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Varo Bank: Mobile Banking

Varo Bank: Mobile Banking

Varo Bank, N.A.

Mobile bank account with no monthly fees, auto savings & direct deposit

4.5 Ratings 26K+ Reviews 1M+ Downloads

Ratings & Reviews

Write a Review
  • Anne Feb 18, 2021

    By AnneBeebanannie
    I have nothing but positive things to say about Varo. I absolutely love this bank!! They are there for the people who literally live from paycheck to paycheck and cover for me if the need be. Every other bank I had stole so much of my money from me!! It actually sickens me to calculate the expenses that they sucked from me in overdrafts and even extra overdraft fees on top of the $35 every single time I needed them to be there for as a valued customer who banked with them for years. Not once in 10 years did they help me. The worst part is I now know how badly they treated me by holding my money for weeks at a time holding back my government benefits every month for 10 years. It’s unethical and wrong to treat anyone that way charge me an overdraft fee when you have had my money when I needed it most and charged me over and over and over the figure comes up to several thousand dollars when I actually saw what they had so unfairly done to me by switching to Varo holy cow praise Jesus they have treated me more than fair and I will always give VARO praise. Thank goodness you showed me what the old bank had been doing to me I am so glad I switched to Varo they are the best bank and their customer service over the phone is outstanding. Like I said in the beginning I have nothing but praise to say about this bank Varo is the best bank I ever had!!!! VARO ROCkS
  • Jun 12, 2021

    By Rebecca Taylor
    So, I've been with Varo a nice period of time. Made the transition with them to the new app and card that was smooth as butter. Referred my daughter and she has no complaints. Getting paid 2 days early is not only awesome, but the deposit post early in the morning as well. I've had to call customer service before and it was a good experience. Hats off to Varo!! I have also used The Advance feature and it was super easy. You know what else? You can use the advance as you see fit! 👏👏❣️
  • Best there is. Love VARO. May 25, 2021

    By Manic Bobo
    I switched to VARO almost 4 years ago. I got fed up with my two other brick and mortar banks (that I only went into twice in 15 years). Got tired of the attitude and delays in doing anything with them. I could never understand how they could bugger things up when my banking needs were really very basic and simple. I picked VARO over several other online banks because they were polite, helpful, and everything happens faster than my other bank. The transition from VARO money to VARO bank has been painless. My daughters and two of my friends have switched to VARO. VARO suits my needs perfectly. I don’t use much cash, don’t deposit many checks, direct deposits are posted 3-4 days early. The few checks I have posted through the app processed quickly and without any issues. The few times I’ve needed cash, they have ATM access just about everywhere. The app and Home Screen widget are great. Only bank I’ve ever dealt with where I haven’t found a single thing to complain about, or had a single problem. The only real semi-issue I have found is if a payment requires a bank cashiers check, banks won’t issue one wo an account in their bank, but I found the places wanting cashiers checks can be talked into money orders.
  • Jun 11, 2021

    By Brandon Munos
    I hVe used caro for some time now and I'm also in awe at how easy to use it is and the fact that i can get advances FEE FREE. The credit builder portion is a fabulous way to build your credit too. The only reason I won't go 5 stars is because i have to go to a target or CVS to not be charged an ATM fee, and the nearest target from me is 10 mins. And it's PURPLE 💜 Love you guys. Keep it up.
  • Going on 3yrs Jan 6, 2021

    By SweeTsOkc
    I’ve been using Varo since 2018, and it’s pretty cool. I’ve also banked with Chase, IBC, and MidFirst. A physical bank comes in handy if you’re living paycheck to paycheck and need that money on your card that day. Varos’ answer; if you have direct deposit then you can get paid early like with other popular apps. So that’s even better. And if you’re not in a rush you can just take a picture of the check and it’ll be in there the next day of the week. And you can deposit cash by green dot cards. But the customer service is better than any other bank I’ve had. And I’ve yet to run into any issues. They are also always ontop of the new. They were one of the first to get the cards you can just tap like Apple Pay etc. idk I’m easy going so this bank works out well for me. And the early pay is cool. If you need a bank I’d recommend this Forsure. If your bank is troublesome or anything switch over. If it’s not then only switch if you need to get paid earlier
  • Jun 7, 2021

    By Andy Frydrych
    Have used for a little over a year and so far so good, zero complaints... One feature I would love to see implemented is the virtual card number option. Some of the newer mobile banking apps have a feature to create virtual/temporary card numbers for the purpose of secure online purchases which is genius! I have recently downloaded an app to use just for that feature atleast until varo hopefully has the option.
  • Great banking, non-existent customer service Mar 17, 2021

    By BabySweetieBear
    I’ve been a member of Varo for 2 years, and have to say that since it’s become Varo Bank, getting through to customer service seems impossible. With the old Varo, I had nothing but excellent customer service. They always answered the calls or emails. I’ve been trying to get through to customer service for a week now, but no luck 😑 I start calling each morning at 8:00 when they open for business. There’s no wait time mentioned then, but no one answers. I’ll wait for an hour, then am told by the automated system that the wait time is less than 15 minutes. Um, no. It’s more like an hour. I don’t stay on beyond that. When called after 10:00 am, the estimated wait time is “ greater than 60 minutes “. Ugh. I just want to find out some important ( to me) information about a direct deposit that seems to be floating around in my old account. Emails aren’t answered either. Their inefficiency has become my problem, and there’s no way to get in touch. I hope someone from Varo bank reads this and makes it right. I don’t like being disappointed in Varo!
  • Jun 6, 2021

