Skip to content

Coaching waitlist is open. Join the waitlist

Priceless Tay
Find My Money Type
Varo logo

Bank app facts

Varo app

Varo Bank on iPhone and Android. Store facts as of .

I earn commissions from some links.

Visit Varo's site (opens in a new tab)

What the Varo app is for and who it fits

Varo Bank, N.A. is a nationally chartered online bank, and Varo says your money is FDIC insured up to $250,000 directly with it. Because Varo is an online bank, the app is the main way you use the account.

Varo says its bank account has no monthly fees, no minimum balance fees and no overdraft fees. Set up direct deposit and Varo says it makes your pay available the day it receives it, which is typically up to 2 days early.

For saving, Varo's automatic tools round up your spare change and can move part of each paycheck into savings. It fits people who want a no-fee account and savings habits that run in the background.

Written from these official pages, checked :

Store ratings

These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.

App Store rating (iPhone)

4.9out of 5

233,523 ratings

As of · App Store listing

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

App facts

Last App Store update
Version 4.44.1, released Nov 10, 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

What the app looks like, screen by screen

Every image we have of the Varo app, grouped by task. 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 (4)

  • Varo bank account screen with available balance
    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
  • Varo savings account screen
    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
  • Varo bank account home on iPad
    App Store marketing imageThe iPad Bank account screen: All, Money out and Money in filters, an available balance of $2,352.47 with Move money and View card buttons, a "You saved $10.95 this month in fees!" banner placed over it and a pending transfer to savings.App Store listing, as of
  • Available balance $2,340.04 with filter chips
    App Store marketing imageAll, Money out and Money in filter chips above an available balance of $2,340.04.App Store listing, as of

Transfer and send (1)

  • Varo Zelle payment sent confirmation
    App Store marketing imageA Zelle confirmation on iPad: "You sent Chris $600.00" with the memo "rent" and a house illustration.App Store listing, as of

Card controls (1)

  • Varo card lock, alerts and biometric toggles
    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

Settings and security (1)

  • Varo security settings toggles
    App Store marketing imageThree settings rows with switches on: Lock your card with your phone, Real-time transaction alerts, and Face ID and fingerprint privacy.App Store listing, as of

Goals (1)

  • Varo savings account with an APY banner
    App Store marketing imageA Savings account with $1,987.00 available, interest earned, an "Earn more with 3.75% APY" banner placed over it and pending and posted transfers.App Store listing, as of

Reports and insights (3)

  • Varo spending summary with categories
    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
  • Varo monthly spending chart with comparison note
    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
  • Spending comparison note
    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

Other screens (3)

  • Varo find a cash deposit location map
    App Store marketing imageA Find a location screen with a search field for CVS and a map with location pins.App Store listing, as of
  • Varo cash deposit locations map with savings banner
    From Varo's websiteA Deposit locations screen with an address search and a map, with a banner saying Great job avoiding cash deposit fees! You saved $4.95 by depositing your cash for free at CVS.varomoney.com, as of
  • Varo line of credit amount screen
    App Store marketing imageA Line of Credit screen: How much would you like to borrow? set to $800 with Term 4 months, Monthly payment $225/mo and Fee $100.App Store listing, as of

Features its official sources state

Varo's website, help center or app store listing states these 9 app features, in the bank's own words.

✓ means the bank's official sources (its website, help center or official app store listing) state it, with the quote and page shown. ✕ means those sources say the bank doesn't offer it. We never mark a feature ✕ just because a page doesn't mention it.

Privacy and accessibility 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.

App privacy

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

Varo

The App Store listing shows no accessibility labels for this app (checked Oct 25, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.

FAQ

Is Varo a bank?

Yes, Varo says it is a nationally chartered online bank, so your money is FDIC insured up to $250,000 directly with Varo Bank, N.A.

Does Varo offer early direct deposit?

Yes, Varo says it gives you access to direct deposits from employer and government payers on the day it receives them, which is typically up to 2 days before your scheduled pay date.

Does Varo charge monthly fees?

No, Varo says its bank account has no monthly fees and no minimum balance fees.

What savings features does the Varo app have?

Varo says its automatic savings tools round up your spare change and tuck away a bit of your pay so you can reach goals faster.

Compare Varo with another app

Sources and dates

How we compare bank apps explains every source and what we don't do yet. See every bank app.

This is education, not financial advice.