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Varo Believe Review

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Reviews 2,269

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Michael Graw
Michael Graw
May. 03, 20214 min read

Varo Believe 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 Believeat a glance
4.4

Editorial score

Fees

Low fees

4.0

Eligibility (credit score)

Accepts all credit types

5.0

Security

FDIC/NCUA insured, SSL/AES encryption and supports 2 factor and biometric authentication

5.0

Customer service

Multiple ways of reaching agent, wide range of hours

4.0

Online experience

User friendly site and app with detailed FAQs or help center

4.0

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.‎

Varo Believe
Varo Believe
ExcellentReviews 2,269
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Trustpilot reviews

See what some costumers are saying about Varo Believe
Varo Believe
ExcellentReviews 2,269
on
Excellent
81%
Great
5%
Average
1%
Poor
1%
Bad
12%
  • author
    Renee Reffett
    Jan 06, 2022
    Great service

    Great service

    ...

  • author
    RyeRye Hardy
    2 days ago
    After proof closed account getting payments of over 3/4 of my income found Bank switched secured card with bank card to cont theft

    Long time Varo Bank customer sent email offering the ability to apply for a possible secured credit account with credit line that would raise my credit score and safe pay option you could opt in or out of controling any overdraft fees. Things appeared fishy when I frustratingly called Varo after nearly 2 months since approved no card ever came but received the second notice of what was said to be a $285 monthly upcoming bill. $285 and just monthly fees alone. I called up and complained just to have agents say customers were calling and flooding with complaints but statements were had just been sent out an error was the first of three times I heard that in retrospect but had actually believed that that was a plausible reason and that the large amounts they claim they weren't taking from me were in fact being taken as well as being able to continue after I locked it by just switching my bank card in with the program card after I made it inaccessible for anybody to use. Nearly $7,000 in missing funds over all this time I don't know how I'm supposed to get that back. I had no idea they're even working with lenders because like I said I found it to be a completely ridiculous misrepresentation of what originally sold to me as this great way to raise my credit. My credit score is even gone down 52 points and they keep denying my disputes and demands of return funds saying that they've never taken anything what is a little guy like me with no celebrity power to get some attorney that would actually do something about this or they know how to get it myself is this something I'm just going to have to bury my hands and go well with because if it was legal I'd seriously feel like running running into their homes and ripping the food out of their kids' mouths and clothes off of their bodies then maybe they would know it like what it's like to feel the effects of half of your money being stolen from I just feel angry and push up against the wall

    ...

  • author
    Jessie Igler
    Jan 08, 2022
    I would seriously consider not EVER…

    I would seriously consider not EVER opening an account with these theieves!!! I had VARO credit, transferred 20.00 from checking to have 80.00 then all of sudden the credit I had went to 9.20. Mind you this is a credit card that only works with money I deposited, they said I had made a manual withdrawal for 110.83 from Dec.2021, then $110.83. + the 20.00 so 130.00 total, I said it was a mistake, because I didn't understand the process. I had safe pay on and they would not refund my 130.00, because it is an automatic on the 11th of each month, this bank is full of B.S. if you value your money and don't want to be mislead, then don't do business with these vipers. I feel betrayed and lied to . I have gone to social media and told my friends and family not to do business with these corrupt deceivers, and put me a compromising position. BEWARE and be WARNED, thank you for screwing a combat veteran over, Shame on the employees and GREEDY SHARE HOLDERS, love your freedom, but don't mind benefiting off the backs of disabled Veterans.

    ...

  • author
    Jennifer Deason
    Jan 06, 2022
    Fully Detailed, tranfers in seconds

    I love this app, its fully detailed, very easy to use and also when u transfer money it takes 2 seconds and the money is there!! I've not had one issue so far. I recommend using this app to anyone, you won't be sorry.

    ...

  • author
    Stacy
    Jan 05, 2022
    I love my varo

    I love my varo. Fast service, fee free, use anywhere, costumer service awesome. All around great card and bank

    ...

  • author
    Dustin Kotula
    Jan 05, 2022
    Hands down the best online banking card…

    Hands down the best online banking card easy app friendly use. Have been using now for over a year and have had no complaints. Love you guys, keep it up.

    ...

