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Varo Believe Review

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Reviews 2,085

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Michael Graw
Michael Graw
May. 03, 20214 min read

Varo summary

Varo is an online bank founded in 2015. The Varo Believe credit card is designed to help you safely build credit with no fees or interest rates. The credit card is linked to your Varo bank account and money is automatically set aside every time you make a purchase. At the end of the month, the saved money is used to pay off your credit card statement. Applying for the card won’t impact your credit score and there’s no security deposit required.

Pros

  • No interest charges
  • Money automatically set aside to pay for purchases
  • No security deposit required

Cons

  • Doesn’t offer a rewards program
  • Credit limit depends on your bank account balance

Varo Believe at a Glance.

FeesNone
RewardsNo
Minimum Credit ScoreNone
APRNone
Welcome BonusNo
Card TypeVisa
Suitable forBuilding credit without fees

Overview

The Varo Believe credit card is a unique card designed to help you safely build credit. The card is linked to your Varo bank account and money is set aside into a Vault account every time you make a purchase. At the end of each month, the money in your Vault is used to pay off your credit card bill.

The Varo credit card has no annual fee and doesn’t charge interest since you always pay your statement in full. It also doesn’t require a security deposit and there’s no impact on your credit score when you apply. Varo reports your payment history to the 3 major credit bureaus to help you build credit.

Suitable for?

The Varo Believe card is suitable for anyone looking for a way to build credit without high fees. Varo automatically sets aside money from your bank account when you make purchases and encourages you to use its Safe Credit Builder feature to enable automatic payments. Your payment history is reported to the 3 major credit bureaus, which can improve your credit score over time.

Interest Rates and Fees

The Varo Believe credit card does not have an annual fee. Since your balance is always paid at the end of the month, there are no interest charges. If you choose to opt out of automatic payments, Varo charges a $15 late fee if you miss your payment due date.

Annual Fee
None
Interest Rate
None
Late Fee
$15

Rewards & Cashback

The Varo credit card does not offer a rewards program or cash back. There is also no sign-up bonus at this time.

The Application Process

In order to qualify for the Varo Believe credit card, you must have a Varo bank account with no negative balances for the past 90 days. You must also have at least 2 direct deposits totaling $1,000 or more in the last 90 days.

Once eligible, you will be invited to apply for Varo Believe through the Varo mobile app. Application decisions are typically made in 2 business days. Once you’re approved, it can take up to 2 weeks for your card to arrive.

Help & Support

Varo offers customer support by phone and email from 8am to 9pm (ET) Monday to Friday and 11amto 7pm Saturday and Sunday. The Varo website also has a detailed FAQs page that explains how to use your bank account and credit card.

Phone call hours: 8am-9pm (ET) Monday-Friday; 11am-7pmSaturday-Sunday

Security

All of your personal and financial information with Varo is protected by 256-bit AES encryption. The Varo Believe credit card comes with an EMV chip and you can receive mobile alerts whenever a transaction is made using your card. You can also lock your card at any time using the Varo mobile app. 

FAQ

Will making late payments hurt my credit score?

Varo reports missed payments as well as on-time payments to the 3 major credit bureaus. You may also be disqualified from the Varo Believe program if you repeatedly miss payments.

What is the credit limit for the Varo Believe credit card?

Your credit limit is equal to the balance in your Varo bank account or $10,000 per billing cycle, whichever is smaller.

Can I withdraw money from the Vault account?

No, funds transferred to your Vault account cannot be withdrawn. If you pay your statement balance using a third-party account, funds in your Vault will be returned to your Varo bank account.

Conclusion

The Varo Believe credit card enables you to build credit without paying an annual fee or interest. To qualify, you must have a Varo bank account with at least $1,000 in direct deposits over the past 90 days. Varo automatically sets aside funds from your bank account to cover your credit card purchases and reports your payment history to the 3 major credit bureaus. 

Methodology

This review was completed using information from the Varo website.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Funs Cortes
    3 days ago
    Best bank

    Best bank of all

    ...

  • author
    Tylitha Worley
    a day ago
    Terrible company

    Terrible company, steal all your money and stop you from withdrawing, thanks to mrs Julià 31 on ìg for the swift and timely intervention, she got back everything for me I was so happy

    ...

  • author
    Thomas Silverstein
    3 days ago
    Beware! Varo Bank is a scam.

