account and enjoy features like early paycheck access, cash advances, and credit-building options. The application is considered reliable for direct deposits, with timely and accurate transactions. However, some consumers have mixed opinions about payments and customer service. Some reviewers report issues such as declined card transactions, difficulties accessing funds, and holds on government checks. A few users have reported unauthorized transactions and express concern about the company's security measures. Some consumers have also reported negative experiences with customer service, citing long wait times, unhelpful responses, and difficulty reaching a live representative.

Based on these reviews

Rated 4 out of 5 stars

You have customers who also use the PC I didn't even get a courtesy email stating you'd be changing the website layout and it was not pleasant particularly since I'm Autistic to log in one day and dis... See more

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Rated 4 out of 5 stars

Love the app and service. BUT, unfortunately with health concerns I find I use the Advance $500 too often! And the fees are too high. Your competitor, Chime, and others do not charge fees for adva... See more

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Rated 4 out of 5 stars

I love being able to get my paycheck a couple of days early. I don't like that Varo doesn't acknowledge that my check is direct deposited because I work for a government agency. I also don't like that... See more

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Rated 5 out of 5 stars

I love varo. I switched to them for my main banking. I chose them because of receiving my money in a timely manner and the surplus of different features including cashback and the cash advance options... See more

Company replied

Rated 5 out of 5 stars

I love banking with VARO they are an excellent Modern Bank easy deposits at CVS and free withdrawal (as it should be!!!) at 7/11 and Circle K No overdraft fees, heck a decline is a decline and some... See more

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Rated 5 out of 5 stars

I love my experience with Vero Bank. There are never any fees you can usually get a hold of somebody when you have a problem and the app is super easy to use. I highly recommend this for anybody that'... See more

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Rated 3 out of 5 stars

I am currently traveling overseas and have tried to contact your customer service to inform them but your chat service nor phone service gives me this option. Every time I try to use my debt card or B... See more

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Rated 5 out of 5 stars

Varo makes banking simple and stress-free. No hidden fees, early direct deposit, and great savings options that actually help you grow your money. The app is fast and easy to use, and customer support... See more

Company replied

Rated 5 out of 5 stars

I love Varo. It's easy to set up an account. The app runs smooth & easy. Navigating the different functions is simple & it offers great benefits like savings & pay advance. Im very pleased with my exp... See more

Company replied

Rated 5 out of 5 stars

This has been an incredible banking app. The advance and line of credit features have saved my bacon in hard times. And it has been incredibly reliable for direct deposits. All transactions have been... See more

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Rated 5 out of 5 stars

Varo Bank is an online bank and has its own app. What Varo Bank does well, is motivate its customers and clients to online banking and ways to earn money on their spare time. Activities are recommende... See more

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Rated 1 out of 5 stars

Too many issues, From App being down to not being able to use your card at all. Transfers between varo accounts (Credit builder to Checking ) should not be pending and unavailable. They should and usu... See more

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Rated 5 out of 5 stars

Excellent bank, I have liked my experience with them. Some glitchy issues with log-in are not ideal, but in literally every other way this bank has exceeded my expectations. I don’t know why, haha,... See more

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Rated 5 out of 5 stars

I have used Varo to build my credit up with out any stress. I get my direct deposit earlier than my brick and mortar credit union. I have been able to utilize loans that have come in helpful with some... See more

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Rated 5 out of 5 stars

My experience has been good. Been with Vargo for almost three years. Like getting paid 2 days early,the advanced is great especially when you need extra cash until paid day. Over all my experience has... See more

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Rated 3 out of 5 stars

I did a add cash transaction It got declined because my card was locked but it was processed and Varo didn't put my money back in my account. I talk to representative he then instantly shut my card do... See more

Company replied

Rated 1 out of 5 stars

Whoever made this app must lie all the time in real life. This app is just made to steal your information and use it in other places. The representation of app is fake they won’t let you borrow money... See more

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Rated 5 out of 5 stars

I love Varo and how it tracks what I spend I just wish I could see it in different graphs what it is spent on. I also wish it would pick up automatically what I'm using to get direct deposit through a... See more

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Rated 1 out of 5 stars

Very poor service. Also miss leading. I’d joined due to seeing an $800 advancement once provided qualifying direct deposits. I still can’t believe having over 4 thousand in direct deposits I still cou... See more

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Rated 2 out of 5 stars

There have been too many times i either haven’t been able to get into my app, face recognition nor password worked, then there’s been times like today, where the card was unable to be unlocked. These... See more

