Varo Believe Review

I've nothing but had a great experience with Varo Bank. Get paid 2 days early and can get a loan with Varo Money and direct deposit. I recommend this bank to everyone.

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Denise Alston

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I am disappointed with Varo Bank. Initially, I was enthused about their scrappy beginnings as an online bank. However, despite my holding a Varo account (without problems) for almost two years, Varo closed my account shortly AFTER I made a fairly sizeable monetary transfer. Fortunately, I was able to get my money back - but I believe that I was lucky. Please let me warn others - Varo is not to be trusted. I recommend other major players - such as American Express and Ally Bank - who are more trustworthy, offer better customer service, and have better policies.

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Within one month of depositing money in my Varo savings account, there was a fraudulent charge that was not authorized. I don't even know how it happened, but Varo deemed that it was not fraud. I am trying to reopen this dispute, but am not getting any help. Stay far away from this bank. They are looking for ways to take your money - read this article "Varo Bank could run out of funds by year-end, filing shows".

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One of the worst online banking experiences I have had. They are continuing to hold funds that a merchant has already released. Even after turning in two receipts with final charges, they still won't take the hold off of my money.

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I had a dispute for a charge made to my account that was unauthorized by me and the customer service was to put it nicely, it was by far the worst I have ever encountered at or through any bank or finance institution. Even worse than PayPal. And weeks later still have no access to my money sitting in my account. To put the icing on the cake I had just days before referred a customer of mine to sign up the my referral link. We were each supposed to receive $50 after she loaded and spent twenty dollars. So it'd be as if the sports cards purchased would be free and she'd actually make money by purchasing cards for her son. Now varo says 5 to 7 days for the $50 to be credited. So two weeks pass and nothing I contact customer service through the varo mobile app and explained that I know without a doubt that the refferal was complete as I was the one whom received the $20 payment made from my customers varo account which was opened using my link. And asked why we hadn't been credited the $50 as advertised. They reply that I'd been credited $20 a week ago but this was the $20 disputed on the unauthorized charge to my account. So I clear that up and ask about the $50 credit for the referral program. Response was "I'm here to help" I said wait a minute are you a robot? Response was. "Is there anything else I can help with" followed by "I would love to show you how to link an external account through the varo app. Flat out the worst customer service I've ever gotten from a place that is supposed to be protecting and assisting with your money not scamming and interfering. Anyway I give the bank a -4 stars yep a minus 4 star and I won't refer anyone again in fact as soon as they hold up their end I'm closing my account and will recommend to all my customers to use any bank but varo. Customer service is key especially when there is money involved. Too many banking options to be inattentive to your customers needs cause there is a hundred other banks waiting to snatch up your client at the touch of a button. The service put this customer in reverse. #BOOVAROBOO

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I thought it was a good card. Left for vacation used my Varo Believe card (credit card) to place holding deposit on May 29th,2022. Checked out of hotel settled account and still waiting for my holding deposit to release. With Chime my holding deposit was released immediately and I'm notified. With Varo I'm now going on 10 days and money still on hold. Nick the floor supervisor lied to me had first customer service rep that my funds would released next day after telling me there's nothing he could do. When I called back next day as he told me too he denied telling me my funds would be released. He became rude and argumentive. Started saying he didn't know when my money would release. What bank rep you in now don't know federal law on holding deposits in a financial institution. all claims are to go to the OCC Website to file claim helpwithmybank .org It is the fastest way to get action. Have screen shot saved and or be able to uploaded your supporting documents.

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It's another Debit Card that reports to the credit bureaus "could take time" -Varo. Varo Representatives can't even explain how the Stupid debit Card works. Waist of time, effort and resources. Get Real Varo.

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Customer service is nonexistent. It’s literally impossible to talk to a live person. Takes 24 hours for an emailed response and their phone automated system is trash

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Wrost bank I ever bank with this the second time they have locked my card or suspended my account for no reason I have hundreds of dollars in my account I will no longer be using them switched some where else

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If I could give 0 stars I would. They locked my account with no notice, no digital card because I sent a email asking about a transaction with thousands of dollars in the account. Never even tried to contact me and locked it at 6pm so I couldn't speak to anyone at Varo about overnight with 3 kids. A baby needing formula, the 8th of the month with rent due and I didn't know it was locked until I got to the register to buy dinner for my family. I'll be closing my account , I'd recommend chime. Worst banking experience I've ever had.