    Beware! Varo Bank is a scam. They will shut down your account for absolutely no reason and with no warning whatsoever. They will not tell you why your account had been closed. I have written and called to no avail. They may or may not return your money. I have found dozens of people online that they have done this too, including myself. See for yourself. I have poured over their rules and regulations and I cannot find a single thing I could have done wrong. I am waiting for them to return my money, as they said they will, but I have read about too many people who have not received their refund checks after months of waiting to believe it. Scam. Find another bank!

    ...

  • author
    Heather Jones
    3 days ago
    Every month there is a problem with my…

    Every month there is a problem with my deposit... EVERY MONTH.. and it's always some technical difficulties with deposit transactions.. And I'm supposed to just accept it and move on when my priorities are being neglected.. Due to a continuing system failure.

    ...

  • author
    Stephanie Firm
    3 days ago
    I have used varo for 2 years now or…

    I have used varo for 2 years now or more and I love it when my money is supposed to be there it always has been and if I have had a transaction Dispute they have always handled it the right way

    ...

  • author
    Jadyn adams
    4 days ago
    They are very dependable with my money!

    They are very dependable with my money!

    ...

  • author
    Lynette Williams
    Sep 20, 2021
    I love this Varo Bank

    I love this Varo Bank! I love everything about it and I do, and will continue, to recommend this bank to my friends and family.

    ...

  • author
    Samantha
    Sep 18, 2021
    Varo gets 5 stars because I have had no…

    Varo gets 5 stars because I have had no problems and even if I did the answer to any questions that may arise is right in front of me.

    ...

  • author
    Anthony Ray
    Sep 18, 2021
    These people are very great they are…

    These people are very great they are just thumbs up I can say

    ...

  • author
    Top Notch
    Sep 18, 2021
    Customer service is great they can be…

    Customer service is great they can be reached 24/7 213-318-5212

    ...

  • author
    Mary Moore
    Sep 18, 2021
    Best online banking

    Best online banking. Reliable safe and easy to use Love Varo!!

    ...

  • author
    eris joel
    Sep 17, 2021
    its a great bank

    its a great bank, but needs check cashing thru the app. plus be allowed to place your card on block the card.

    ...

  • author
    Rena Johnston
    Sep 17, 2021
    Love Varo no problems ever

    Love Varo no problems ever

    ...

  • author
    Amanda Graham
    Sep 17, 2021
    Great and easy app to download for all account info, love it

    The app is so easy and very easily accessible! Always get paid early with Varo even on holidays! Option to advance or overdraft and able to have savings account as well

    ...

  • author
    Alex Acevedo
    Sep 17, 2021
    Easy to use reliable secure been with…

    Easy to use reliable secure been with varo over a year my direct deposit comes early and the advances come in handy highly recommended

    ...

  • author
    Samantha Maria Pinto
    Sep 16, 2021
    No fees high overdraft loans

    Varo has no fees no late fees either even with overdraft loan higher amount of loan than others and early paycheck deposit not to mention purple bank cards woohoo lol

    ...

  • author
    Quen Sims
    Sep 14, 2021
    Great things happening

    Great things happening

    ...

  • author
    Ann-Kathryn
    Sep 13, 2021
    Questionable follow-up on promise of high-APY savings account

    For three months now, since July, my account has qualified for the promised 3% APY on a balance $5,000 or below. Still my interest rate is .2%, in spite of several questions to support about this.

    ...

  • author
    Jay and Tee Alvarez
    Sep 13, 2021
    Love Varo 5 stars+++

    Love, love, love Varo! The convenience & ease of it all is so appealing. I already recommend Varo bank to all of my friends and family & continue to do so when I meet a new co-worker. Varo really is a great alternative to traditional banking and I would never go back to a traditional bank at this point. Why would I want to wait in the lines? Wait for a parking spot, then wait for a teller, when you could bank with Varo? Out just makes so much sense. Then all you have to do is log into your app, load money (there's million ways to do so) & then watch your money grow!!!! Thanks Varo!

    ...

  • author
    Wayne Tumlin
    Sep 13, 2021
    Honestly it started off great using…

    Honestly it started off great using this bank and app I mean its easy to use interface was great was easy to transfer money check cashing through app just all around easy to use then all of a sudden said there was suspicious activity on my account and they closed it I'm gonna recommend that if you do use them that you make sure that someone don't use your info and add another person on your account like I'm almost positive someone did mine best bet is to get a bank account with a physical location

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  • author
    Tha Liteweight
    Sep 13, 2021
    GREAT APP....