    By Tameika Williams
    I've been using them for about a year or so and I have not had any problems whatsoever. There are plenty of Allpoint atms locally to use. My direct deposit is always early. And being able to borrow money when I'm in a bind is an absolute plus! I see a lot of negative reviews referring to customer service. I have only reached through email and got back to me in a timely matter. I can't speak on phone customer service because I have never had to call. I also bank at Wells Fargo, I may drop them.
  • Fast and Efficient Apr 29, 2021

    By daveypassage
    I was really surprised by VARO’S ease of use and absence of unnecessary stuff. I don’t expect much from online only banking platforms, I guess because of the abundance of them. Throughout the past year however, on lock down, and now transitioning back to work, transactions that go through VARO move very fast and the security system is completely reliable without being as over the top as some of the competition’s, which, despite having an account for over two years (with one service in particular) and having used the same device for banking for nearly a year, requires my full web login and 2-factor authorization, on TOP of biometrics. VARO also had a feature that will cover you if you’re in a jam. When I needed $50 and just didn’t have it on me, I launched VARO and set up a loan in about 2 minutes.
  • Fraud issue time Mar 2, 2021

    By trullfarm2020
    Everything has been smooth sailing no issues until I had to report my account for fraud I had to freeze my account so now I have no access to it until fraud department contacts me and I’m being told it can take 2-3 days my opinion fraud issue should be taken care ASAP and you talk to someone the same day to start a report most banks you do talk to someone immediately but this bank is making me wait . I have field a police report and still haven’t filed a report with the bank except freezing my account to stop anymore money coming out so no access to money at all and they don’t seem concerned when this is your main account and have a family to provide for they expect you to wait for them for god knows how long.. bills don’t freeze nor do day to day expenses. I just think these issues should be handled right away and not have to wait days for a phone call . I am not the suspect I am the victim that someone stole a large amount of money from my account it wasn’t just a little .
  • Anne Feb 18, 2021

    By AnneBeebanannie
    I have nothing but positive things to say about Varo. I absolutely love this bank!! They are there for the people who literally live from paycheck to paycheck and cover for me if the need be. Every other bank I had stole so much of my money from me!! It actually sickens me to calculate the expenses that they sucked from me in overdrafts and even extra overdraft fees on top of the $35 every single time I needed them to be there for as a valued customer who banked with them for years. Not once in 10 years did they help me. The worst part is I now know how badly they treated me by holding my money for weeks at a time holding back my government benefits every month for 10 years. It’s unethical and wrong to treat anyone that way charge me an overdraft fee when you have had my money when I needed it most and charged me over and over and over the figure comes up to several thousand dollars when I actually saw what they had so unfairly done to me by switching to Varo holy cow praise Jesus they have treated me more than fair and I will always give VARO praise. Thank goodness you showed me what the old bank had been doing to me I am so glad I switched to Varo they are the best bank and their customer service over the phone is outstanding. Like I said in the beginning I have nothing but praise to say about this bank Varo is the best bank I ever had!!!! VARO ROCkS
  • Jun 12, 2021

    By Rebecca Taylor
    So, I've been with Varo a nice period of time. Made the transition with them to the new app and card that was smooth as butter. Referred my daughter and she has no complaints. Getting paid 2 days early is not only awesome, but the deposit post early in the morning as well. I've had to call customer service before and it was a good experience. Hats off to Varo!! I have also used The Advance feature and it was super easy. You know what else? You can use the advance as you see fit! 👏👏❣️
  • Best there is. Love VARO. May 25, 2021

    By Manic Bobo
    I switched to VARO almost 4 years ago. I got fed up with my two other brick and mortar banks (that I only went into twice in 15 years). Got tired of the attitude and delays in doing anything with them. I could never understand how they could bugger things up when my banking needs were really very basic and simple. I picked VARO over several other online banks because they were polite, helpful, and everything happens faster than my other bank. The transition from VARO money to VARO bank has been painless. My daughters and two of my friends have switched to VARO. VARO suits my needs perfectly. I don’t use much cash, don’t deposit many checks, direct deposits are posted 3-4 days early. The few checks I have posted through the app processed quickly and without any issues. The few times I’ve needed cash, they have ATM access just about everywhere. The app and Home Screen widget are great. Only bank I’ve ever dealt with where I haven’t found a single thing to complain about, or had a single problem. The only real semi-issue I have found is if a payment requires a bank cashiers check, banks won’t issue one wo an account in their bank, but I found the places wanting cashiers checks can be talked into money orders.
  • Jun 11, 2021

    By Brandon Munos
    I hVe used caro for some time now and I'm also in awe at how easy to use it is and the fact that i can get advances FEE FREE. The credit builder portion is a fabulous way to build your credit too. The only reason I won't go 5 stars is because i have to go to a target or CVS to not be charged an ATM fee, and the nearest target from me is 10 mins. And it's PURPLE 💜 Love you guys. Keep it up.
  • Going on 3yrs Jan 6, 2021

