Bank app comparison
Betterment vs Varo app
Store facts as of
Short answer
On the App Store, Betterment has a store rating of 4.8 out of 5 from 66,106 ratings, and Varo has a store rating of 4.9 out of 5 from 233,533 ratings, as of Oct 24, 2026. Betterment last updated its iPhone app on Oct 20, 2026, and Varo on Oct 22, 2026. Of the 10 app features we look for on each bank's own website, we found 1 stated by Betterment and 6 by Varo.
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
Betterment
Google Play rating (Android)
4.6out of 5
19.6K reviews, as shown on Google Play. Updated on Oct 19, 2026.
As of · Google Play listing
Varo
Google Play rating (Android)
4.5out of 5
245K reviews, as shown on Google Play. Updated on Oct 21, 2026.
As of · Google Play listing
Updates and app facts
Betterment last updated its iPhone app on Oct 20, 2026, 4 days before we checked, and Google Play shows its Android app updated on Oct 19, 2026. Varo last updated its iPhone app on Oct 22, 2026, 2 days before we checked, and Google Play shows its Android app updated on Oct 21, 2026.
Betterment
- Last App Store update
- Version 9.61.0, released Oct 20, 2026
- App size
- 150 MB
- Requires
- iOS 16.0 or later
- Runs on
- iPhone
- Languages
- 3 (English and 2 more)
- Developer
- Betterment
As of · App Store listing
Varo
- Last App Store update
- Version 4.43.0, released Oct 22, 2026
- App size
- 128.2 MB
- Requires
- iOS 16.4 or later
- Runs on
- iPhone, iPad and Apple Vision
- Languages
- 1 (English)
- Developer
- Varo Money inc
As of · App Store listing
Features each bank states
| Feature | Betterment | Varo |
|---|---|---|
| Mobile check deposit | Not found on the bank's site yet | Not found on the bank's site yet |
| Card lock and unlock | Not found on the bank's site yet | Stated on the bank's siteSource: varomoney.com/security-and-control |
| Send money to people | Not found on the bank's site yet | Stated on the bank's siteVaro to AnyoneSource: varomoney.com/mobile-banking |
| Account alerts | Not found on the bank's site yet | Stated on the bank's siteSource: varomoney.com/mobile-banking |
| Budgeting or spending insights | Not found on the bank's site yet | Not found on the bank's site yet |
| Automatic saving | Stated on the bank's siteSource: betterment.com/cash-reserve | Stated on the bank's siteSource: varomoney.com/automatic-savings-tools |
| Virtual assistant | Not found on the bank's site yet | Not found on the bank's site yet |
| Face or fingerprint sign-in | Not found on the bank's site yet | Not found on the bank's site yet |
| Credit score in the app | Not found on the bank's site yet | Stated on the bank's siteSource: varomoney.com/credit-builder |
| Apple Pay or Google Pay | Not found on the bank's site yet | Stated on the bank's siteSource: varomoney.com/debit-card |
| Stated on the bank's site | 1 of 10 | 6 of 10 |
✓ means the bank's own website states it, with the quote and page shown. ? means we did not find it stated on the bank's site, not that the app lacks it. We never mark a feature as missing unless the bank says so. Each ✓ links to the page it came from; the quotes are on each app's own page.
Screen by screen
Pick a task to see what each app shows for it. App Store, Google Play and bank website images are the bank's own marketing, so names and balances are sample data. Help center images come from the bank's support pages. See every bank app's screens.