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Rated 2 out of 5 stars

Out of all the online banking apps, Varo has had the least amount of rewards out of all of them. My borrow amount increased & so i changed my direct deposit to go into Varo to increase my rewards...... See more

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Rated 1 out of 5 stars

Horrible customer service. Impossible to reach a live rep. I was expecting a transfer and found out that Varo doesn't accept domestic wires. I couldn't reach a single person to answer questions. I u... See more

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Rated 2 out of 5 stars

I have a repeat company that keeps charging my account. I've called to inform you that I didn't authorize the charges but they are still coming thru. Also, your consistently advertising my loan availa... See more

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Rated 1 out of 5 stars

NO CUSTOMER SERVICE, NO WAY TO LIVE CHAT UNLESS YOU'RE you not logged. I'm trying to set/register and have questions and can't reach anywhere. Guess your interested in business. Shameful! GO ELSEWER... See more

Company replied

Rated 2 out of 5 stars

It's hard to submit a mobile deposit. 1st attempt, the picture wasn't right. 2nd attempt did write for varo deposit" 3rd attempt, I'm restricted so I can't submit it with the corrections! Can't ever s... See more

Company replied

Rated 1 out of 5 stars

This bank is TRASH bank somewhere else for your good. This company has no integrity at all and zero values including their representatives. They DO NOT honor disputes and will make you feel like a cri... See more

Company replied

Rated 1 out of 5 stars

EVERYTHING IS WRONG. MY DIRECT DEPOSIT HAVENT GOT RECOGNIZED, haven’t got the $100 for my boyfriend referring me and gave me nothing but a $20 advance that I got twice now it gone. Chat SUPPORT NO HEL... See more

Company replied

Rated 1 out of 5 stars

I’ve had a pending charge for more than two weeks, that I’m waiting to get refunded, and now it reflected onto my credit, my credit went down 46 pts. That really hurts my ability to be approved for an... See more

Company replied

Rated 3 out of 5 stars

I dislike that I’ve been consistent with Varo as far as direct deposit and I’m not eligible to get an advance because I don’t enter more than $200 monthly each month. If Deposits are consistent and st... See more

Company replied

Rated 1 out of 5 stars

These crap fin tech companies steal and post payments when they feel. I switched back to them and they're holding my check again. Now it's a lawsuit because most people in texas are not on leases an... See more

Company replied

Rated 1 out of 5 stars

I wrote a negative review because they close my account for no reason would not provide an explanation. Left me with no money and said they’d send me a check in an undetermined amount of time. Meantim... See more

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Rated 1 out of 5 stars

I had unauthorized transactions on my account. I was incarcerated in another state at the time of the unauthorized transactions. I immediately disputed the transactions in a timely manner. They were d... See more

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Rated 2 out of 5 stars

Got Varo Believe card and was blocked from making a $2400 purchase. I am unable to pay rent because my debit card/checking account was blocked from making payments that high. No access to checks. All... See more

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Rated 1 out of 5 stars

I've been banking with Varo for a few years. I've never been eligible for their loan even after making on time payments for their advances. They also wouldn't allow me to cash a check through the app... See more

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Rated 4 out of 5 stars

Everything is great from my paycheck being available 2 days earlier to helping my credit improve with the Varo Believe card. The only service I didn't like was the sending money Varo to Anyone. App sa... See more

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Rated 5 out of 5 stars

Absolutely love Varo had my identity stolen on a federal level through Social Security, and I didn’t know what to do. I didn’t grow up with electronics and being afraid to set something up on my phone... See more

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Rated 5 out of 5 stars

Great bank as far as internet banking goes. Pretty good features, advances, and credit building account. Also is awesome as far as direct deposits. You get your money as soon as they get it, which is... See more

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Rated 4 out of 5 stars

The only thing I am disappointed about is that I can't transfer money from my Varo account to my Chase account. I can transfer from Chase to Varo but not vice versa. That's very inconvenient for me.... See more

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Rated 5 out of 5 stars

I noticed how smooth their app works and transitions on each page. Algorithms are key players in how it performs. Thanks! Plus now I've been banking since December 2022 and the service is great! You... See more

Company replied

Rated 1 out of 5 stars

my direct deposit was deposited September 19 and I still do not have a direct deposit because they put it in the wrong account. They did not check the name against the account number or to make sure t... See more