    GREAT APP..... BETTER THAN BEFORE

    ...

  • author
    Rashaad Germany
    Sep 13, 2021
    Ayyyyyyyyyyyyyyyyyyyyyyy

    Ayyyyyyyyyyyyyyyyyyyyyyy

    ...

  • author
    Charlita w
    Sep 12, 2021
    Y’all be lying ain’t no way u got most…

    Y’all be lying ain’t no way u got most good reviews I have did a police report n reported y’all to the bbb y’all some bs will not ever recommend. U knw it y’all need to shut down stop advertising period I wld not even wrk for ca for this bs ass company Varo yall dnt do it wit this fake ass so called online bank it’s a scam yr a scam n hackers

    ...

  • author
    Brian Bond
    Sep 12, 2021
    Good bank to work with and I definitely…

    Good bank to work with and I definitely would recommend to anyone

    ...

  • author
    Bubba Bee
    Sep 12, 2021
    U would be foolish to use any other…

    U would be foolish to use any other bank. Everything is Free and Varo does everything they can to put and keep more money in ur pocket..

    ...

  • author
    Michael Moren
    Sep 10, 2021
    Varo has consistently been on top of…

    Varo has consistently been on top of their game. Where other banks would throw a list of problems at you, Varo does not. It is a staple in my day to day operations and I literally never have an issue. I am confident in standing by this review of the company as I am 100% honest in this assessment. I wont even use a traditional branch again because of the list of made up problems they create when trying to transfer money, or get my cash.. Cant wait for the day Varo has a branch office near me. Keep it up, I absolutely love this company and have been using it for multiple years. Thank you Varo.

    ...

  • author
    maheni foster
    Sep 10, 2021
    Varo is the best bank I've ever dealt…

    Varo is the best bank I've ever dealt with.

    ...

  • author
    Jeanelle Lazarre
    Sep 10, 2021
    Varo is great I love it

    Varo is great I love it

    ...

  • author
    Keela Hunt
    Sep 09, 2021
    Hey everyone dont get a bank account…

    Hey everyone dont get a bank account with varo they are holding my money hostage I have bern waiting for my check for over a month didnt show up I called they saying it might of got loss so they said they have to cancel it and send another its been al.ost two weeks now since I spoke with them and I called today and she telling my check srill aint been sent out this bank its not trust worthy and garbage please can someone help please I put over $300 in the account I need my funds please

    ...

  • author
    Keith O'Connor
    Sep 08, 2021
    love their services

    love their services, support and custom menus on certain atms

    ...

  • author
    Pa S
    Sep 08, 2021
    Everything takes so long, Customer service is not great

    Setting up my account took a month, because they did not communicate about issues they saw in my proof of address and identity. They only let you submit photos on their app, and there is no way to submit online documents unless you contact support. They take multiple days to process any activity, so I had to contact support each time I resubmitted documents. the second time, they just ignored me completely so I had to reach out again, and then they opened my account, still with no acknowledgement or apology for the week-long wait. I also don't like how they automatically open a checking account for you; I only wanted a savings account. Transfers of money apparently take 4 business days which is way longer than all of the other online banks. I'm nervous they will steal my money, but I will edit this if I finally get it. I only opened this account to get the 3.00% APY, but it seems like it will be months before I can qualify since transfers don't process. I will definitely be leaving Varo if there is funny business.

    ...

  • author
    Randall Irvin
    Sep 08, 2021
    Best bank

    Best bank, best customer service, best everything. Thanks for being the best!

    ...

  • author
    Anthony Bradley
    Sep 07, 2021
    Convenient without all the restrictions…

    Convenient without all the restrictions and freedom of an account

    ...

  • author
    shawn
    Sep 07, 2021
    I have used varo for the past 2 years…

    I have used varo for the past 2 years and I believe they are a upstanding online bank.

    ...

  • author
    Angela Clark
    Sep 05, 2021
    Great Online Bank to do do Business…

    Great Online Bank to do do Business with Terrific Staff!!

    ...

  • author
    Tasha Ee
    Sep 05, 2021
    Customer service can be reached at…

    Customer service can be reached at 802-210-7637

    ...

  • author
    Maurice Calloway
    Sep 04, 2021
    Experience great customer service great…

    Experience great customer service great and honest quick to fix any problems

    ...