    By SweeTsOkc
    I’ve been using Varo since 2018, and it’s pretty cool. I’ve also banked with Chase, IBC, and MidFirst. A physical bank comes in handy if you’re living paycheck to paycheck and need that money on your card that day. Varos’ answer; if you have direct deposit then you can get paid early like with other popular apps. So that’s even better. And if you’re not in a rush you can just take a picture of the check and it’ll be in there the next day of the week. And you can deposit cash by green dot cards. But the customer service is better than any other bank I’ve had. And I’ve yet to run into any issues. They are also always ontop of the new. They were one of the first to get the cards you can just tap like Apple Pay etc. idk I’m easy going so this bank works out well for me. And the early pay is cool. If you need a bank I’d recommend this Forsure. If your bank is troublesome or anything switch over. If it’s not then only switch if you need to get paid earlier
  • Jun 7, 2021

    By Andy Frydrych
    Have used for a little over a year and so far so good, zero complaints... One feature I would love to see implemented is the virtual card number option. Some of the newer mobile banking apps have a feature to create virtual/temporary card numbers for the purpose of secure online purchases which is genius! I have recently downloaded an app to use just for that feature atleast until varo hopefully has the option.
  • Great banking, non-existent customer service Mar 17, 2021

    By BabySweetieBear
    I’ve been a member of Varo for 2 years, and have to say that since it’s become Varo Bank, getting through to customer service seems impossible. With the old Varo, I had nothing but excellent customer service. They always answered the calls or emails. I’ve been trying to get through to customer service for a week now, but no luck 😑 I start calling each morning at 8:00 when they open for business. There’s no wait time mentioned then, but no one answers. I’ll wait for an hour, then am told by the automated system that the wait time is less than 15 minutes. Um, no. It’s more like an hour. I don’t stay on beyond that. When called after 10:00 am, the estimated wait time is “ greater than 60 minutes “. Ugh. I just want to find out some important ( to me) information about a direct deposit that seems to be floating around in my old account. Emails aren’t answered either. Their inefficiency has become my problem, and there’s no way to get in touch. I hope someone from Varo bank reads this and makes it right. I don’t like being disappointed in Varo!
  • Jun 6, 2021

    By Tameika Williams
    I've been using them for about a year or so and I have not had any problems whatsoever. There are plenty of Allpoint atms locally to use. My direct deposit is always early. And being able to borrow money when I'm in a bind is an absolute plus! I see a lot of negative reviews referring to customer service. I have only reached through email and got back to me in a timely matter. I can't speak on phone customer service because I have never had to call. I also bank at Wells Fargo, I may drop them.
  • Fast and Efficient Apr 29, 2021

    By daveypassage
    I was really surprised by VARO’S ease of use and absence of unnecessary stuff. I don’t expect much from online only banking platforms, I guess because of the abundance of them. Throughout the past year however, on lock down, and now transitioning back to work, transactions that go through VARO move very fast and the security system is completely reliable without being as over the top as some of the competition’s, which, despite having an account for over two years (with one service in particular) and having used the same device for banking for nearly a year, requires my full web login and 2-factor authorization, on TOP of biometrics. VARO also had a feature that will cover you if you’re in a jam. When I needed $50 and just didn’t have it on me, I launched VARO and set up a loan in about 2 minutes.
  • Fraud issue time Mar 2, 2021

    By trullfarm2020
    Everything has been smooth sailing no issues until I had to report my account for fraud I had to freeze my account so now I have no access to it until fraud department contacts me and I’m being told it can take 2-3 days my opinion fraud issue should be taken care ASAP and you talk to someone the same day to start a report most banks you do talk to someone immediately but this bank is making me wait . I have field a police report and still haven’t filed a report with the bank except freezing my account to stop anymore money coming out so no access to money at all and they don’t seem concerned when this is your main account and have a family to provide for they expect you to wait for them for god knows how long.. bills don’t freeze nor do day to day expenses. I just think these issues should be handled right away and not have to wait days for a phone call . I am not the suspect I am the victim that someone stole a large amount of money from my account it wasn’t just a little .
  • Nothing but ongoing issues since they switched to Varo Bank Mar 4, 2021

    By Nacita Moore
    Since Varo received their charter to become a bank there has been nothing but ongoing issues with them ever since. From glitches with activation to account glitches, swiping your card and paying for items glitches, weird account error message glitches...I got annoyed with it all and moved my DD back to Chime temporarily hoping that maybe one day Varo will get it together and I would potentially switch back. I did leave my account opened to deposit and cash checks via mobile deposit. They used to have a great turn around time with that. I have been using this service for over a year or two. Well now they are slacking in that area also. Banks make their money based on how much funds you hold in your account at the end of the day. So you would think they would be doing everything they can to keep their customers happy. Hmph not this bank. It was fine when they were Varo Money. I don’t understand why they chose to switch over. It’s been nothing but chaos ever since. I’m to the point where I am so disappointed with these folks that I am about to close my account completely. I gave them the benefit of the doubt. I gave them many chances and months to redeem themselves. I’m so disappointed especially after speaking so highly of their services. It’s very saddening and very unfortunate.
  • Jun 8, 2021

    By shanelle Robinson
    I've been using this bank for some time now and never had an issue until Sunday. Wouldn't let me transfer money from my savings to my checking, would tell me that it was successful but when I actually clicked on the transfer it would say that it was canceled. Finally was able to transfer today, but wouldn't let me add money to my Cash App account. Now, it's back to not letting me transfer from savings to checking, it won't even let me select it.
  • Why did you take away so many useful things? Dec 17, 2020