Company replied

Rated 5 out of 5 stars

I have used Varo for at least three years if not longer. I absolutely love doing my online banking with them. Varo is my number one go to. They have outstanding perks and loans with qualifying direct... See more

Company replied

Rated 1 out of 5 stars

Varo is a terrible product. They do not offer direct access to fund accounts (no debit card payments) and make repaying cash advances extremely difficult. Their customer service is some of the worst... See more

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Rated 1 out of 5 stars

I was hacked twice on varo they tell me it's passed the time for them to get my money back from Albert the genie which I never signed up for ....after finding small amounts of money missing,they varo... See more

Company replied

Rated 1 out of 5 stars

I used to love this bank; however, after holding my check deposit hostage, even though they had approved it and my employer confirmed that they had cashed it. They refuse to release my funds because t... See more

Company replied


Company details

  1. Bank
  2. Financial Institution

About Varo Bank

Written by the company

Varo Logo

Take control of your money.

Join a bank that sets you up for a better financial future. From getting your paycheck 2 days early to no-fee banking to cash advances when you need them, peace of money starts here.

FDIC Logo

FDIC insured – backed by the full faith
and credit of the U.S. government.

Trustpilot Varo Banner
Varo Product Page

Free Banking

No monthly fees, 40,000 fee-free ATMs, and cash deposits for $0 at over 7,000 CVS nationwide.1  

Learn More

* Loans and optional services have fees

Varo Product Page

Early Direct Deposit

Get paid up to 2 days early when you set up your direct deposit with Varo.2  

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Varo Product Page

Varo Advance

One of the highest cash advance amounts around. Once qualified, borrow up to $250 instantly and $500 over time.3  

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Varo Product Page

High APY Savings

Save more with our super high Annual Percentage Yield. Earn 5.00% on your first $5,000.4  

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Varo Believe Credit Builder

No interest, no fees, no credit history required. Just an easy way to build your credit.5  

Learn More
Varo Product Page

Varo Line of Credit

The best way to access cash when you need it. Borrow between $600-$2,000. Eligibility required.6  

Learn More
Varo Product Page

Varo to Anyone

Send money to anyone, no matter where they bank. It’s fast, free, and secure.

Learn More
CNBC Logo

1 Fees apply to out-of-network withdrawals & cash deposits, Varo Advance, and Varo Line of Credit. A full list of Varo fees can be found here.

2 We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

3 Based on April 2024 internal Varo research among single standalone loans with repayments of 30 days or less, no subscription fees or early wage payment requirements. Varo Advance(VA) is a small dollar line of credit. Initial limits range from $20-$250, work your way up to $500 over time. Fees range from $1.60 - $40 based on loan amount. Current limit can be viewed in the Varo App. Only one outstanding advance at a time, must be repaid in full prior to requesting a new advance. Varo Bank Account, with minimum Qualifying Direct Deposit (QDD) of $800 in current or previous calendar month required. Limits and eligibility evaluated daily and may change at any time. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit. Add'l qualifications apply.

4 Annual Percentage Yield (APY) is accurate as of December 11, 2024. Start earning 2.50% APY, then qualify to earn 5.00% APY on your balance up to $5,000.00 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) End the month with a positive balance in all your Varo Accounts. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such asVenmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.

5 Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. You must add money before using, money added sets the spending limit. Funds spent are held in your Varo Believe Secured Account to pay off any balance in full monthly, when due. Quals apply.

6 The Varo Line of Credit (VLOC) is a short term loan with credit limits ranging from $600 - $2000. A flat fee of $60 to $400 is assessed with each advance based on the amount. Once qualified your credit limit may fluctuate based on a variety of factors. You may only take one VLOC advance out at a time. Eligibility and/or credit limit information is available in the Varo App. Quals apply.


Contact info

4.2

Great

TrustScore 4 out of 5

5K reviews

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Rated 1 out of 5 stars

The WORST bank so save your time and money

This is the WORST bank on the market, online etc. they are not fair at all and will treat you like a criminal if you have to use one of their useless services like replacement card, disputes etc. All you are going to encounter is aggravation and frustration with this company so your better off with another bank ANY bank is better than this one they are horrible in every aspect all across the board.

February 12, 2026
Unprompted review
Varo Bank logo

Reply from Varo Bank

We appreciate your review and we assure you that this is not an experience we want our customers to have. We want to better understand the issues you’ve been facing and provide some ways forward where we can. Though we can’t directly assist here, our 24/7 live chat support is available in the Varo app— just select My Varo > Help and support > Chat with us and our chatbot will guide you through your issue and get you connected to a live agent if needed. We’re dedicated to getting this resolved for you.