  • author
    customer
    Jan 04, 2022
    Good bank

    Very good bank and good with people.

    ...

  • author
    NICK
    Jan 03, 2022
    No fees great bank

    No fees great bank

    ...

  • author
    Nahomy Baltodano
    Dec 28, 2021
    Just want to let u guys know I had a…

    Just want to let u guys know I had a lot of unauthorized charges on my account and one of your workers I believe her name was traci was very helpful love her customer service.

    ...

  • author
    Laura Jones
    Dec 28, 2021
    Week before Christmas and can’t mobile deposit my paycheck!

    I’ve used Varo for over a year but now I’m done! Unfortunately my part time job does not offer the option of my paycheck being direct deposited. In Nov their Mobil direct deposit was down so I had to fig out another way to deposit my paycheck. It was fixed and I mobile deposited my Dec paycheck on the 10th but between then and the week before Christmas something updated/changed and it wouldn’t let me deposit a check unless I set up direct deposit first. I had already written for mobile deposit only at Varo on the back as that is what they require so not like could mobile deposit it anywhere else. So I call and they basically told me an update had restricted mobile deposit unless I set up direct deposit I explained I had a check I needed to deposit and had already written at Varo Only on the back. The agent I spoke to didn’t seem to care and said I’d have to take it to a reputable bank so they could research to get it cashed or get the check reissued. So a bank I have a decent amount of money in and have used often, good customer, don’t overdraft etc etc and have been with for over a year IMO basically didn’t care about keeping me as a customer or try to help me at all. I got a sorry for any inconvenience, no reason or notice as to why it was all of a sudden changed right before Christmas. I will not recommend Varo and I hope undecided people read reviews and take them to heart.

    ...

  • author
    Unhappy Varo customer
    Dec 27, 2021
    Do not use this Bank!!

    A Varo user set up a fake account to sell something online. I transferred money using this scam of a bank and never received the item. I notified Varo and all they said was the money was transferred. The merchant claims the money never was transferred. Varo claims they keep information and verify accounts to prevent fraud. When I asked them what background they are running on users they say that’s not their responsibility. Do not use this bank! They don’t care about customers, don’t do what they say online and don’t stand behind their security policies. Worst customer service ever. Would not recommend

    ...

  • author
    Jamie Turner
    Dec 22, 2021
    Varo was an amazing online banking…

    Varo was an amazing online banking company until they got this “believe credit account”. I setup auto pay for my account and every time varo transfer money from my checking to the believe account, the money never reflect on the account. This is frustrating when it’s not your fault. I’ve called them multiple times about my account and all they can say is… I apologize and that your account has been escalated. This is going on the 3rd week of me still not receiving my money.

    ...

  • author
    Ti
    Dec 20, 2021
    TOP NOTCH

    TOP NOTCH! My notifications from Varo is so on point, I have had a few banks whether it be online or not and the notifications is unbelievable, Deposits come on precise timing ! And when Varo became Varo Bank I was not at surprised at the flawless service they made sure I was served with! I will always recommend Varo before any bank! Thank you 😊💯🙌🏽🥰

    ...

  • author
    Brenden Lovell
    Dec 20, 2021
    Absolutely wonderful bank to do…

    Absolutely wonderful bank to do business with

    ...

  • author
    Tim
    Dec 19, 2021
    I recommend this bank

    This is a real bank and accepted everywhere. I love the app and the advance option. I recommend this bank to people who just want online banking with no hassle.

    ...

  • author
    Laquita Robinson
    Dec 18, 2021
    I've been banking with Varo for years…

    I've been banking with Varo for years the bank is good to bank with. I will highly recommend anyone to Varo.

    ...

  • author
    Kimberly Conant
    Dec 18, 2021
    I love this card

    I love this card. They offer so many things. The best part is the advance

    ...

  • author
    Brandon
    Dec 18, 2021
    Thank you Chimebank for the Xmas bonus…

    Thank you Chimebank for the Xmas bonus also thank you agent Mike Jim

    ...

  • author
    Laura Somerville
    Dec 17, 2021
    Awesome mobile banking app!!

    Awesome mobile banking app!!

    ...

  • author
    D. Bostick
    Dec 17, 2021
    Great bank in every aspect

    Great bank in every aspect,just wish they had branches to go into.