    By Dominicanfella
    This app is worse than the original app. You should have kept the old one. I shouldn’t have to open the app to view my updated balance. The old app would let you see your balance via notification if you spend anything. Also when you make a transfer from savings to checking or visa versa there is no notification at all. You guys took one step forwards and 10 steps back. When someone send you money via Zelle for example, still no notification saying the money is received as well. You have to log in and wait to see the funds. It use to be almost instant with the old app. This update was the worst thing you guys have done. I was ok with updating my direct deposit and all those other things, but not giving the user proper notifications is not good. I need to be able to see what goes in and out of my account, and I see other reviews saying the same things. Why change something that wasn’t broken? At least keep the useful things. It’s useful to be able to view your current balance after you spent some money without having to log in completely. Whoever took away these features should give me their job. You had one job. One job. Now I need to find another bank.
  • Horrendous deposit limits that competitors don’t have Dec 1, 2020

    By RandallG123
    Came for the high interest yield savings (like most people) and cancelled my account within a month. Would’ve cancelled sooner but I wanted to give the bank a chance. It’s the 1st of December and I still haven’t received my funds and it’s been over three weeks since I cancelled. Customer service’s feedback was “they’re escalating it and they’re not sure a check was even issued...”.I still don’t have my money which I saved for Christmas shopping and I don’t even know when I’ll get it. To be more specific Varo has ridiculous limits (like tiny limit i.e $50) for the amount you can deposit into your savings from an outside institution. You can avoid the limit if you originate the transfer from the outside institution but many banks charge a fee for doing that. Ally bank, a direct competitor, doesn’t have any limits or restrictions like that. Essentially Varo tries to get you to utilize more of their services like their checking account (obligatory checking account by the way). They want you to get automatic deposits too, for example, and in return they will increase your deposit limits. On top of everything they made the cancellation process a nightmare. There are so many better options out there. Stay away
  • Jun 7, 2021

    By Regina Lineberry
    I have the old and new varo checking. Lately i filed a dispute on both accounts. There were several transactions that totaled nearly $400. I didnt know or have a clue to what was going on. After varos investigation, they told me they didnt find anything wrong so im out of $400. As a customer, they should of helped me recover my 400. I dont feel safe now about having my money in their banks and have peace of mind that its secured
  • Jun 7, 2021

    By Aleisha Caldwell
    I honestly feel as though the old app was better. I've been trying for months to get a statement from the closed account with no help. I've done all the steps to see said statement but the statement it pulls up is for the open account. I've emailed multiple times and called multiple times, and they're only answer is to tell me how to get to my statement. Which I already know. The problem is the wrong statement being there. Smh, do better varo.
  • Do not use this bank! Jun 5, 2021

    By winteroutloud
    I opened an account in March with Varo for their interest rate to help grow my savings. Made a few initial depots and pretty much just left it like that. Then, a few weeks ago I was notified that my account had been closed. No reason, no notification beforehand that anything strange was going on. “We will email you in 2-3 business days,” was their only comment. Attempts to log in on the app and website were met with an alert that my account was locked. A week went by with no contact from them. Couldn’t get through via the automated customer support because my account number couldn’t be found. Finally, after being disconnected several times and spending actual hours on hold, a human told me that she was “elevating my case” and that someone would get back to me via email within 24 hours. Again, nothing. So far, it has been two weeks and I have yet to receive any communication from Varo. My account is closed, I have no access to the funds I had deposited, no way of contacting anyone who can actually help me, and I still don’t even know why any of this happened. Zero stars for communication and customer service. I just want my funds back so I can put this terrible bank behind me.
  • Jun 8, 2021

    By Kiki H
    Before I NEVER had any issues with this bank. For the last week my card has been declined in stores but never online and it's quite irritating!!! I can't get the things I need because of this issue and it's extremely embarrassing for the cashier to tell me "Miss, your card has been declined" when I have plenty of money! Customer service should not take between 30-60 minutes each time you call, do you guys not have separate teams for this?? I will change my rating/review when I get helped.
  • 1 star too many Jun 7, 2021

    By OpieNovak
    I have been using Varo Bank for about a month now. The first two weeks went fine, no real issues. I got all of my funds transferred into their bank, and then they froze my account, stating that there was a problem with their system that should be cleared up by the end of the day. So I waited. 2 days later, I still have no access to my money. I call again, each time with over an hour hold time. I get another rep that tells me the same thing, almost word for word like it’s memorized. You’ll have your funds by the end of today, tomorrow at the latest. I wait a couple more days, spend an hour and a half on hold. Same memorized speech. I’m leaving for a work trip in an hour with a $20 bill and a prayer that they will fix it so I can get home. My mortgage is past due, bills are stacking up, and all my money is controlled by Varo. After explaining this to the rep, he just hung up on me. I’m completely at a loss here with no money, and now am seeking legal action to obtain my funds and close that account. Oh yeah, I can’t even close my account, did I mention that? This company has cleaned out all of my funds overnight, and I’ve had it. Stay away!
  • Jun 5, 2021

    By M. Patchin
    Horrible customer service. For the past three days I have tried to reach ANYONE at their 'customer service' number...waiting 37 minutes, 48 minutes, and today almost an hour and twenty minutes on hold, I order to simply reset my forgotten PIN number. Not once did I ever even get an acknowledgment from an agent. I finally gave up, transferred all my account to a real bank (Wells Fargo) where they seem to actually care about their customers. Will be closing this account first thing Monday.