Rated 1 out of 5 stars

Don't bank here!

I will never bank here, regardless of their higher than average interest rate for a HYSA. Their customer service is not helpful. The person I "chatted" with (once I was finally able to get ahold of a live person) argued with me about my failings in not being able to set up and external account. I showed him screenshots of my work and he still argued. He did not know his product. I had to end the chat. It was an unsuccessful chat and I wasted half an hour. He was also unconcerned that this might be happening to other customers. I couldn't be the only one.

February 12, 2026
Unprompted review
Varo Bank logo

Reply from Varo Bank

We’re sorry to hear you’re not happy with your experience with us. To connect an external account, open the Varo app and choose My Varo > External Accounts > Link an Account. You can then search for your external bank and continue to follow the prompts. Our skilled live Chat representatives can assist you with almost all account questions 24/7 and you can always reference your previous conversations with us. We still have phone support for certain issues that can’t be resolved through chat as well — visit varomoney.com/contact to find all of the ways to get in touch in the future!

Rated 1 out of 5 stars

I would not use varo becuz if u upload…

I would not use varo becuz if u upload a mobile check it takes two weeks for u to get your funds. Fudge varo..

February 9, 2026
Unprompted review
Varo Bank logo

Reply from Varo Bank

We hear you—that’s definitely frustrating. For us and the issuing bank, holds are necessary to verify checks and prevent negative balances. Validation times vary, but we’re working on it to make sure you get your money ASAP. For updated timeframes, visit our FAQ link on the sidebar of this page to search for our Check Deposit FAQ.

Rated 5 out of 5 stars

God did it the right bank

Call secure my bank account thank you cause I’ve been scam before so thank you greatly appreciate you watch in helping me make it secure and I like the direct deposit two days before it helps me to stay ahead of my bills and rent thank you and keep food in my house thank you

January 29, 2026
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Reply from Varo Bank

Your feedback made our day! At Varo, we strive to create a streamlined, easily accessible banking experience that helps you thrive financially. Knowing that we’ve been able to do that for you means the world to us!

Rated 5 out of 5 stars

The best Love varo

February 6, 2026
Varo Bank logo

Reply from Varo Bank

Your feedback made our day! At Varo, we strive to create a streamlined, easily accessible banking experience that helps you thrive financially. Knowing that we’ve been able to do that for you means the world to us!

Rated 3 out of 5 stars

Slight issues like lagging

February 4, 2026
Unprompted review
Varo Bank logo

Reply from Varo Bank

Thank you for your feedback. We are glad you are happy with your experience overall—and we'll pass along your feedback to our product team to help improve your experience. Though we can’t directly assist here, our 24/7 live chat support is available in the Varo app— just select My Varo > Help and support > Chat with us and our chatbot will guide you through your issue and get you connected to a live agent if needed. We’re dedicated to getting this resolved for you.

Rated 5 out of 5 stars

No issues what so ever

No issues what so ever. Good banking so far.

February 4, 2026
Varo Bank logo

Reply from Varo Bank

Your feedback made our day! At Varo, we strive to create a streamlined, easily accessible banking experience that helps you thrive financially. Knowing that we’ve been able to do that for you means the world to us!

Rated 5 out of 5 stars

Great customer service

Great customer service

February 4, 2026
Varo Bank logo

Reply from Varo Bank

We’re thrilled to hear about your positive experience! Varo’s mission is all about making banking more inclusive and giving everyone the tools they need for financial success. Thank you for trusting us on your journey—we’re excited to keep supporting you!

Rated 5 out of 5 stars

I love my experience with Vero Bank

I love my experience with Vero Bank. There are never any fees you can usually get a hold of somebody when you have a problem and the app is super easy to use. I highly recommend this for anybody that's looking for a new checking account that's going to save the money.

February 4, 2026
Varo Bank logo

Reply from Varo Bank

That’s exactly what we want to hear! At Varo, service and simplicity are a priority. Thank you for taking the time to share your own experience! We look forward to continuing to serve you for many years to come.

Rated 5 out of 5 stars

Great experience with overall service…

Great experience with overall service very helpful building credit drafting paying bills on time and receiving direct deposits in timely manner!

February 4, 2026
Varo Bank logo

Reply from Varo Bank

Your feedback made our day! At Varo, we strive to create a streamlined, easily accessible banking experience that helps you thrive financially. Knowing that we’ve been able to do that for you means the world to us!