    ...

  • author
    Arthur White
    Dec 17, 2021
    Friendly month no minimum easy apply…

    Friendly month no minimum easy apply direct deposit free sign up social security verify.

    ...

  • author
    michele briggs
    Dec 17, 2021
    great bank

    great bank friendly people to talk to. quick to fix any n all problems. no hidden fees.

    ...

  • author
    Tricia Watson
    Dec 17, 2021
    Varo is a bank that is easy to use for…

    Varo is a bank that is easy to use for the most part it's safe I've only had one real issue since I've had this account I've had it for about a few years already. Only downfall is that I didn't receive any help in getting refunded with a $300 transaction that was taken out of my account by Google I've never received my money back for a subscription that I never agreed to.. neither Google or varo could help me receive anything for some reason

    ...

  • author
    Frank Fiorenza
    Dec 15, 2021
    Beware for sudden account closures, inability to access your money, fraudulent transfers and no help from Varo

    I had a checking and savings account for a year with Varo Bank and I experienced a sudden close on my account after an unauthorized Varo to Varo transfer occurred. I received an email on 11/29/21 indicating that I sent a Varo to Varo transfer of $2000 to an unknown person. It occurred while I was at work and was not able to see this until later. Shortly after on 11/30/21, I received an email indicating a temporary suspension of my account and then a closing of my account. I contacted Varo on 12/1/21 and submitted a dispute on the $2000 that was taken from my checking account and they indicated they would conduct an investigation and get back to me on 12/15/21 with the findings. They refused to transfer the $2,695.39 that was still in my savings and the remaining $353.23 that was still in my checking account to my credit union while they conducted the investigation and said they would mail me a check within 14 days of 12/1/21. Varo sent an email on 12/14/21 indicating that they completed the investigation and found no instances of fraud or errors and will not be crediting my account with the stolen $2000. My question is, if there was no fraud present, why did they suspend and close my account abruptly after the transfer was initiated? It is 12/15/21 and there is still no check for the total of $3,048.62 and my $2000 is still missing. This experience has been horrible considering I need my money to pay my bills. Beware for sudden account closures, inability to access your money, fraudulent transfers and no help from Varo.

    ...

  • author
    Donna Ervin
    Dec 14, 2021
    No comment

    No comment. I do not like this bank at all.

    ...

  • author
    LORD CONTUIONIST
    Dec 13, 2021
    It's been so convenient and easy to…

    It's been so convenient and easy to use. I haven't had any issues banking with you guys keep up the great work

    ...

  • author
    Shannon stiles
    Dec 13, 2021
    Beware before using . They don't tell you that they can hold your money up to 30 days

    Becareful when using your card to reserve a room . The hotel we stayed at released our deposit on 12/11/2021. I called into varo customer service and the lady was rude and couldn't answer any of my questions without putting me on hold .Then she informed me that it could take upto 30 days before it would go back on my account.

    ...

  • author
    Delanda Link Bostic
    Dec 13, 2021
    My identity was stolen and after i told…

    My identity was stolen and after i told them my wallet was stolen the people that stole it was able to still transfer my disability check onto a prepay card.would give them zero stars but then i wouldnt be able to give them a review.At 1 time i loved varo but i feel like they dont secure my identity or money.

    ...

  • author
    Ben
    Dec 11, 2021
    Varo is Outstanding!

    Great use of Mobile App and Website GUI. Easy to link External Accounts, so you can track all of your financials from all your other banks (credit cards too!), all within one handy easy-to-read site. I like the "Save Your Change" feature, which allows you to round-up charges to the next dollar and deposit to your Savings Account. You can turn this on or off, any time you like. Varo is now a dedicated Bank, as opposed to a Banking Service, which is how they began (like Chime, Simple, etc.). They've made some nice improvements, though I never had problems before this change. You can deposit cash at CVS pharmacies, Rite Aid, Walgreens, 7-11, Safeway, Dollar Tree and Walmart stores, which pretty much means ANYWHERE. Transfers from External banks are quick and easy, through ACH of course. I've seen some poor ratings, I do not understand them. All I can say, is that those people either don't understand or can't understand the most basic fundamentals. Visit the site and decide for yourself. Long and Short of it: I love these guys!!!