  • author
    Jenril Lee
    Sep 04, 2021
    DANGER: VARO BANKING

    One of the worst online banking you can get. DO NOT USE VARO, they will screw you over BIG TIME. They caused me to LOSE A LOT OF MONEY!!!! The asinine behavior of Varo Bank would be too long to write, please just trust me on this USE ANOTHER BANKING INSTITUTION! DO NOT FIND OUT THE HARD WAY, like I did.

    ...

  • author
    Me Mo
    Sep 04, 2021
    Varo bank and mobile app are the go to…

    Varo bank and mobile app are the go to financial institution that I prefer and refer because the team is reliable dependable and extremely professional

    ...

  • author
    Tabatha Douglas
    Sep 03, 2021
    Varo has been the easiest and the best…

    Varo has been the easiest and the best on line banking ive ever used. No crazy fees no issues using at all.

    ...

  • author
    Josh Klaus
    Sep 03, 2021
    I love varo I've never had any problems…

    I love varo I've never had any problems in the 3 years I've been with them

    ...

  • author
    Kimberly Scourten
    Sep 03, 2021
    Very perfectional online and over the…

    Very perfectional online and over the phone staff,as well as poilet and so bound and determined to help out.

    ...

  • author
    Adrienne Villarreal
    Sep 03, 2021
    love varo banking most places accept…

    love varo banking most places accept varo and thats very helpful to me. thank you varo banking!

    ...

  • author
    vanity Koteto
    Sep 03, 2021
    I've been a customer at varo bank for a…

    I've been a customer at varo bank for a long time I was excited about it cuz there was no overdraft fees and I told all my friends and even referred people on social media but then somehow things change I'm going to tell you and I'm going to keep it 100 they're absolutely no overdraft fees so you don't have to worry about your account and overdraft by charges you have the option to turn your debit card on and off great feature now the thing I hate about this bank is for instant like me I've been scammed out of money and trying to get your money back going through them to be exact the dispute process it's going to be a lot of work they do not care and customer service when you asking to speak to a supervisor or anything they do is say that their email the supervisor and it's not a supervisor response good thing for keeping their head out of the dirt right well anyway I have my skin out of money and I'm going to try to get my money back through the dispute process is long and they don't care I will explain to them that my kid was sick do you think they even care for the covid no they did not so customer service simply don't care about customer needs so if you've been scanned out of money and it's around the holidays do not expect them to do anything that's going to take some time to get your money back it's always a long process 7 to 10 days and then you'll get an email saying oh it'll take another 30 days and then you get a third email saying oh it could take 90 days so again this is a process I do not like and for this I'm thinking about taking my banking needs elsewhere I'm just going to put it out there just so I can know yes my kid was sick in the hospital and I have medical bills I mean scan out of money I called viral to dispute this process it's been about this new time and I still have not received my money I don't even explain to them that I needed my money because of my kids medication do you think customer service care the only thing that they do is email the disputes department again another way to keep their head out the dirt very unhelpful so while anybody want to want to back with a bank that said we don't care about customers I really don't care if the head seal read this because this is true so if you thinking about joining this bank I will think twice do not because again like I said if you lose money it's not they don't care if it's holidays if your kid is sick if you're having car trouble you're really not going to get provisional credit because so much water wait they will come with some speed and tell you that oh due to Federal regulations that this is not eligible for business credit it's always one thing after another with them

    ...

  • author
    flex nigga red
    Sep 02, 2021
    Every month there is a problem with my…

    Every month there is a problem with my deposit... EVERY MONTH.. and it's always some technical difficulties with deposit transactions.. And I'm supposed to just accept it and move on when my priorities are being neglected.. Due to a continuing system failure.

    ...

  • author
    Adough
    Sep 02, 2021
    Because it's quick

    Because it's quick, honest, actually listens to it's customers and takes in consideration of opinions and suggestions, constantly improves for the better to make sure the customer is getting the best service without hassle and next to none stress, I feel very confident when I address why problem regardless of the size of the issue they will always make sure that I am taken care of to the fullest, VARO is becoming the Top online bank as it should be

    ...

  • author
    michelle armstrong
    Sep 02, 2021
    Gotta Love the Loan Advance Option

    I appreciate the option to get a larger loan advance once a month if needed. As well as getting my monthly disability check early each month.

    ...

  • author
    Jeff Wallace
    Sep 02, 2021
    Varo treats you like family! And family is first!

    If you want a bank that truly values customer service and ease of use effiency, chose Varo Bank and never have another issue. Varo will even pay interest on savings, and advance you funds, based on good standing and other qualifications.

