Trustpilot reviews

See what some costumers are saying about Varo Believe

Great

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Reviews 2,523

Excellent

76%

Great

Average

Poor

Bad

15%

kurtis

2 days ago

Solid Digital Bank

I have had my account for about a week now and so far the experience has been really good. Varo now has a virtual card for you to use while waiting on the physical card in the mail. I have used the chat support in the app and had a great experience.

4 days ago

I received a bank card from varo this…

I received a bank card from varo this morning and wondered, how could that be? Then i remembered i wrote about this varo bank before and the kids that ran this trashy bank. All they like to do is open accounts for people and turn around and say they close them a couple hours later. It seems they have nothing else to do. I see that varo is possibly going under the past few years. Probably not because of childish customer service who get excited about denying people bank service. I HIGHLY recommended to stay away from this so called 'bank'. Worse bank i ever seen in my life. This place is full of people high on themselves. The website is outdated customer service is spam. Stay away.

austin paul

6 days ago

Het bedrijf FO RT EH U BS

Het bedrijf FO RT EH U BS . LI VE heeft niet alleen een oplossing geboden voor mijn probleem, maar ook waardevolle begeleiding en advies gegeven om mij te beschermen tegen het vallen in de valkuil van vergelijkbare frauduleuze activiteiten in de toekomst. Hun toewijding aan klanteneducatie is echt prijzenswaardig. En vandaag heb ik mijn geld teruggekregen, allemaal dankzij F OR TEH UB S . LI VE.

bridget collins

7 days ago

Varo Bank - avoid for large savings purposes

If you're looking for savings less than 10K, Varo is an acceptable bank. However, if you're looking for savings more than 10K, DO NOT USE VARO. I had a Varo account for several years saving for a wedding and house down payment. Here are just a few of my issues: - You cannot have a joint account holder. - You cannot write cashier's checks or regular checks. - Your own monthly Varo-to-outside bank transfer limits are incredibly difficult to find - they are not disclosed on the app or website, and Varo is allowed to change your monthly transfer limits whenever they want. After hours of chatting in the app, I finally found that my limits were 10K a month, 7.5K a week, and 5K a day. Varo's customer service answer was to initiate an ACH transfer from the outside bank, however most large national banks (Chase, BOA) have stopped this practice due to security concerns. Therefore, there is realistically no way to transfer more than your Varo limits, which Varo can change at will. - Typical monthly transfer limits are 10K a month, which is absurdly low compared to all national banks and insufficient for things like a down payment. - Customer service is nearly non-existent. They offer phone services for extremely limited purposes and their chat is only available during Mountain Time. Overall, customer service is incredibly poor. - I personally routinely had issues connecting an external account to transfer money and never had these issues resolved. The accounts I could link would randomly unlink and some accounts would never link. - I also routinely had issues with their website not sending a text to verify my account, preventing me from accessing the website at all. The bottom line: it is nearly impossible to access your own money in Varo for large purchases like a down payment. I spent weeks on the Varo chat app and speaking with other large national banks to figure out how we could access the money we spent many years saving. It took me 20 consecutive days of withdrawing maximum amounts from an ATM and many many weeks of stress. I highly recommend avoiding Varo bank for large savings purposes.

ad r

8 days ago

I have had Varo for about 4 years

I have had Varo for about 4 years. I have always used their advance since it started. I worked my way up to $200 I paid on time. This month for no reason they jerked me all the way down to $100. They can’t give a reason other than it fluctuates sometimes. I’ve go all my friends and family to join but I’m going somewhere else unless they do me right. No way should your top customers be done like this!

toxicbeauty by sunshine

9 days ago

Can't reach support that is helpful

Can't reach support that is helpful. Thus person kept me on hold for 12 minutes not communicating I had to type hello every two minutes no response for 6 minutes. The said wait while I fix the problem. I feel asleep. They came back 6 minutes later saying issue was fixed. Nope. A few times I did an instant transfer and had to leave the store because the transfer did not go through for hours I once even a day. I feel like I can do better. The 2 stars are because they helped me with my credit bc of varo believe buy I still think I can do better when it comes to customer care and services.

jane

9 days ago

Me hubiera gustado !

