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¹ Loans and optional services have fees. Fees apply to out-of-network withdrawals & cash deposits. A full list of Varo fees can be found here.

² No fee at U.S. based Allpoint® ATMs. $3.50 fee for cash withdrawals at all out-of-network and international ATMs. Third-party ATM fees may apply. Fees will be charged to the Varo account used for each transaction.

³ Available at all stand-alone CVS locations with a cashier in the U.S. except those in hospitals, on military bases, or in Target. Barcode cash adds are free at Kroger Family of Stores excluding Harris Teeter. Deposit range is $20–$500 per transaction. A fee may apply at other retail locations. Include Green Dot copyright and NMLS language.

⁴ Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity.  If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us.  Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. 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.

⁵ 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.

⁶ To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur within minutes. To qualify for Zelle®, you must be a Varo customer for 60+ days and have $1,000 in deposits within a rolling 61-day period. Eligibility is at the discretion of Varo and may change at any time. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herin under license.

⁷ 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.

⁸ Annual Percentage Yield (APY) is accurate as of July 1, 2026. Start earning 1.00% APY, then qualify to earn 3.75% APY on your balance up to $5,000.00 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. Rates subject to change at any time.