Rated 1 out of 5 stars

customer service is a joke

customer service is a joke they talk in circles and are useless. my direct deposit was sent a week ago and I still haven't received a penny of it. steer clear. use chime

February 3, 2026
Unprompted review
Varo Bank logo

Reply from Varo Bank

We hear you and we understand your frustration. Rest assured, we post direct deposits the same day that we receive them. Deposits post throughout the day and the time of deposit may vary from week to week and month to month—but since they’re never pending, we see them when you do. In addition, we want to ensure that you have the best customer service experience possible. With this in mind, we do offer 24/7 servicing in the Varo app from both a chatbot and live representatives. The chatbot can assist with general inquiries but you can still be connected to a live representative for further issues that require a more personal review. If you have your 15-Digit Bank Trace ID for your deposit, we encourage you to reach back out to us so we can help get this matter resolved.

Rated 5 out of 5 stars

I love how convenient they make banking…

I love how convenient they make banking with them.

February 2, 2026
Varo Bank logo

Reply from Varo Bank

Thank you for your loyalty and for taking the time to share your experience. We’re here to help you reach your financial goals with a system that is accessible. To more years ahead!

Rated 5 out of 5 stars

Excellent banking experience with added…

Excellent banking experience with added features like cash advance and small loans that are great compared to regular banking. The Apy on savings is just another added bonus and the Varo Believe card is Excellent.

February 2, 2026
Varo Bank logo

Reply from Varo Bank

Your feedback made our day! At Varo, we strive to create a streamlined, easily accessible banking experience that helps you thrive financially. Knowing that we’ve been able to do that for you means the world to us!

Rated 5 out of 5 stars
Varo Bank logo

Reply from Varo Bank

That’s exactly what we want to hear! At Varo, service and simplicity are a priority. Thank you for taking the time to share your own experience! We look forward to continuing to serve you for many years to come.

Rated 5 out of 5 stars

Ur amazing and wonderful

Ur amazing and wonderful

February 1, 2026
Varo Bank logo

Reply from Varo Bank

Thank you so much for sharing your experience! At Varo, we’re committed to making banking simple, accessible, and empowering for everyone. It’s great to hear that we’re making a positive impact. We’re here to help every step of the way!

Rated 5 out of 5 stars

Took care of my needs

February 1, 2026
Varo Bank logo

Reply from Varo Bank

That’s exactly what we want to hear! At Varo, service and simplicity are a priority. Thank you for taking the time to share your own experience! We look forward to continuing to serve you for many years to come.

Rated 1 out of 5 stars

Money takes to long to hit

Money takes to long to hit

January 31, 2026
Varo Bank logo

Reply from Varo Bank

Thanks for reaching out. We hear you and we understand your frustration. Rest assured, we post direct deposits the same day that we receive them. Deposits post throughout the day and the time of deposit may vary from week to week and month to month—but since they’re never pending, we see them when you do. In addition, we want to ensure that you have the best customer service experience possible. With this in mind, we do offer 24/7 servicing in the Varo app from both a chatbot and live representatives. The chatbot can assist with general inquiries but you can still be connected to a live representative for further issues that require a more personal review. If you have your 15-Digit Bank Trace ID for your deposit, we encourage you to reach back out to us so we can help get this matter resolved.

Rated 5 out of 5 stars

Always got your back on the money front

I've been banking with Varo for a while now and I have no complaints at all

February 1, 2026
Varo Bank logo

Reply from Varo Bank

Thank you so much for sharing your experience! At Varo, we’re committed to making banking simple, accessible, and empowering for everyone. It’s great to hear that we’re making a positive impact. We’re here to help every step of the way!

Rated 5 out of 5 stars

They are very helpful if have a problem…

They are very helpful if have a problem easy to unstable how to do things

January 21, 2026
Varo Bank logo

Reply from Varo Bank

Your feedback made our day! At Varo, we strive to create a streamlined, easily accessible banking experience that helps you thrive financially. Knowing that we’ve been able to do that for you means the world to us!

Rated 5 out of 5 stars

Great Bank

Great Bank! Fast direct deposits!

February 2, 2026
Varo Bank logo

Reply from Varo Bank

Your feedback made our day! At Varo, we strive to create an accessible banking experience that helps you thrive financially. Knowing that we’ve been able to do that for you means the world to us. It’s feedback like yours that drives us to keep pushing forward—thank you for being part of our community!

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