    ...

  • author
    Taz Mc
    Dec 07, 2021
    The worst place to have your money…

    The worst place to have your money customer service is terrible bank is even worse. Please do not bank here.

    ...

  • author
    Aliyah Steele
    Dec 01, 2021
    I hate this bank

    I hate this bank. I've had an account with them for one month & already they have suspended my account, and have had to send 3 debit cards because the ones they are sending are not coming to my home. They're just not showing up. I haven't used this account not ONCE and this has all happened in a span of 4 weeks. Fraud department doesn't have a phone number so they'll email you back when they feel like it. Im starting to believe this bank is a scam to access people's information. It's just weird to me.

    ...

  • author
    JayRozay Evans
    Dec 01, 2021
    Let a online company scam me out of $90…

    Let a online company scam me out of $90 im. Still waiting over 30 days later for the dispute to refund my money worst bank ever.customer service is horrible no help rude most of the time

    ...

  • author
    customer
    Dec 01, 2021
    No Mobile Check Deposit

    They were great for me for a while but my mobile check deposit has not worked for at least a month and they are not fixing it. So if this is something you need in a bank I 100% would not recommend. I need to start another bank account now with a different bank because of this.

    ...

  • author
    Jared Cravens
    Nov 29, 2021
    Mobile check deposit is a disaster

    Their mobile check deposit is a disaster. They have both monthly and single check dollar amount maximums, which are set at different amounts for each user based on an ambiguous system. You may not be able to deposit all your paychecks each month because of this limit.

    ...

  • author
    Tracey
    Nov 29, 2021
    I got a email saying my account was…

    I got a email saying my account was closed and do I called to find out why and they couldn't tell me any think more. Now I'm having to wait for a check to come in the mail and nobody can tell me why they closed my account in the first place this is crazy

    ...

  • author
    Brian
    Nov 29, 2021
    Recent troubles

    Recent troubles aside they have been solid. That being said lately they have been cancelling transactions and stating "overpayment". That is impossible. The balance is subtracted immediately even on pending transactions. Black Friday weekend and they took my last $50. The transaction isn't even listed on the app anymore. However, I do have a receipt from the merchant who already snatched their money back and then some.

    ...

  • author
    LaVar Pate
    Nov 28, 2021
    Had the card for 2 months to utilize…

    Had the card for 2 months to utilize the mobile checking feature, and was unable to use it. The lack luster show of urgency to correct the problem was beyond infuriating. Asked to speak to a supervisor and couldn't get one the line, but they haply and quickly closed my acccount. Don't use varo!!!

    ...

  • author
    Khang Khuc
    Nov 22, 2021
    2+ years customer review

    I’ve been with VARO for 2+ years. When they’re still named VAROmoney. The only thing i like is their security is on point. I never have to call in to dispute anything. Also they dont block or hold my money like other banks would do over fraud protection excuses. Everything is smooth and simple.

    ...

  • author
    Edmond Taylor
    Nov 22, 2021
    Good bank, temporary serious issue with mobile check deposit

    The mobile check deposit has been down for a long time, but i dont ussually use it and Varo is a good bank. The bank has better features than most banks, and I created my account at a time when most banks wouldn't give me a checking account.

    ...

  • author
    Perrell Whaley
    Nov 21, 2021
    Nothing but good results

    Nothing but good results, and experience so far.

    ...

  • author
    Jeremy Brown
    Nov 21, 2021
    I have nothing but outstanding…

    I have nothing but outstanding experiences with my Varo account.

    ...

  • author
    me Nunez
    Nov 19, 2021
    👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍…

    👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍

    ...

  • author
    Dominique Wright Taylor
    Nov 19, 2021
    Scam

    I just opened the account and got my card when my account was closed all less than a month. They send so many ads to get you to sign up for things and I ignored them all. Now I can’t log in they have my money still and they have some form that shows how they can close your account at any given moment. This is a scam

    ...