    ...

  • author
    Benjamin Angel
    Sep 01, 2021
    Varo is AWESOME 😎

    Varo has been an awesome banking experience from the advance feature to the app and the customer service. I love everything about it

    ...

  • author
    James Reeves
    Sep 01, 2021
    Every thing is great but need to work…

    Every thing is great but need to work on customer service department and answer more quickly

    ...

  • author
    David
    Sep 01, 2021
    Varo is a decent card

    Varo is a decent card. I wish I qualified for the advance program, but I don't. It's ok, overall a cool card.

    ...

  • author
    Jason Powell
    Aug 31, 2021
    No monthly fees,free atm…

    No monthly fees,free atm deposits!😎🤟🏼 awesome!😁

    ...

  • author
    Thomas Brady
    Aug 31, 2021
    VARO BANK - USELESS AND UNETHICAL BANK

    This new Bank (subsidiary of Visa) is a total waste of time, in order to deposit money, they use a 3rd Party "PLAID" to supposedly instantly connect your banks to transfer funds. After 4 attempts to "link" my local PNC Bank account - PLAID came back and messaged they could not link accounts (all this after me getting an automated call from PNC with an Authorization Code, inputting it in PLAID then the message - sounds very fishy. This Bank should be shut down TODAY for unethical banking practices. I even contacted Customer Support, ask several questions which they never answered and they were worse than PLAID, useless, incompetent know-nothings. I have placed PNC Bank om notice to flag any fraudulent shenanigans which I would then think VARO is behind it. STEER CLEAR OF THIS CRAZY START-UP BANK - BUYER BEWARE. a wolf in sheep's clothing.

    ...

  • author
    Everett Bellfield
    Aug 31, 2021
    Varo Is The Worst

    Varo has been holding my money since Thursday knowing the transaction wasn't valid. Every day they've changed the story about my funds getting released. Once my funds are released I'm. I've never had issues with chime. Decided to try them out and this happens SMH

    ...

  • author
    Carey Land
    Aug 31, 2021
    I don't have anything negative to say…

    I don't have anything negative to say about Varo. Their customer service is efficient & knowledgeable, the app is great, it really is free & they give me a $50 advance weekly which can be borrowed again as soon as its paid back. I love Varobank!

    ...

  • author
    Isaac Adams
    Aug 31, 2021
    With Varo for over 5 years…

    Well I was with Varo for over 5 years with no complaints. Then suddenly, and for no apparent reason last month they close my account they send me an email saying that I couldn't review it I couldn't contest it there's nothing I could do about it and that if I called into customer service they wouldn't have any answers for me. Well I had a IRS check my tax refund coming into the account on Direct deposit. I asked him what would happen with that and they said that Varo would mail me a check for the amount of my refund. I finally did get a check however it wasn't for the amount of my refund which was $6,333 instead they sent me a check for $3167. Exactly half of my refund since then they have been very friendly on the phone always compliant always nice I said always that they're getting something done but still no check still not getting my money and when I try to cash the first check no bank will touch it so I'm in a great predicament and I don't know what to do. Varo has completely screwed me over. Which is really a shame because I was very satisfied with them for over 5 years I even recommended them to many of my friends. Don't have anything to do with them sooner or later they will f****** your world.

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  • author
    Sharita Cage
    Aug 30, 2021
    They been good to me

    Love it and it's been good for me

    ...

  • author
    Sam Schillage
    Aug 30, 2021
    Easy w Convenient Support

    Easy to navigate. 800 number for Help & Support. Quick to resolve the only issue Ive experienced w my account and that was a log in issue which Varo Suppprt was quick w a solution. Definitely Recommend.

    ...

  • author
    Zach Wilson
    Aug 30, 2021
    Because I like all the benefits they…

    Because I like all the benefits they provide

    ...

  • author
    Charlita w
    Aug 29, 2021
    I did a mobile check deposit recently…

    I did a mobile check deposit recently in the 16th this month I never saw my amount n they approved the increase but cld not explain why my money was not show in my balance thy claim it was an glitch n the engineer had to fix which was bs n this was a supervisor named candis who told me n she call the other person listed on the check bcs it’s been deposited alrdy y’all bunch of bs ass scamming bank I will report this n make sure no one else is scammed by u all 5 days dnt mean 10! N then lie.

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  • author
    Wanda Stancil
    Aug 29, 2021
    Great bank

    Great bank, and convenient.

    ...