No reviews available

No reviews available

  • Anne Feb 18, 2021

    By AnneBeebanannie
    I have nothing but positive things to say about Varo. I absolutely love this bank!! They are there for the people who literally live from paycheck to paycheck and cover for me if the need be. Every other bank I had stole so much of my money from me!! It actually sickens me to calculate the expenses that they sucked from me in overdrafts and even extra overdraft fees on top of the $35 every single time I needed them to be there for as a valued customer who banked with them for years. Not once in 10 years did they help me. The worst part is I now know how badly they treated me by holding my money for weeks at a time holding back my government benefits every month for 10 years. It’s unethical and wrong to treat anyone that way charge me an overdraft fee when you have had my money when I needed it most and charged me over and over and over the figure comes up to several thousand dollars when I actually saw what they had so unfairly done to me by switching to Varo holy cow praise Jesus they have treated me more than fair and I will always give VARO praise. Thank goodness you showed me what the old bank had been doing to me I am so glad I switched to Varo they are the best bank and their customer service over the phone is outstanding. Like I said in the beginning I have nothing but praise to say about this bank Varo is the best bank I ever had!!!! VARO ROCkS
  • Jun 12, 2021

    By Rebecca Taylor
    So, I've been with Varo a nice period of time. Made the transition with them to the new app and card that was smooth as butter. Referred my daughter and she has no complaints. Getting paid 2 days early is not only awesome, but the deposit post early in the morning as well. I've had to call customer service before and it was a good experience. Hats off to Varo!! I have also used The Advance feature and it was super easy. You know what else? You can use the advance as you see fit! 👏👏❣️
  • Best there is. Love VARO. May 25, 2021

    By Manic Bobo
    I switched to VARO almost 4 years ago. I got fed up with my two other brick and mortar banks (that I only went into twice in 15 years). Got tired of the attitude and delays in doing anything with them. I could never understand how they could bugger things up when my banking needs were really very basic and simple. I picked VARO over several other online banks because they were polite, helpful, and everything happens faster than my other bank. The transition from VARO money to VARO bank has been painless. My daughters and two of my friends have switched to VARO. VARO suits my needs perfectly. I don’t use much cash, don’t deposit many checks, direct deposits are posted 3-4 days early. The few checks I have posted through the app processed quickly and without any issues. The few times I’ve needed cash, they have ATM access just about everywhere. The app and Home Screen widget are great. Only bank I’ve ever dealt with where I haven’t found a single thing to complain about, or had a single problem. The only real semi-issue I have found is if a payment requires a bank cashiers check, banks won’t issue one wo an account in their bank, but I found the places wanting cashiers checks can be talked into money orders.
  • Going on 3yrs Jan 6, 2021

    By SweeTsOkc
    I’ve been using Varo since 2018, and it’s pretty cool. I’ve also banked with Chase, IBC, and MidFirst. A physical bank comes in handy if you’re living paycheck to paycheck and need that money on your card that day. Varos’ answer; if you have direct deposit then you can get paid early like with other popular apps. So that’s even better. And if you’re not in a rush you can just take a picture of the check and it’ll be in there the next day of the week. And you can deposit cash by green dot cards. But the customer service is better than any other bank I’ve had. And I’ve yet to run into any issues. They are also always ontop of the new. They were one of the first to get the cards you can just tap like Apple Pay etc. idk I’m easy going so this bank works out well for me. And the early pay is cool. If you need a bank I’d recommend this Forsure. If your bank is troublesome or anything switch over. If it’s not then only switch if you need to get paid earlier
  • Jun 7, 2021

    By Andy Frydrych
    Have used for a little over a year and so far so good, zero complaints... One feature I would love to see implemented is the virtual card number option. Some of the newer mobile banking apps have a feature to create virtual/temporary card numbers for the purpose of secure online purchases which is genius! I have recently downloaded an app to use just for that feature atleast until varo hopefully has the option.
  • Jun 6, 2021

    By Tameika Williams
    I've been using them for about a year or so and I have not had any problems whatsoever. There are plenty of Allpoint atms locally to use. My direct deposit is always early. And being able to borrow money when I'm in a bind is an absolute plus! I see a lot of negative reviews referring to customer service. I have only reached through email and got back to me in a timely matter. I can't speak on phone customer service because I have never had to call. I also bank at Wells Fargo, I may drop them.
  • Fast and Efficient Apr 29, 2021

    By daveypassage
    I was really surprised by VARO’S ease of use and absence of unnecessary stuff. I don’t expect much from online only banking platforms, I guess because of the abundance of them. Throughout the past year however, on lock down, and now transitioning back to work, transactions that go through VARO move very fast and the security system is completely reliable without being as over the top as some of the competition’s, which, despite having an account for over two years (with one service in particular) and having used the same device for banking for nearly a year, requires my full web login and 2-factor authorization, on TOP of biometrics. VARO also had a feature that will cover you if you’re in a jam. When I needed $50 and just didn’t have it on me, I launched VARO and set up a loan in about 2 minutes.
  • Jun 8, 2021