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Absolutely! You can reach Varo Customer Service by sending an email to [email protected] or by calling 1-706-441-2866. Our call center is open Monday to Friday, 8 am to 9 pm Eastern Time and Saturday to Sunday, 11 am to 7 pm Eastern Time 706-441-2866 excluding federal holidays).

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Trash trash trash they are asking FOR something that don’t exist don’t waste your time in opening an account these people don’t even care they have hung up on me they’ve called a lier WORSTE BANK ON THE PLANTE Very unprofessional!!!!!! As soon as I’m able to get my check or find out where it is I’m closing the app hopefully BBB closes them down

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My money was stolen from my account and I filed a dispute with Varo. I thought my money was safe. I told them what happened I filed a dispute and they denied it right away. I filed 2 appeals and the third one they took so long longer than the 10 days they said. After that dispute they closed my account. I seen several reviews and stories of varo not helping people when they file a dispute. These banks will work hard to get their money back (credit cards or such) but if you file a dispute they won’t help. Their dispute department didn’t even have phone support!! Sometimes things are misunderstood with all of these emails communications. I do not recommend this bank at all.

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Awful/nonexistent customer service. I satisfied all the requirements for 5% interest and am not getting it. There is nobody to talk to. It's as if this has been done by design. They advertise with Nerdwallet and others to get great reviews, but have no way of supporting their customers. As I write this I am STILL on hold 30+ minutes. I haven't gotten a response from the chat either. Avoid at all costs. There are much better/safer places to put my money. They are the epitome of what is wrong with banking today: the lack of personal support with lots of pomp and advertising fluff.

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This bank is not a good bank this bank is wrong and they’re not good at all these employees do not care about you Because they’re making me wait for 90 days or longer this bank is crooked this bank is not right and after I get my money back I will be deleting this account I wanna have this bank no more

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The reason I’m giving them a 1 star is because one day I had $546 and the next day I had $54 then 6 days later I had $454 and I was in a different country and I could not leave back home because of this. It pissed me off!

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I am certainly pleased with the Varo app. It is really easy to maintain and efficient.

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I love this bank! I get my check days earlier than everyone else

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great bank with an almost ssemless application. 4 or 5 years i've been with these guys,and never have i had an issue with my money.

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I'm always on the go,so keeping a password handy hasn't always been my thing ,but varos customer service has always been patient and very helpful at keeping me connected.thank you varo

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I absolutely love this bank it's everything you expect from a big bank but with more features and better customer service I also like that I get paid early with there direct deposit I couldn't more happier with varo bank I recommend it to anyone needing banking services 😘

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I don't know where to begin, getting anybody to take care of an issue...good luck. Emails take days, if they respond. Customer service phone number, only good during business hours. Why? Because their customers arn't worth 24hr. Real service. And there apps just send you chasing your tail. I just needed to unlock my card.I end up having to start applying for an account. And they turn down my application. Hey varo already had one!!! I had forgot my password so it was easy to set up. But when I went to log in...it decined my new password. Screw it keep my damn $2.55 senice you need it more than me. I give them my pass or fail response: VARO U GUYS SUCK!!!

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Favorite bank in years.

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Varo app is easy to use, making transfering funds easy and when I've called customer service in the past they were helpful and kind.

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I gave my Varo debit card to the front desk at Marriott residence Inn for incidentals on a room that was already paid for through Hotwire. The front desk accidentally placed a $120 hold on my debit card because they mistakenly thought I was going to pay for the room with the debit card. Marriott fixed the problem immediately and released the $120 hold when I checked out and the room was covered by my Hotwire account. The $120 charge has been pending on my debit card ever since. I have called, emailed, and texted Varo a total of seven or eight different times wasting a total of four or five hours of my time trying to get the pending charge released so I can have access to my money. I usually have to wait around 35 to 40 minutes on hold in order to speak to customer service. Was hung up on once after waiting that long. Spoke to a supervisor and they informed me if I provided documentation showing the room has been paid for they could release my money. Which I did and still my money hasn't been released. So that was a lie. So if being hung up on, lied to, your time wasted by spending hours on hold, and STILL accomplishing absolutely nothing is your idea of customer service, then Varo is definitely for you.

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I am very very happy I signed up with Varo, I have referred 4 people to Varo so far which has earned me $200. I have had no less than a very positive experience with this company and my account with them.