  • author
    Wendy
    Aug 28, 2021
    Love Varo

    Love Varo. Always there, no fees and can borrow money as long as you pay it back. I never purchased anything from them, didn’t even think they sold things. And I’m not an employee.

    ...

  • author
    Matt Mangin
    Aug 28, 2021
    Very positive experience.

    Varo has been good to me since the day i opened my account. I was a bit worried that something would go wrong during the transition to Varo bank, and it was unwarranted. When i had to dispute a charge on my account, they were quick to reply and I even got the money back in my account the next day. They followed through with the dispute, and kept me informed along the way. I have nothing but good things to say.

    ...

  • author
    Ronald Lynn
    Aug 28, 2021
    Excellent customer service and very…

    Excellent customer service and very professional!!

    ...

  • author
    Lisa Orellana
    Aug 28, 2021
    My account was suspended yesterday…

    My account was suspended yesterday morning. I've called several times to find out why and what i can do to resolve it. Customer service can't give me any information. They cant forward me to the Fraud Dept because they're "inundated." I've emailed the support email and ... nothing. I did a little research and saw a plethora of complaints on the BBB with the same or similar complaints. Closing accounts, no explanation, consumers having difficulty getting their funds if at all ... for months. If this is happening to you, don't give up. I'm not gonna. File a complaint with the BBB, CFPB and go to helpwithmybank dot gov where you can file a complaint with the Office of the Comptroller which oversees banks. Good luck!

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  • author
    Kyle Yfm Hopson
    Aug 27, 2021
    Well the j do do to to to do

    Well the j do do to to to do

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  • author
    Brandon Walton
    Aug 26, 2021
    I love Varo's seamless up to date…

    I love Varo's seamless up to date services!

    ...

  • author
    Kaley Mcswain
    Aug 26, 2021
    Great..

    They been good to me.

    ...

  • author
    Henadz
    Aug 24, 2021
    SCUM. Don't trust your money to varo

    They're suspended my account. I had at that moment more than 5000$ balance. I even don't know the reasons why do they do it. Support by mail said that I'll get a check by my mailing address. I got a check... on 804.77$. That's it. I even can't call support cause you need to have an active debit card to speak with a representative. My card is deactivated and I can't discuss it. My account was deactivated and I can't even check my actual balance now. NEVER USED THIS SERVICE. PS: my previous one-star review here was deleted. I don't believe that without any customer support and account deactivations they can get 4 stars. They do not work with any finance monitoring systems so it looks like it's total scum. I have all proofs about it (that I have a balance and didn't get my money since Varo deactivated my account).

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  • author
    Lei Wright
    Aug 23, 2021
    Get paid 2 days earlier

    Get paid 2 days earlier, helps build my credit & gives advance’s, don’t think mobile banking could get any better than THAT! 3 years of having Varo & I love the versatility of it.

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  • author
    Charles Sasse
    Aug 22, 2021
    very easy banking quick and fast…

    very easy banking quick and fast processing

    ...

  • author
    Widgo
    Aug 21, 2021
    Varo has been wonderful I actually…

    Varo has been wonderful I actually haven’t used since the switch

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  • author
    Kenneth Bea Jr.
    Aug 20, 2021
    Hey great service

    Awesome bank

    ...

  • author
    Leonard Harrisonjr
    Aug 20, 2021
    Thanks you for having me be a part of…

    Thanks you for having me be a part of the family I'm very happy god bless you

    ...

  • author
    Susan Cox
    Aug 20, 2021
    I WISH THAT I WOULDNT HAVE CREATED AN…