    By Jason Glass
    Have now been using Varo for a while and I can honestly say I've never once had any problems. App is easy to use and understand, have no trouble at all linking my account with with any Financial/Investing or other apps. I have been using for Cash App, Venmo, Public, Robinhood and many other apps, transfers are instant and I never have had an issue finding and linking my account on Plaid. Haven't been hit with any BS fees either. You can withdraw your money at any Allpoint ATM for free too.
  • This is honestly "VAR-Out" dudes! Apr 21, 2021

    By Jostub01
    Simply put, it's no hassle and a great main, or even back up, checking / checking + saving account based platform. Works as advertised and is as painless for me as they come. I have yet to have any issue with the service for over a year, I believe atleast a year if not two, and it's come in very handy on numerous occasions. Plus the straight forward "fee's (or lack thereof) and interest rates" are pretty nifty. Keep up the great service and I'll keep my eyes peeled for maybe some cool new features coming in future updates *hint *hint lol (but honestly, my only recommendation would be that we get to see you folks additing some cool new twists, bells, whistles and even small touches, even if for a test run. It's that extra special spice that keeps a service like Varo feeling just as fresh, and down to earth, as it was on day one.)
  • Jun 4, 2021

    By MARYJANE WILLIAMS
    Its a phenomenal app, I'm very pleased with what the developers had to offer here. It's an easy to use platform with a beautifully designed interface and it works with all Plaid options as opposed to Cashapp, Venmo & Paypal. You can pair it to Self Lender to build your credit and set up deposits and transfers without any hassle. Highly recommended.
  • Jun 11, 2021

    By Brandon Munos
    I hVe used caro for some time now and I'm also in awe at how easy to use it is and the fact that i can get advances FEE FREE. The credit builder portion is a fabulous way to build your credit too. The only reason I won't go 5 stars is because i have to go to a target or CVS to not be charged an ATM fee, and the nearest target from me is 10 mins. And it's PURPLE 💜 Love you guys. Keep it up.
  • It's Pretty Cool Apr 27, 2021

    By NenaLinda82pr
    My bank currently closed after many years, so I was forced to find another provider. Varo is pretty close to my previous simple account, and they have all the features you could want in an account. I just wish a few extra items were tweaked in there. Such as transaction search by name. And the ability to earn interest on anything over $5k in savings. For some reason, my Varo account also does not work with a few service providers, such as Paypal (as a bank account - it only accepts the debit card number), Target RedCard (to make payments), Earnin app (to receive), and a few others. I find this all highly inconvenient, and its unclear why these connections don't work. I also don't appreciate the limits of deposit or the fact you make me write "check for deposit with varo bank only" but then refuse a check because the person who gave it to me cut it off too fast and the edges aren't 100% perfect.
  • The Next Best Thing to Chime Mar 21, 2021

    By Leo.shelton
    Chime seems to beat out Varo at everything except the savings APY. I’ve been using Varo with direct deposit for about a month now. I do get my paycheck almost 6 hours earlier in the day than I did using chime so that’s a plus. But chime’s app design is better, offers credit builder credit card, and has support chat in the app. Honestly the only thing that I don’t like about this bank is that their app is so boring and simple. The GUI is about as simple as it gets. Grateful they included a balance widget at least for the Home Screen . I’m not extremely concerned though because Varo is a reputable bank but just created this new app to switch to a better banking system so I can’t to wait see what the future has in store for Varo. Please keep your customers satisfaction the number one goal for this bank and it will be better than chime.
  • Was a customer for 3+ years Jun 11, 2021

    By Kevvinnnrrr
    Overall I was very happy to have had VARO, they were a lifesaver in that particular moment in my life and I stayed with them through everything since, I’ve had some issues a few times with transactions and they solved my problems quick and were very helpful everytime. Also always linkable and convenient. I have recommended them to at least 50+ people in the time I had them...now I would have given 5 stars, if it weren’t that they closed my account 2 days ago...apparently in the user agreement, the account is not to be used as a business account and I had my SBA loan deposited to this account...they told me that it violated the agreement which was terms for account closure..it’s unfortunate...but I would still recommend this bank...just don’t have an SBA loan deposited to it.
  • Great banking, non-existent customer service Mar 17, 2021

    By BabySweetieBear
    I’ve been a member of Varo for 2 years, and have to say that since it’s become Varo Bank, getting through to customer service seems impossible. With the old Varo, I had nothing but excellent customer service. They always answered the calls or emails. I’ve been trying to get through to customer service for a week now, but no luck 😑 I start calling each morning at 8:00 when they open for business. There’s no wait time mentioned then, but no one answers. I’ll wait for an hour, then am told by the automated system that the wait time is less than 15 minutes. Um, no. It’s more like an hour. I don’t stay on beyond that. When called after 10:00 am, the estimated wait time is “ greater than 60 minutes “. Ugh. I just want to find out some important ( to me) information about a direct deposit that seems to be floating around in my old account. Emails aren’t answered either. Their inefficiency has become my problem, and there’s no way to get in touch. I hope someone from Varo bank reads this and makes it right. I don’t like being disappointed in Varo!
  • Fraud issue time Mar 2, 2021