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The best Bank ever

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Worse bank ever! I was in Colombia and I had $600 bucks the next morning I woke up and I had $30 something bucks. I called and ask them what happen with my money they said it’s gone and everything is calculated correctly. I’ve been robbed by Varo bank! Worse bank ever and now I’m stuck in Colombia because they took my airplane ticket money

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Customer service is a joke. And so is the limit to transfer my own money

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I love this bank. I have been with Varo Bank for a few years now and have not had a single issue or fee for that matter! Customer service is amazing for not having physical locations. They also keep adding more and more perks like cash back features and early direct deposit. I have recommended them to several friends and family and some have even dropped their other banking options for Varo Bank. Best online bank ever!

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Best banking app I've ever used going on four years now

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I get my direct deposits early and whenever I have a issue it gets taken care of fast and easy.

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i have used Varo for a while now and i have to say its pretty good overall. the savings account and the ability to earn interest on that savings account really make banking easier. the reason why i didn't put 5 stars is due to the slight difficulties to become a member of Varo believe.

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I love using my Varo card what I like about it is the checking account and savings account is a very good card to have…

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I am and always have been completely satisfied with Varo banking system since day 1. The mobile app is so user friendly you could navigate through it blindfolded. Tech support is Grade A as well. No matter how big the problem they will without a doubt help find a solution. Love you guys and gals at Varo Banking. 😊😊

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They are great. I love my Varo account.

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Customer service is non existent. Chat has been down for days, no one answers the phone, and i haven't gotten a human to respond to any of my emails aside from cut and paste BS. I'm having an issue with a mobile check deposit rejection. They refuse to have a human with basic problem solving skills intercede.ive sent documentation (as they requested). Same robo rejections. Now, I'm sitting on a check that says "mobile deposit Varo Bank only" on the back. I'm out $800, and Varo doesn't have the decency to have a human tell me I'm out of luck. I am working on transferring all of my banking to Chime.

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I loved Varo at first, everything seemed fine. However I travel for work and this is my 2nd bank account. I started using more as my primary bank account but if a hotel or something puts a hold on your account they will not remove it for 10 days. They require proof that the hotel bill has been paid. Most banks it's a three day hold, not 10. They literally keep your money hostage for 10 days and are super rude when you ask them to remove the hold. This has now happened to me twice. I keep sending the receipt and keep getting crap anwsers back asking for documentation that has been sent multiple times at this point. Ready to move on from them.

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This has been my favorite online bank thus far! They’re $50 refer a friend promo they have going is pretty sweet too. Only thing is I wish there were other ways to qualify for the Varo Believe and the Varo Cash Advance programs than direct deposit. It would also help a ton if it weren’t still classified as a prepaid card.

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You can always tell the character of a bank, by the way they treat you when problems arise. My card was siphoned off by a card reader at a store that i shopped in. When I got home my card had been drained of all but .51. Immediately called Varo and reported the theft and requested a new card. I was told that I could get a provisional credit. HOWEVER, Varo has to deem your dispute eligible for the credit. WAIT! WHAT? After the 10 days they initially tell you they will respond, they sent me an email which was essential gibberish. Now they are pushing the response date 6 weeks out. I have already found a new bank and as soon as I get my cash, I am transferring all my funds and my direct deposits!!!!

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Don't listen it any of the negative reviews. They are either doing something wrong themselves or complaining about small irrelevant things. If you are looking for a good, basic bank with good customer service, Varo is it. If you're smart and know not to give your information to imposter social media accounts, you'll be fine.

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I am a new member with this online bank. At first a little skeptical but that was soon put to rest. You get emails updating you of different things going on their transaction listing easy to understand and they even try and help you rebuild your credit. The only drawback is that you're not able to talk to a banker in person. Otherwise I'm very happy. Would highly recommend!!

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This card company is horrible I do not recommend them they do extra stuff they suspend your account without your permission and then they make you wait definitely canceling my card with them

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I love it the best

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Love it 100 percent liget

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Varo is one the best online banks out there. No monthly fees for anything. My money is always there I know where it’s going. Everything I need is in the app. The only complaint I have is the lack of customer service and the lack of help from varo. They disabled my check deposit and never told me why and say they can’t enable it one they disable it. Which makes no sense. How can you disable something but can enable it again. I don’t know. Normally they fix the issues I have with no issue, but this one thing they weren’t right on. Making changes to my account without notifying me of it or even why.