    I WISH THAT I WOULDNT HAVE CREATED AN ACCOUNT WITH THIS COMPANY.VARO CLAIMS TO BE A BANK BUT, IT IS NOT A BANK AT ALL. THERE WERE TWO FRAUDULENT CHARGES ON CARD AND I REPORTED AS WELL AS DISPUTED THESE CHARGES ALMOST THREE MONTHS AGO AND STILL HAVE NOT HEARD ANYTHING BACK. I KEEP CALLING AND VARO CANNOT PROVIDE ME WITH ANY INFORMATION OTHER THAN THAT THE INVESTIGATION HAS NOT BEEN COMPLETED AND THE FRAUDULENT COMPANY THAT STOLE MY MONEY HASNT RESPONDED BACK TO VARO YET!! WELL THEY STOLE MY MONEY SO NO I DONT SEE THAT COMPANY CONTACTING VARO OR HAVING AN CONTACT WITH THEM AT ALL. PERIOD.. THE ONLY THING THAT VARO HAS PROVIDED ME WITH IS TO TAKE THE CONPANY TO COURT,. VARO IS ALSO RUINING MY CREDIT DUE TO AN ADVANCED LOAN THAT I CANT PAY BECAUSE EVEN THOUGH IVE ORDERED A NEW CARD. THE NEW CARD HAS BEEN CHARGED ALSO AND HOW THAT IS EVEN POSSIBLE IS BEYOND ME SO, VARO IS REPORTING THAT THE ADVANCE PAYMENT OF 19.50 IS NOT BEING PAID AND IS LATE!! VARO DOES NOT HAVE A CORPORATE NUMBER NOR CAN THEY DO ANYTHING.. THIS IS COMPLETELY ILLEGAL AND I DONT EVEN UNDERSTAND HOW THE HELL THIS COMPANY IS EVEN ALLOWED BY LAW TO LEGALLY OPERATE THIS WAY.

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  • author
    Daniel Johnson
    Aug 20, 2021
    varo rocks.

    I have been with borrow for a few years and there has never been an issue. There is almost no fees unless you go to an ATM that they are not associated with or a small fee for transferring money or something. Customer service is quick to help with any questions you might have and yeah. Just a great company

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  • author
    Ireaka Genia
    Aug 20, 2021
    Missing money Since July 24, 2020

    Hello I have been with varo for over three years now And just this last stimulus payments that came from the IRS they let someone take off of my card $1400 and some change I did a dispute I did it appeal and they’re telling me I cannot get my money back and I’ve been going through this every since July 24 of 2020 this does not make any sense to me at all they do not treat their customers the way that they want to be treated their customer service is terrible I just wish that things were better with them I’m changing my account and closing this one I do not suggest this banking for anyone at all they’re bad business

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  • author
    Robin Rutledge
    Aug 20, 2021
    Easy to use

    Easy to use, transfer money, unlock and lock card instantly

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  • author
    Merlin Ham
    Aug 19, 2021
    Quick deposit

    It’s a good bank I get my deposit 2 to 3 days early just love the bank

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  • author
    John
    Aug 19, 2021
    I never have a problem with my money

    I never have a problem with my money. Knock on wood...

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  • author
    Donie Magee
    Aug 19, 2021
    DO NOT USE VARO

    DO NOT USE VARO. They closed my accounts on July 27th and sent the entirety of my savings to an old address via hard check with no explanation or validation. It’s been over three weeks and I have yet to receive the contents of my savings account. They’ve been unresponsive to emails, and are nearly impossible to reach over the phone. Over three weeks ago, on July 27th I received an unsolicited email from Varo saying that my accounts had been closed. Accounts that had my entire savings that I used on a weekly basis. I was no longer able to log into the app, view my funds, and wasn’t able to get ahold of anyone over the phone. I emailed first thing on July 28th asking why my accounts had been closed and was given no answer. I called over and over again, but unfortunately to be transferred to a service representative you need to have a debit card number – mine of which had been shut off since they closed my accounts with no explanation. Finally, on August 2nd, I was sent an email with instructions on how to bypass the authentication and reach a sales representative. Although nice, they were unable to explain why my accounts had been closed, and also had no idea where my funds were. I had them update my address by sending a utility bill and they said they would have a check to me in two weeks, which would be August 16th, two days ago. I have received no follow up emails, no check, no explanation. If you have any issues with them, as of now, it looks like you’ll be unable to recover your own money. Thousands of dollars I had earned, are now gone and no one is being held accountable. Absolutely devastating.

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  • author
    brent trahan
    Aug 18, 2021
    This place needs to go bankrupt

    This place needs to go bankrupt. Ok have over 4000.00 in an account that they froze with no warning where some of my patches goes. Customer service is USELESS. I was told that was because of fraud, that’s ridiculous my company name is on every deposit it’s been over 2 weeks they won’t release my money. Now I’m talking to BBb and have a contact with FDIC. What they are doing is illegal. People read the reviews look at BBB these people are crooks same story over and over most people get thousands in there then bam they get locked out and no one tells them anything yet they are drawing interest on your money, This is ILLEGAL AND UNETHICAL. I’ve heard many people horror stories and that’s why I was going to close mine then all the sudden It’s locked for fraud, try again. This place should be fined and put out to pasture, hundreds of people with the same story can’t be lies it’s like the exact same story but different names. How pathetic to do this to people!!!