  • author
    Matt Miller
    Nov 19, 2021
    I had $750 stolen from my account by…

    I had $750 stolen from my account by someone on eBay using my card fraudulently and when I went to dispute the charge Varro said that it was a legitimate usage of the card. I have sent multiple emails asking them to reverse the charge an every single time they have said that it was legitimate even though they never bought the item on eBay and it wasn’t even on my account so I can’t even go to eBay and say hey this isn’t my purchase. And when I ask for their legal department address so that I can send a court summons they go quiet and stop responding. This bank is a major scam.

    ...

  • author
    KAMIESHA “MSCHOCOLATTE” WILKER
    Nov 18, 2021
    Do not bank with varo they locked my…

    Do not bank with varo they locked my account for no reason I have direct deposit from my job set up but yet they locked my account and can’t really explain why this is crazy I will be closing my account

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  • author
    Tiffany Davis
    Nov 18, 2021
    It doesn't get any better! Wait a min....?

    I love varo. Online app is very user friend)y. I love getting paid sooner and the advance payment option is really nice, but wait! Back up. I've been using that option for months. Never missed a single payment or even been late. Always pay it off before the due date even arrives. But as soon as my direct deposit fell below the 1000$ you took it away completely. I don't think that's very fair. I should be able to use that feature no matter how much direct deposits I get as long as the advance always gets paid. But alas my small voice will go unheard

    ...

  • author
    scott wesney
    Nov 18, 2021
    Varo is an awesome bank with great features.

    Varo is an awesome bank with great savings rates, an amazing online app for complete control of your account, and you get your paychecks several days early with direct deposit.

    ...

  • author
    Mamaz Mami
    Nov 17, 2021
    Always having an issue with something…

    Always having an issue with something in they’re System! They’re Mobile check deposit system has been down for lord knows how many days matter of fact WEEKS! Now we aren’t able to use OUR MONEY in OUR ACCOUNT due to the fact that they HAD SOME KIND OF OUTAGE IN WHO KNOWS WHERE! Get it TOGETHER! This is getting so ridiculous to have to go through, Either fix ALL YALL PROBLEMS or I’ll gladly go elsewhere! This BS isn’t acceptable! &The customer service THEY SUCK ASS! They do not know what the problem is, they don’t have the right information on anything! FIX THE PROBLEMS I DONT HAVE TIME FOR THIS BS!!!!!If I could rate with NO STARS I WOULD!

    ...

  • author
    Amanda Espe
    Nov 17, 2021
    Varo is my go to bank❤️

    Although I have a car loan through a local to me bank, Varo is my main bank. In over one year of banking with Varo I have not had one single negative experience. And the app is simple and so easy to use!

    ...

  • author
    Stephen
    Nov 17, 2021
    I love getting my social security check…

    I love getting my social security check early. It helps as i am retired live on that income alone.

    ...

  • author
    Carrie
    Nov 16, 2021
    Everything is easy to use I’ve had no…

    Everything is easy to use I’ve had no issues.

    ...

  • author
    Perez Jesus Jose
    Nov 16, 2021
    Is the most important banking with Varo

    Is the most important app banking with Varo i heve best experience my money 2 day before the bank clears up my paycheck thank you

    ...

  • author
    Zane Peo
    Nov 16, 2021
    It’s pretty straightforward varo is…

    It’s pretty straightforward varo is amazing

    ...

  • author
    Jocelyn Marie
    Nov 15, 2021
    Lovely and responsive customer service…

    Lovely and responsive customer service ☑️ Early Direct Deposit 💸 ☑️ Issue resolution ☑️ Varo Credit Builder Card (comes with your credit score) 💯 I started off with Varo Money and was transferred over to Varo Bank and I can say that the move was problem free…of course we have doubts about the “ WHAT IF’S” but I can tell you all that you’ll have all the support needed when going through the transition….so just sit back and relax!!! They stand on what they say!! I would also advise that everyone keep your app updated so that you receive prompt notifications about any issues that may occur with any of the features offered!!! But Varo keep up the AWESOMENESS!!! ❤️ Jocelyn Marie ❤️

    ...

  • author
    David D
    Nov 15, 2021
    Gteat to have.

    Gteat to have.

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  • author
    Pedro Figueroa
    Nov 15, 2021
    I busy experience

    I busy experience

    ...

  • author
    Jacqueline lyle
    Nov 14, 2021
    Most horrible bank ever they let…

    Most horrible bank ever they let someone take money out of my account and then told me it will be 10 to 14 days for them to do anything . Staff are rude and hateful and don't understand anything about banking .