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Awesome bank

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Never an issue with Varo

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I absolutely love Varo! I have not had any issues in the years that I have used them. You earn interest in savings, get direct deposit days earlier, and transfer Varo to Varo for free. Which saves a ton! Easy mobile check cashing as well. The one time I did need to speak to customer service, they were incredibly helpful and super nice.

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Covers everthing you need in as banking institution including savings even Grant's advances with no late fees just all around covers you

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Varo is great

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A very easy app to use and hassle free. I love Varo Bank. It’s great getting paid earlier too.

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I love Varo Bank!!

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Excellent experience

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varo is the bank to go with!

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well they were a good bank i dont know why they cancel me but other than they had great custom service

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Varo Bank seemed to be your run of the mill, "small bank" which usually doesn't offer the advantages of a"Big Bank" , but usually offers more personal service. I have them a chance only to have my account hacked through "Varo's" Twitter handle and empty my account fraudulently, after I immediately reported this activity it seemed like no one from Varo Bank heard me or cared... They proceeded to walk me through a dispute. I wasn't disputing the withdrawal it was blatant fraud. Varo should have reversed the transaction and credited me pending their investigation. When I requested this, again it's like they couldn't hear me and read from spreadsheets. I immediately started writing to Varo's customer service email complaining and demanding action, to this they responded by closing my account. They treated me like I want entitled to anything, giving no status reports or encouragement for a month and finally got some results. It finally took them a month to determine what is said was true and tell me I'd be refunded. They will mail me a check when they get to it, because my account is closed. About 10 days before this determination I had gotten an email stating that my dispute was found in my favor so I emailed back asking how I will be paid. To this they tried to tell me that my dispute was not settled yet. I immediately sent them a copy of their own email to me telling me that it was. To this they responded that they don't intake emails through the address I'd contacted them on. Nothing else. I was confused, not that they cared. Now I'll see how long it takes to get my check with my money. What a cocky carefree bank. I was supposed to be their valued customer. I had even referred 4 others to Varo Bank. Since this we have all closed or accounts. If you can't count on customer service, what good is a company? I learned a lesson not to give place like Varo Bank my business. In this financial climate that we are living in these days, every dollar is important, but Varo doesn't care. I'm sorry I have them a chance. I'd urge everyone to think twice before wasting your time and possibly your money on VaroBank

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Fraud! My cousin had an account before me and she sent me the link to sign up so that we each receive $50. I signed up and we both spent $50, called and was told I did not fill out the link within the time frame. There was NEVER anything stating there was a time frame. FRAUD!! DO NOT bother about the perks. If ppl do not know any btte they make it seem as if the cash rewards go to varo. They are all online for small change. ITS ALL A RIP OFF!!!!

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*UPDATE: EVEN WITH PROOF THAT I DID NOT MAKE THESE CHARGES & SOLD THE PHONE THAT WAS USED BACK TO METROPCS, THEY HAVE STILL DENIED MY CLAIMS. THE THIEVES ARE BEING CHARGED BY THE DA BUT VARO SEEMS TO STILL SAY NO ERROR OCCURRED WHICH IS CRAZY BECAUSE IT IS NOT AN ERROR IT IS FRAUD! If someone steals your money and they are good at it, good luck with getting Varo to give it back. I have CID police, BBB, and a list of other companies working to get my money back and catch the thieves who have a record of larceny. But good ol varo quickly denied my disputes and left me with over $2000 stolen. Also before you choose them make sure to look at all the lawsuits held and won against them. They really have an issue keeping us first during the fraud. Do your research. Easy is not better.

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Absolutely Varo Is the best bank I’ve ever dealt with. I would definitely recommend this bag to my friends and family. All I can say Varo keep up the good work.

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Varo has helped me immensely with getting my SSI and helped me when I needed a few extra bucks for food or gas. I love Varo!

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Thanks you, awesome

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Love varo and I think everyone should try it out and see how much it will be a delight

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Always have money couple days before pay days.

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I have never had any issues whatsoever with Varo

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THE ABSOLUTE WORST CUSTOMER SERVICE EVER. Only been with this scam business for 2 months and what a complete disaster. Tried calling 3 times to wait on hold for 40 minutes or more. Then emails are only a pre written email sent every time I respond. Then they send me a message on messenger AND NEVER RESPOND. This is not even a brick and mortar place..it's a scam in the sky. DO NOT USE THIS SCAM COMPANY.