Home and accounts
Betterment
App Store marketing imageA Good morning, Alex home screen with total net worth and Betterment balance, and an Accounts list with Cash Reserve, Automated Investing, Self-directed investing and Retirement.App Store listing, as of 
App Store marketing imageA Cash Reserve screen showing a $17,032.38 balance, current APY, FDIC insurance and total interest paid, Deposit and Transfer buttons, and recent activity.App Store listing, as of 
App Store marketing imageAn Accounts list with Cash Reserve at $8,000.00, Automated investing at $40,368.66, Self-directed investing at $5,627.20 and Retirement at $75,915.12.App Store listing, as of 
App Store marketing imageA card showing current APY of 4.25% boosted, FDIC insurance up to $4M and $195.16 total interest paid.App Store listing, as of 
From Betterment's websiteA Checking card showing a $3,048.38 available balance and $36.00 in ATM fees reimbursed, with a No fees label.betterment.com, as of
Varo
App Store marketing imageA Bank account screen with All, Money out and Money in filters, a $2,340.04 available balance and transactions, partly covered by a You saved $10.95 this month in fees banner.App Store listing, as of 
App Store marketing imageA Savings account screen showing a $1,987.00 available balance, interest earned and a posted transfer of $75.00, partly covered by an Earn more with 3.75% APY banner.App Store listing, as of 
App Store marketing imageAll, Money out and Money in filter chips above an available balance of $2,340.04.App Store listing, as of
Card controls
Betterment
From Betterment's websiteA Manage account panel with a Card lock toggle switched off and a Change debit card PIN row.betterment.com, as of
Varo
App Store marketing imageThree settings rows with switches turned on for locking a card, real-time transaction alerts and Face ID and fingerprint privacy.App Store listing, as of
Investments
Betterment
App Store marketing imageA Self-directed investing screen showing a $30,000.00 balance with a performance chart and a Holdings list with Amazon and Netflix.App Store listing, as of 
App Store marketing imageA Portfolio options screen asking Choose a portfolio to invest in, listing options such as Betterment Core, Goldman Sachs Smart Beta, Innovative Technology and Climate Impact.App Store listing, as of 
App Store marketing imageAn Automated investing screen listing account benefits including tax losses harvested of $1,742.55 and dividends earned, with an Automate your savings section.App Store listing, as of 
App Store marketing imageA Performance screen showing a $162,387.10 balance with a growth chart, time range buttons and an Accounts list.App Store listing, as of 
App Store marketing imageA Holdings card with Amazon at $4,206.74 and Netflix at $3,597.55 and an Add asset link.App Store listing, as of 
App Store marketing imageA callout showing $1,742.55 in tax losses harvested.App Store listing, as of 
App Store marketing imageA balance and invested line chart from 2011 to today with time range buttons.App Store listing, as of 
From Betterment's websiteAn Automated investing card with a $50,460.82 balance, a 90% stocks ring, a growth chart and time range buttons.betterment.com, as of 
From Betterment's websiteA Self-directed investing header above tiles for AAPL, GOOG, SPY, MSFT, AMZN and NVDA.betterment.com, as of 
From Betterment's websiteA Tax-coordinated portfolio row above Traditional 401(k) at $91,281.24 and Roth IRA at $24,109.32.betterment.com, as of
Varo
No official screen found yet
Reports and insights
Betterment
No official screen found yet
Varo
App Store marketing imageA Varo Bank Account screen showing $1,450.38 total spent so far this month and a Spending by category section, partly covered by a You just got paid banner.App Store listing, as of 
From Varo's websiteA Varo Bank Account screen with Money out selected showing $1,450.38 total spend so far this month on a line chart, with a note that spending is $152.97 lower than at this time last month.varomoney.com, as of 
App Store marketing imageA note saying so far your spending is $545.76 lower than it was at this time last month.App Store listing, as of
Sharing with a partner
Betterment
From Betterment's websiteA row reading Add someone to account with an arrow.betterment.com, as of
Varo
No official screen found yet
Privacy labels
Apple's privacy labels are what each developer reports to Apple. Apple says it does not verify them. We copy the category names exactly as the App Store lists them.
Betterment
Data Used to Track You
- Contact Info
- Identifiers
- Usage Data
Data Linked to You
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
Not listed on the App Store page.
As of · App Store listing
Varo
Data Used to Track You
Not listed on the App Store page.
Data Linked to You
- Financial Info
- Location
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
- Contacts
As of · App Store listing
Accessibility labels
Betterment
The App Store listing shows no accessibility labels for this app (checked Oct 24, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
Varo
The App Store listing shows no accessibility labels for this app (checked Oct 24, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
FAQ
What are the App Store ratings for Betterment and Varo?
Betterment has a store rating of 4.8 out of 5 from 66,106 ratings. Varo has a store rating of 4.9 out of 5 from 233,533 ratings. These are App Store ratings from users, not a Priceless Tay score.
What are the Google Play ratings for Betterment and Varo?
Betterment shows 4.6 out of 5 (19.6K reviews) on Google Play, and Varo shows 4.5 out of 5 (245K reviews).
When were the Betterment and Varo iPhone apps last updated?
Betterment released version 9.61.0 on Oct 20, 2026. Varo released version 4.43.0 on Oct 22, 2026.
Which Apple devices do the Betterment and Varo apps run on?
The App Store lists iPhone for Betterment, and iPhone, iPad and Apple Vision for Varo.
Which app features does Varo state that we did not find for Betterment?
Varo's own website states card lock and unlock, send money to people, account alerts, credit score in the app and apple pay or google pay. We did not find those stated on Betterment's website, which does not mean the Betterment app lacks them.
Keep comparing
- See every fact on the Betterment app page, with all four screenshots.
- See every fact on the Varo app page, with all four screenshots.
- Compare other bank apps, or read how we compare bank apps.
Sources and dates
Betterment
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Oct 24, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 24, 2026.
- Features, from Betterment's own website: betterment.com/cash-reserve.
- Betterment's app covers Cash Reserve and investing. Features are read from betterment.com/cash-reserve.
Varo
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Oct 24, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 24, 2026.
- Features, from Varo's own website: varomoney.com/security-and-control, varomoney.com/mobile-banking, varomoney.com/automatic-savings-tools, varomoney.com/credit-builder, varomoney.com/debit-card.
This is education, not financial advice.