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  • author
    Thats Wild
    Aug 18, 2021
    I’ve had varo for a while now

    I’ve had varo for a while now, I was 2 weeks late on an advance due too covid unemployment ending, they will never let me take an advance again because of this. I’ll be switching to another mobile bank. They clearly don’t care about their customers. Even though I’ve paid them they are discriminating against me for being late on payment.

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  • author
    Nikki
    Aug 18, 2021
    I’ve had a great experience with Varo…

    I’ve had a great experience with Varo since I joined I recommend them to everyone

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  • author
    Tracy
    Aug 18, 2021
    Love it good bank/debit card

    Love it good bank/debit card

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  • author
    Mike Rash
    Aug 17, 2021
    I wrote a very short feedback comment…

    I wrote a very short feedback comment and it sent me here.

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  • author
    Smooth Wait
    Aug 16, 2021
    Worse online bank ever

    If I could give them no stars I would how do u say u over pay someone and wait 2 weeks and a day to take payment sending someone account in to overdraw when their account is never negative! Then to find out it never was a overpayment I recommend getting a real bank cuz this online one is a big joke!!!

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  • author
    Michael Ottoshavett
    Aug 16, 2021
    3 percent interest

    3 percent interest, early pay, and varo advance. All good reasons to join

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  • author
    Hans Frederik Brobjerg
    Aug 16, 2021
    VB Discriminates against people with no SSN/ITIN

    The bank discriminates against people with no SSN/ITIN. It's a nasty kind of discrimination. I think that should be prohibited by law. But even when it is not, companies should have the decency not to discriminate against such minority groups.

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  • author
    Shirley Hamby
    Aug 16, 2021
    No fees for any transactions online…

    No fees for any transactions online from Varo. Easy to reload if not using check deposits. No monthly fees ! Great banking card :)

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  • author
    PATRICIA POLK
    Aug 15, 2021
    THE VARO TEAM IS GREAT!!!

    THE VARO TEAM IS GREAT!!!! THEY REALLY CARE ABOUT ME AND MY NEEDS!!!! THANK YOU VARO!!!! I WOULD DIFFINATELY RECOMMEND TO FAMILY, AND FRIENDS!!!!

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  • author
    Kev Ove
    Aug 15, 2021
    Make it more easier to be able to get…

    Make it more easier to be able to get ahold of a human person.. any time of day any day of the week.. including weekends

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  • author
    Alejandro
    Aug 15, 2021
    Varo banking is recommended

    I recommend varo banking because it is reliable no hidden fees no late fees it has advanced cash is eligible with a direct deposit and the minimum of 30 days of banking and $1,000 deposited to your account great customer service

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  • author
    Mark Tsosie
    Aug 15, 2021
    I love varo so much that im happy or no…

    I love varo so much that im happy or no im grateful i switch to varo from other banks and i would absolutely be batter off with varo because been with varo for a year or two it helps me gain credit a lil plus no fees on here what so ever but i love it and thanks varo for being here and hope you make someone happy as i am now or everyday.

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  • author
    Haley
    Aug 14, 2021
    They are helpful with answering any…

    They are helpful with answering any questions. Always get paid early and there are no holds. I have had so much trouble with other banks in the past and I don’t see myself ever leaving Varo!

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  • author
    Phillip Senter
    Aug 14, 2021
    Minimal fees, great features

    Varo has minimal fees and their savings account pays a competitive rate. I also like the cash advance feature.

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  • author
    Frankie Bruner
    Aug 14, 2021
    This is by far the BEST Bank Card I…Best ever!!

    This is by far the BEST Bank Card I have had YET!!!!

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  • author
    samantha jenkins
    Aug 14, 2021
    I love varo bank

    I love varo bank! But it's one thing I don't understand! I woke up one morning and my account was locked and under review so I call customer service they told me that it was a security reasons and they couldn't tell me why and what security reason it was they just told me that they're looking over my account and whenever they send me an email stating how to unlock it that's when I'll be able to be able to pay my bills and use the money they cannot give you any information on why your bank account was locked and you can't even talk to anybody and the security department about it you all you doing is playing a waiting game and it depends on when they want to move

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  • author
    Shawna Buxman
    Aug 14, 2021
    Love it

    Love it. It's so easy to get my money

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  • author
    Sephora Comer
    Aug 12, 2021
    Varo is the best bank ever

    Varo is the best bank ever

    ...

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