    By trullfarm2020
    Everything has been smooth sailing no issues until I had to report my account for fraud I had to freeze my account so now I have no access to it until fraud department contacts me and I’m being told it can take 2-3 days my opinion fraud issue should be taken care ASAP and you talk to someone the same day to start a report most banks you do talk to someone immediately but this bank is making me wait . I have field a police report and still haven’t filed a report with the bank except freezing my account to stop anymore money coming out so no access to money at all and they don’t seem concerned when this is your main account and have a family to provide for they expect you to wait for them for god knows how long.. bills don’t freeze nor do day to day expenses. I just think these issues should be handled right away and not have to wait days for a phone call . I am not the suspect I am the victim that someone stole a large amount of money from my account it wasn’t just a little .
  • Why did you take away so many useful things? Dec 17, 2020

    By Dominicanfella
    This app is worse than the original app. You should have kept the old one. I shouldn’t have to open the app to view my updated balance. The old app would let you see your balance via notification if you spend anything. Also when you make a transfer from savings to checking or visa versa there is no notification at all. You guys took one step forwards and 10 steps back. When someone send you money via Zelle for example, still no notification saying the money is received as well. You have to log in and wait to see the funds. It use to be almost instant with the old app. This update was the worst thing you guys have done. I was ok with updating my direct deposit and all those other things, but not giving the user proper notifications is not good. I need to be able to see what goes in and out of my account, and I see other reviews saying the same things. Why change something that wasn’t broken? At least keep the useful things. It’s useful to be able to view your current balance after you spent some money without having to log in completely. Whoever took away these features should give me their job. You had one job. One job. Now I need to find another bank.
  • Missing funds Dec 8, 2020

    By loblolashaye
    Yesterday afternoon I cash out money from my cash app to my Varo debit card and went to check my account and the money was NOT THERE ! Then Varo posted on the same day that they are experiencing technical issues with app and your balance might not be correct. I waited all day for the issue to be resolved and it wasn’t. I called Varo this morning and spoke to a representative and she tells me the supervisor is taking care of the problem and I should receive a email by the end of today about my funds and my account. Remember, this has been like this since yesterday and yesterday was my birthday. If I was really dependent on this money or had a emergency I would have been screwed because of Varo issues. Once this problem is resolved, I will deactivate my account Varo and move on to a better company. Varo was a great app to use til the New Varo debit cards came out and the new Varo app. Varo you have officially lost a long time customer because of lack of communication and the long waiting period for my funds to be shown on my account. I will NOT recommend Varo to any friends or family.
  • Jun 9, 2021

    By De'an Manning
    Varo at first was exceptional but after all the updates; This app startes bugging! My saved money is locked in. I can not move it when truly need it, the app crashes more now. I just get frustrated when I am trying to do something important and it begins to go off the deep end. For example my doctor's appointment today.... I could not even begin to purchase a cab to get to the appointment.,, So long story short I missed it because the app and it crashing...
  • I wish I could love it like I used to Feb 11, 2021

    By Pericsely89
    I’ve been with varo for almost 3 years and loved every minute of the experience with the old Varo money!, every notification, the customer service, and of course timely direct deposits. Imagine my surprise when I crossed over to the “New & So called Improved” Varo bank :(.. I don’t get none of my notifications anymore for my transactions and that’s a huge thing for me. Not knowing when things come or go and then dealing with Calling customer service, being on hold for hours, just to be told “I’m not sure why your notifications are not working, but they should be”.. DUH!!, I know they should be but for whatever reason ever since crossing over to this new bank, everything has taken a downfall which made me start moving my money back to my chime account. Please get it together Varo so I could come back to you. I’m obviously not the only experiencing this because if you look at other reviews other users have the same problem!!, New customers may not have this issue, but people who’ve had to transfer over surely do!!! Please fix this
  • Jun 8, 2021

    By Robin C
    It is very hard to contact Varo. The wait time is over the phone is over an hour. My account is not correct on my app and contacted Varo and have sent emails. They said it was being fixed and that was a month ago. I have emailed Varo several times and sent pictures and I haven't gotten a response. My account balance is still wrong and it is very inconvenient, because it is showing 50$ more than what I have. I need my account to show the correct balance.
  • Nothing but ongoing issues since they switched to Varo Bank Mar 4, 2021

    By Nacita Moore
    Since Varo received their charter to become a bank there has been nothing but ongoing issues with them ever since. From glitches with activation to account glitches, swiping your card and paying for items glitches, weird account error message glitches...I got annoyed with it all and moved my DD back to Chime temporarily hoping that maybe one day Varo will get it together and I would potentially switch back. I did leave my account opened to deposit and cash checks via mobile deposit. They used to have a great turn around time with that. I have been using this service for over a year or two. Well now they are slacking in that area also. Banks make their money based on how much funds you hold in your account at the end of the day. So you would think they would be doing everything they can to keep their customers happy. Hmph not this bank. It was fine when they were Varo Money. I don’t understand why they chose to switch over. It’s been nothing but chaos ever since. I’m to the point where I am so disappointed with these folks that I am about to close my account completely. I gave them the benefit of the doubt. I gave them many chances and months to redeem themselves. I’m so disappointed especially after speaking so highly of their services. It’s very saddening and very unfortunate.
  • Jun 8, 2021