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Requires selfie using their App which wasn't disclosed before signup. I'm ok with picture of State License but, not to facial recognition.

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This is the worst card company I’ve ever encountered I guess that’s my fault for getting a online account. Please a beg anyone DO NOT OPEN an account with this Obama

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I recently had trouble donating to ukraine's national bank using varo, and they never resolved the issue. I also tried to market their dumb referral program and they let me advertise for them for about 2 weeks before telling me I was violating their referral rules. That's some pretty shady borderline evil behavior if you ask me.

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I just applied after reading numerous wonderful reviews. I had my suspicions about their "target demographic" but I ignored my gut. They ask for your address, SSN, picture ID front and back, a selfie, brain patterns, retina scans...you understand the deal--before telling you whether or not you are approved. I was shocked to get an email about 30 seconds after I applied saying that I was declined. It was a one-sentence email. So now they have my life in their hands and I'm preeeeety sure it's because I'm white LOL. I'm pretty sure, based on their pictures on oh, I don't know, EVERY ADVERTISEMENT FOR THEM, EVER that they only cater to "colored" people. I thought when they said "everyone" they meant "everyone" but nowadays I guess we all know what that means. This is speculation, of course, but, WOW, what a fast decline.

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I love varo I've had an account with them for almost 3 or 4 years now and I've never had an issue with my account and I can use my card anywhere I go :)

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I receive SSI am disabled and count on my money being there. It should have posted yesterday. I got a notification they were having issues with direct deposits and they hope to get it fixed soon. I chatted with " Customer service " and got the run around. Until I asked about the message I got about direct deposits. Today the" Varo Chat " is conveniently down also. Yet they claim online that there is no issues......

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Varo bank is an easy wonderful bank that makes your deposits to you very quickly

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Vero is the fastest loading easiest to use app out there it's my go-to app for managing my money

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I was broke down on the side of the road because I had run out of gas. I was broke and did not have any gas money. Thanks to VARO I was able to get gas with the $50.00 they had loaned me. THANKS VARO!

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I just signed up with them haven't had any transactions yet but we will see how it goes

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I had a dispute and they investigated and got all my money back in a timely fashion

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It's a good card. I never had a problem with it.

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Love varo! They do everything and no fees!

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So, I wanted to rebuild my credit, I end up putting my own money as credit line, use it then pay it back into my account. For example: I deposited $1000, I used the card to purchase $900, the statement received to pay back in full of $900. Once you pay it, your money of $900 will not be put back into your account but instead Varo keeps it. So I just paid Varo to report to transunion bureau that I paid in full and on time the $900. I could understand if Varo takes a portion from $900 as service fee: for example Varo takes $400 from $900 as part of their service. Instead they take the full amount and theoretically I just gave them free money. How is this helping me build my credit? It’s not Varo’s money in the beginning that was deposited, it was mine. I would think it should have been returned a portion of it into my credit card. Remember, Varo did not give me a credit line at all. I don’t recommend this to anyone. The intention to help people to rebuild credit is there but it’s not what it seems. Don’t get me wrong…Varo Believe Credit Card will need to make money too, but keeping the full amount paid towards the account should not be allowed. Learnt my lesson and I will not use the card anytime soon but keep it as my last desperate resort. So if you are going to use Varo Believe Credit Card to rebuild your credit, don’t deposit more than $100 because when it is time for you to pay the amount you used to purchase, you can kiss it goodbye…you just gave free money. You will not see that full or portion of that $100 back into your credit line.

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Yea I should have read the reviews on check deposit 9 days I been waiting they holding 2 of my checks by the time they clear with them I'll have 2 more I know I will never use them again and looking to change that pissed me off

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Terrible experience from start to finish. Ended up being very brief. Do not recommend.

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When ever I would run into an issue with my Varo Bank account, Varo customer service has always been there for me. I've been banking with Varo Bank for 7 years now. And still thier outstanding. They also give you cash advances, they started me out with $20 dollars now I'm up to $100 cash advances. It comes in handy when you really need it.