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  • author
    Brad Hicks
    Nov 13, 2021
    Varo has been the best easiest card I…

    Varo has been the best easiest card I have used..easy to load use and everything else..definitely recommended it.

    ...

  • author
    Jackie Schmitt
    Nov 13, 2021
    I love using the Varo Bank....

    I love using the Varo Bank....

    ...

  • author
    Kristina Dotson
    Nov 13, 2021
    Best!!

    This is the best bank I've ever experienced u guys have got to try it out u will love all the perks too!!!

    ...

  • author
    Chrissy
    Nov 13, 2021
    Good customer service

    Good customer service, easy transfers, instant free transfers varo to varo which is nice with friends and family out of town, especially in the case of emergency.

    ...

  • author
    Alex
    Nov 13, 2021
    WORST BANKING EXPERIENCE OF MY LIFE

    WORST BANKING EXPERIENCE OF MY LIFE. No surprise, as they are associated with Bancorp, who are also apparently the ultimate worst and have 1 star review on Better Business Bureau's website. I have been waiting four months to receive the $10K I had in my bank account that Varo closed abruptly, due to the stated reason that it "hadn't been used in 30 days." I have been chasing them for four months trying to get a check for the amount that was in my account, which again is over $10K (!), and each time they give me the run around, saying that there was a problem, but that I can expect to receive the check in 3-4 weeks. They've been telling me that for four months now. How is this legal?

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  • author
    Kia
    Nov 12, 2021
    Full of Mess

    I get paid cash and I sent it to my Varo account and for no apparent reason they close my account. Customer service sucks and the fraud department has no number. What bank do you know where the fraud team doesn’t have a number. I trying to file a complaint cause this is unacceptable.

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  • author
    Loveth
    Nov 12, 2021
    How is this still running

    How is this still running? They claim to be legit but it's all a big lie, if not for MRS_julía 31 on In stargrahm that stepped in i'd be in so much debt now

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  • author
    Texting Stories
    Nov 11, 2021
    On da money

    Money n my pocket

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  • author
    Miranda Thomsen
    Nov 11, 2021
    Experience

    My experience with varo is good my payments come to my card two days early

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  • author
    Jeannie Parker
    Nov 11, 2021
    DON’T get a Varo bank account

    DON’T get a Varo bank account! They will close your account for no reason and with no warning! Then make you wait 14 days till they mail you your check so a total of 20+ days before you can get your money. Google it! They’ve done it thousands of people! Refuse to help you over the phone and only send generic emails. In their legal agreement with them it also states that you wave the right to participate in a class action suit making you file small claims only. This bank is scam bank! Meaning they decide to take your money when ever they want and hold it to collect the interest all while you are waiting for your check in the mail, if you ever get it. Still waiting to see if I get mine. Seen blogs about people never getting it, some do but only after 20+ days. This bank needs shut down! They’re crooks!

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  • author
    Juston black
    Nov 11, 2021
    Varo is the worst bank I ever encountered

    I rated one star because they are the worst customer service and they take your legitimate money for suspicious activity for no reason at all. I am filing suit against them two weeks now and still have not heard nothing or where my money is. That's theft not suspicious on my end ut was a expense check I deposited that belongs to my my employer so I have money for gas and expenses.

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  • author
    Sean P Welton
    Nov 11, 2021
    I AM A LONG TIME CUSTOMER OF VARO BANK

    I AM A LONG TIME CUSTOMER OF VARO BANK. EARLY ON I HAD AN ISSUE WITH A MOBILE DEPOSIT. WITHOUT GETTING INTO DETAILS. THE REVERSED A MOBILE DEPOSIT THAT WAS NEVER POSTED TO MY ACCOUNT. SO INSTEAD OD DEPOSITING MY CHECK THEY TOOK THE MONEY OUT NOT DEPOSITING. I TRIED FOR WEEKS WITH CUSTOMER SERVICE AND HAD TO CONTACT THE CEO TO GET ANY RESOLUTION. NOW THE MOBILE DEPOSIT IS DOWN FOR OVER A WEEK THE ONLY HELP I GET IS THEM TELLING ME ITS DOWN AND THEY DON'T KNOW HOW LONG IT WILL TAKE. IT SAYS SCHEDULED MAINT. BUT NO EMAIL OR OTHER NOTICE WAS GIVEN. NOW IM STUCK WITH A PAYCHECK THAT HAS BEEN ENDORSED TO VARO BANK WITH NO WAY TO DEPOSIT. SO I WILL BE GOING BACK TO BRICK AND MORTOR BANK. ANYONE THINKING ABOUT VARO AS A BANKING OPTOIN I STRONGLY ADVISE TO LOOK AT CUSTOMER COMMENTS ON FACEBOOK REDDIT AND OTHER SOCIAL MEDIA