    By shanelle Robinson
    I've been using this bank for some time now and never had an issue until Sunday. Wouldn't let me transfer money from my savings to my checking, would tell me that it was successful but when I actually clicked on the transfer it would say that it was canceled. Finally was able to transfer today, but wouldn't let me add money to my Cash App account. Now, it's back to not letting me transfer from savings to checking, it won't even let me select it.
  • Horrendous deposit limits that competitors don’t have Dec 1, 2020

    By RandallG123
    Came for the high interest yield savings (like most people) and cancelled my account within a month. Would’ve cancelled sooner but I wanted to give the bank a chance. It’s the 1st of December and I still haven’t received my funds and it’s been over three weeks since I cancelled. Customer service’s feedback was “they’re escalating it and they’re not sure a check was even issued...”.I still don’t have my money which I saved for Christmas shopping and I don’t even know when I’ll get it. To be more specific Varo has ridiculous limits (like tiny limit i.e $50) for the amount you can deposit into your savings from an outside institution. You can avoid the limit if you originate the transfer from the outside institution but many banks charge a fee for doing that. Ally bank, a direct competitor, doesn’t have any limits or restrictions like that. Essentially Varo tries to get you to utilize more of their services like their checking account (obligatory checking account by the way). They want you to get automatic deposits too, for example, and in return they will increase your deposit limits. On top of everything they made the cancellation process a nightmare. There are so many better options out there. Stay away
  • Jun 7, 2021

    By Regina Lineberry
    I have the old and new varo checking. Lately i filed a dispute on both accounts. There were several transactions that totaled nearly $400. I didnt know or have a clue to what was going on. After varos investigation, they told me they didnt find anything wrong so im out of $400. As a customer, they should of helped me recover my 400. I dont feel safe now about having my money in their banks and have peace of mind that its secured
  • Jun 7, 2021

    By Aleisha Caldwell
    I honestly feel as though the old app was better. I've been trying for months to get a statement from the closed account with no help. I've done all the steps to see said statement but the statement it pulls up is for the open account. I've emailed multiple times and called multiple times, and they're only answer is to tell me how to get to my statement. Which I already know. The problem is the wrong statement being there. Smh, do better varo.
  • Do not use this bank! Jun 5, 2021

    By winteroutloud
    I opened an account in March with Varo for their interest rate to help grow my savings. Made a few initial depots and pretty much just left it like that. Then, a few weeks ago I was notified that my account had been closed. No reason, no notification beforehand that anything strange was going on. “We will email you in 2-3 business days,” was their only comment. Attempts to log in on the app and website were met with an alert that my account was locked. A week went by with no contact from them. Couldn’t get through via the automated customer support because my account number couldn’t be found. Finally, after being disconnected several times and spending actual hours on hold, a human told me that she was “elevating my case” and that someone would get back to me via email within 24 hours. Again, nothing. So far, it has been two weeks and I have yet to receive any communication from Varo. My account is closed, I have no access to the funds I had deposited, no way of contacting anyone who can actually help me, and I still don’t even know why any of this happened. Zero stars for communication and customer service. I just want my funds back so I can put this terrible bank behind me.
  • Jun 8, 2021

    By Kiki H
    Before I NEVER had any issues with this bank. For the last week my card has been declined in stores but never online and it's quite irritating!!! I can't get the things I need because of this issue and it's extremely embarrassing for the cashier to tell me "Miss, your card has been declined" when I have plenty of money! Customer service should not take between 30-60 minutes each time you call, do you guys not have separate teams for this?? I will change my rating/review when I get helped.
  • 1 star too many Jun 7, 2021

    By OpieNovak
    I have been using Varo Bank for about a month now. The first two weeks went fine, no real issues. I got all of my funds transferred into their bank, and then they froze my account, stating that there was a problem with their system that should be cleared up by the end of the day. So I waited. 2 days later, I still have no access to my money. I call again, each time with over an hour hold time. I get another rep that tells me the same thing, almost word for word like it’s memorized. You’ll have your funds by the end of today, tomorrow at the latest. I wait a couple more days, spend an hour and a half on hold. Same memorized speech. I’m leaving for a work trip in an hour with a $20 bill and a prayer that they will fix it so I can get home. My mortgage is past due, bills are stacking up, and all my money is controlled by Varo. After explaining this to the rep, he just hung up on me. I’m completely at a loss here with no money, and now am seeking legal action to obtain my funds and close that account. Oh yeah, I can’t even close my account, did I mention that? This company has cleaned out all of my funds overnight, and I’ve had it. Stay away!
  • Jun 5, 2021

    By M. Patchin
    Horrible customer service. For the past three days I have tried to reach ANYONE at their 'customer service' number...waiting 37 minutes, 48 minutes, and today almost an hour and twenty minutes on hold, I order to simply reset my forgotten PIN number. Not once did I ever even get an acknowledgment from an agent. I finally gave up, transferred all my account to a real bank (Wells Fargo) where they seem to actually care about their customers. Will be closing this account first thing Monday.
  • Jun 7, 2021

    By Timothy Price
    This bank is ridiculous. I opened it just to stash money away for home repairs 50.00 a week instead of having a home warranty. Well, outta the blue after receiving my debit card all of sudden I try logging in the mobile app and my account is disabled. They CLOSED my account for no apparent reason. I get an email saying after a review of my account they decided to close it, why you did this ...these online banks are a sham there decision is final. Yeah it is.

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