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I love dealing with Varo because my check always comes early, I’ve never had any problems and I love that they offer advances. I would love to be able to get more than $20 at a time but it’s still worth it

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Varo is the best bank to be with not only do they allow you to rebuild your credit up they also allow you to borrow money when you need it the most and they can be trusted to those who never tried them and I'm glad to be there customer when it comes to my money if you don't have Varo please take this time to sign up for them they are awesome

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Varo is the BEST! It's convenient and easy. You will never have to step foot in a bank again. Thank you Varo, Love you! ❤️

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Varo has it going on! No monthly fees make it easy to apply. Fast online service. Love it

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Love because it was super easy to set up and use and get great bonuses

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I think it is discrimination that you will not give advances to people who receive Security and disability payments once a month saying that is not a reliable source of income. I would say that is discrimination.

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Varo bank is truly the best, number one above the rest. Not even a restaurant's best deserts are more satisfying to all the Varo perks. Customer service always puts the clients first, so you'll never get red in the face so aggravated and ready to burst. If you're looking for that bank that always puts you first go no further varo bank will quench your thirst. So I say to all of you ladies and gentlemen pick up your phone and be treated as you are a king or queen sitting on a throne. Varo banking is truly number one!!!!

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The best app and bank!!!

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Now at the age of sixty-three and being with this bank almost seven months. This is the only bank that I truly trust online or off. Their security is tight and benefits too.

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I have a Varo Account I absolutely love it ❤️ When you get your paycheck direct deposited they never hold your money! It never shows as pending it’s always available right away 🥰

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Every thing was working fine until the update were they sent me a new card. I can’t make Mobile check deposits anymore because I don’t have direct deposit. Their customer service is a joke, no help at all. I advise any one needing a bank account not to use them.

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Waste of time unless you already online bank. If you don't, because you like paper statements you don't have to pay for or don't feel like managing a secure network from home, there is no manual option to link a bank AND you cannot even deposit cash without being charged. (ALLPOINT atms have no deposit option; cash deposits at GreenDot stores charge you $5.) If you do online bank you have to use a third party platform to verify, called PLAID, so that's an extra layer. Finally wait times to contact customer service have consistently been 30-50 minutes. Most recently, I was on hold for 15, got a rep who "transferred" me before I could ask a question; back in the cue with the original wait time. The final issue is reps vary in their knowledge and experience. They're all courteous, however courtesy hardly redeems time spent doing something based on misinfo. Varo has some kinks to work out. If I cannot rely on them to supply support when I have an issue, I can't bank with them. I can't imagine what a hassle it would be if I had to request a chargeback.

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Varo suspended my account for no reason. Was attacked phone talking away. They changed my email reported my varo card stolen changed my email. My direct deposit want in but when my direct deposit want in. My called in they told me what documents to send in. Called the next day they told me to send in a selfie of me holding my id card to prove to them how I am. In surgery and my face is bandaged up have to hdvy physical therapy. Varo doesn't care. Called my wife family lawyer. Finally I want to visit my local Social Security office and told them what happened gave them my old routing number and account number and changed my direct deposit. Received an email from varo. They said that they need the special password for the email in file I told them that I don't have access to that email. Varo again told me to send them a selfie of me holding my id card. So sercurity stopped by on my Social Security benefits. Called had the conversation tapped and also emailed. Varo told me that they will not return the money. Have contacted every system government says Federal government office. Found out that they have he taken to court and lost alot of money. Why is varo is up and running because they are scamming people out of there money

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This service is fine if you use it as a backup bank account. THERE IS NO WIRE OR SWIFT CODES! Don't expect any customer service. In my year with this bank, they don't reply to e-mails, their customer service team has no idea what is going on. Different reasons from different people with no consistency. Pretty average. Good savings account but if you fo over 5k you lose their good interest rate (which is now 5 percent). A savings account is good, checking just forget it.

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referral program is a scam I sent my link to my friend while she was at my house. I watched her click the link and walked her through the sign up. She finally gets her card and meets the terms to qualify the both of us for the bonus. 4-7 business days go by and no bonus. I contact varo and they tell me she did not use the link. I WATCHED HER DO IT! Ive been going back and forth with CS, long story short Im blind and a liar..thanks varo. DO NOT USE THIS BANK.

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The bank that's for me. App is easy to navigate and I have never experienced any issues where I wasn't able to access my funds. VARO is also rewarding in many ways and with every $5 you get in rewards Varo will automatically deposit it into my account. The first and only bank I have ever trusted.

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