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  • author
    Dawn McCutcheon
    Nov 10, 2021
    Wonderful bank

    Wonderful bank, very consumer friendly, and the app is easy to use.

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  • author
    Darin Vaughner
    Nov 09, 2021
    This bank has assisted me when major…

    This bank has assisted me when major corporate banks denied me. Varo is a real bank that works for real people!

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  • author
    Tara Brown
    Nov 09, 2021
    I love Varo bank it’s awesome

    I love Varo bank it’s awesome; but the only thing is that I cannot get the perks to upload why? That’s the only issue I have

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  • author
    Cindy Appleton
    Nov 09, 2021
    I needed a new card because my chip…

    I needed a new card because my chip stopped working and they took care of it and I will only have to wait 6 to 9 days.

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  • author
    Meredith Hensley
    Nov 08, 2021
    User friendly

    User friendly. Online convenience. Transfer funds easily.

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  • author
    Melissa Mensay Helton
    Nov 08, 2021
    Account suspended

    So far my experience has been a nightmare, after direct deposit and it posting. It was suspended due to security reasons ,all my bills have been neglected…my life has been devastated because of it. My hard earned $ is not available after 10 days of them telling me otherwise.

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  • author
    Jacob Padilla
    Nov 08, 2021
    Varo does more than any other mobile…

    Varo does more than any other mobile app out there. I love how fast, easy and friendly varo and there customer service is ran its wonderful.

    ...

  • author
    Tina Shaw
    Nov 07, 2021
    Shady Dealings and Nasty Customer Service

    My husband deposited a check from the Federal Government over 10 days ago and his account is locked and we could not pay for our housing or health insurance. BBB has no inforcement ability. After several calls, Varo's customer service, including, the management just hung-up the telephone as they talked over us and blurted their jargon. Telephone lines have been busy for 2 weeks bc so many bankers are adversely affected. We demand a class action lawsuit and punitive damages ASAP. We Do Not Recommend this bank bc you are tossed aside like dirty laundry if you demand honesty and expediency. All of their responses are computer generated, identical and useless. Giant disappointment all around.

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  • author
    Jeni
    Nov 06, 2021
    Varo Rocks

    I have been with Varo for 4 years and it is the best bank ever. I honestly have never had one issue with them. When they transitioned into the new Varo that was as smooth for me at least as it has always been. I love everything about these guys the Varo advance, the up to two days early paycheck and free ATM use.

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  • author
    Kathy
    Nov 06, 2021
    An Awesome Way to Bank

    I have used Varo Bank for over a year now, and am very happy with their banking and customer services. I recommend using this banking app!

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  • author
    JUSTIN
    Nov 06, 2021
    So got the mail stating suspicious…

    So got the mail stating suspicious activity after trying to get gas and it declined. This was 6 days ago and called every day to find an answer. Was given an explanation of fraudulent activity froze all accounts. I call daily asking for an explanation and just get told we are working on it and I will get an email. So night 6 no email and no explanation. Direct deposit went in and still cant use my account. Have had this account 2 weeks and this happens. So switching if I ever get my money back.

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  • author
    Lilwest
    Nov 05, 2021
    Did my first mobile deposit and they…

    Did my first mobile deposit and they freezes my account a week after reviewing and approving my check, which was a small amount. no one has reached out, customer service says it’s nothing they can do but wait on the security team, we’ll it’s been about a week, and I still haven’t heard from anyone after constantly being told to wait 2 business days. I wouldn’t recommend this bank, they are holding my funds and I have bills to pay and a life to live but apparently they don’t care

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  • author
    Carin Fiddyment
    Nov 05, 2021
    Please DO NOT use this company

    Please DO NOT use this company. They have placed a hold on my daughter's account due to a payroll check they found to be suspicious! Their fraud team has been investigating for 5 days and they cannot give a time frame when this will be completed. This hold on her funds is UNACCEPTABLE when you can not provide an anticipated date of resolution. PLEASE DO NOT USE THIS COMPANY!

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  • author
    Carin Fiddyment
    Nov 05, 2021
    Please DO NOT use this company

    Please DO NOT use this company. My daughter deposited her payroll check a 5 days ago. Upon making this deposit she was told there would need to be a fraud review of her account due to the payroll check deposit. We are now 5 days later and her funds have yet to be released. All their customer service agent can tell me is that their fraud team is behind and working to catch up. In the meantime my daughter, who is a full time college student and full time employee has no access to her funds. They can not give any time frame when this will be resolved, only that the fraud team is behind and as soon as they are caught up her funds will be released. Please DO NOT use this company. I have filed a complaint with the Consumer Financial Protection Agency but please do not become a victim of their horrible business practices.

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  • author
    Daun Thomas
    Nov 04, 2021
    I really love Varo

    I really love Varo, early deposit, free atms and notification when my card is used

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  • author
    Rebony
    Nov 04, 2021
    I have been using varo for years now

    I have been using varo for years now. Love that I get paid 2 days early without any issues. Great banking company

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  • author
    Noble L. Leverett-El
    Nov 04, 2021
    Varo offers great and convenient online…

    Varo offers great and convenient online banking.

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  • author
    Kimberly Miller
    Nov 03, 2021
    This has made my life much easier

    This has made my life much easier

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  • author
    Wayne campbell
    Nov 03, 2021
    I just don't think this Bank believe in…

    I just don't think this Bank believe in equal opportunity for everyone, why did you send me a card, knowing that I was going to be denied an account?.

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  • author
    Jessica Hildebrant
    Nov 03, 2021
    I never had one problem.

    I never had one problem.

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  • author
    Arelyz Oliveras
    Nov 01, 2021
    I like it

    I like it, good service

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  • author
    Ju Capo
    Oct 31, 2021
    My account got closed for nothing

    My account got closed for nothing

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  • author
    Patricia
    Oct 31, 2021
    Shady, I think not!

    Got an email from them early this morning saying they ate suspending my account with no explanation given and they would be in touch in a couple of days. I am 64 years old and collect Social Security Disability. They insinuated that I had done something shady and I can assure you I gave done nothing to deserve this treatment. Are they going to hold my direct deposit hostage when it comes in next week? This is disgraceful behavior.

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  • author
    Regina McNamara
    Oct 30, 2021
    I love my Varo Bank Account because It works for me.

    I love my Varo Bank Account because. I get my check 4 to 5 days early. I am able to check my account anytime. I can get a advance for a extremely long fee, until my next paycheck. I have monthly service fees,, and they don't let me over draft, this resulting in lots of overdraft fees.

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  • author
    Sissy
    Oct 30, 2021
    Varo advance repayment…

    No issues other than not being able to use the varo advance because of one time being extra late paying it back

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  • author
    Scott Ventresca
    Oct 30, 2021
    Loving Varo Banking

    Have had zero issues Varo app is fantastic Advances really help Sweepstakes Seem like they care

    ...

  • author
    Shannon Mulcahy Dabitha Catnap
    Oct 29, 2021
    This has been a great bank

    This has been a great bank. I have been with them since before they broke off and started their own bank.

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  • author
    Jakson Wainwright
    Oct 29, 2021
    Solid

    We've been with varo for years now. Solid banking platform

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  • author
    Casey Thomas
    Oct 29, 2021
    Great card to have

    Great card to have. Hassle free payday early pay

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  • author
    Shywill Plunkett
    Oct 29, 2021
    Varo has help save money and get my…

    Varo has help save money and get my money faster from pay days it’s amazing to have varo they never let you down the best bank I ever had…the customer service representative is awesome

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  • author
    Derrick Richard Bohrer
    Oct 29, 2021
    Perfect

    Perfect App for money

    ...

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