Nunca me había encontrado con esta empresa, no perdí el tiempo y tuve que intervenir de quic kassetre covery o rG para obtener un reembolso.

maxine aland

10 days ago

VARO SUCKS

THEY CANT IMPROVE IT SEEMS LIKE EVERY MONTH I GET LOCKED OUT OF MY ACCOUNT AS THEY PUT IT TEMPORARY SUSPENDED, THIS IS BEGINNING TO BE A HABIT. IM FED UP WITH VARO, NOW I CANT PAY MY RENT AND WILL PROABLY GET EVECTED COS VARO IS HOLDING MY MONEY AND I CANT PAY MY RENT, SO I'M SWITCHING BANKS VARO SUCKS !!!!

sam alemu

11 days ago

I've really enjoyed using Varo

I've really enjoyed using Varo! Not only do they offer free checking and savings accounts, but they also have just about the highest APY you can get right now. Varo also has great incentives such as mobile check cashing, Varo Advance and they have the highest paying referral program I've seen. I have not yet signed up for Varo Believe Credit Card, but it sounds like an amazing and easy way to build credit! I highly recommend Varo to anyone seeking online banking. It's easy to apply and there's no credit check.AAA+++. LOVE 💖 THIS BANK.!!!!

nina nwaobilo

4 days ago

Money taken out of my Varo Bank from Albert Bank

The amount of $268 was taken from my Checking Account by Albert bank that was suppose to be refunding back my money for closing my Bank account with them. Varo Bank lied and said that the Bank took $201.00, which was not true. They did that because they were covering up for Albert Bank because they both have membership with a Non-Profit Organization called Steady. I filed complaints to three different agencies about them. Varo Bank went and temporarily closed for three weekends during the investigation to discourage customers from using the Varo Bank app from logging to make deposits, checking account balances, withdrawing money, and paying bills. They did this to use the opportunity to reconstruct Checking Accounts to remove evidences of four payments that was taken by Albert bank and made it look like nothing really happen. They are picky on customers signing their checks for Mobile Check deposits. They want customers to write on their checks "For Mobile deposit at Varo Bank". I used my Varo Bank Debit card to tried to pay an Annual bill, Varo Bank blocked my card from processing the payment. I called the company and I was told that they couldn't get the money because my Bank block it. I had to call and was put on hold for over an hour in order for them to remove the block in order for company to receive the payment for my Annual bill. I receive a check from my Insurance company to replace my Laptop charger and Varo Bank held the check from 3 to 7 days. I just click one Star so that I can be able to type up my experience. As far as rating is concern, Varo Bank doesn't deserve any star at all.

jason wiler

a month ago

Varo bank are criminals they suspended…

Varo bank are criminals they suspended my account with no warning and for no good reason told me they think someone else was using my account I told the customer service lady my wife uses my account to. My wife had sent money from her accounts to mine to have money in one account forba down payment on a house in which I rolled it over to my savings and Varo temporarily suspended my account for up to 4 days awaiting email it’s been 6 days. I’ve never dealt with this from any bank I’ve read reviews of them taking peoples money. All they had to say was there were no notes had to wait on their fraud department such a load of crap. Give me back my access to my money when I told you I was aware of my wife using it they should have immediately unsuspended it. I warn you not to use them I also was getting my checks direct deposited into that account and they said it won’t affect money coming into account how convenient you can take more of my money. Reporting them for sure and will hire a lawyer if necessary

helen jacobbauski

a month ago

Absolutely unethical and fraudulent

Been with them years . Had a recent hotel reservation cancelled by hotel because Expedia hadnt updated their new pet policyholders. Ok no problem hotel presented me a copy of their cancelation and having never even received Expedia payment as it was just matter of hours , they had 0 $ to return. Expedia say they returned the funds to Varo 10 days later and provided a transaction code to show they did. Varo says they are "liars that's a fake code they screwed up and dont want to admit it" i file dispute. Told 10 days ., then 20 days then 30 days , then 60 days , then told they have up to 90 days then today looked at status and now it says i may or may not hear from them by July9 2023 ! And they may or may not have a resolution! Thats 120 days from dispute date!! Well over their 90 days which they state they hàve to resolve it. AND I HAVE GIVEN THEM EVERYTHING TO WALK THEM BLIND THROUGH THEIR SCREW UP..AND THEY STILL BLAMING EXPEDIA. I DONT CARE BUT TO PUNISH THEIR CUSTOMER AND WITHHOLD SUCH A SMALL AMOUNT AS 53$ SEEMS VERY PETTY AND DEFINITELY SHADY . AND GOOD LUCK TRYING TO GET ANYONE WHO YOU CAN UNDERSTAND AND CAN COMMUNICATE WITHOUT A SCRIPT BECAUSE YOU WONT. ABSOLUTELY HORRIBLE CUSTOMER SERVICE HORRIBLE. THEY SHOULD BE ASHAMED OF THEM SELVES AND THEIR UNETHICAL AND ILLEGAL ACTIONS

jasmin west

a month ago

I'm a single mother of two kids and we…

I'm a single mother of two kids and we are HOMELESS now cause Someone wanted to steal my money from me. Someone needs to credited me my money that was stolen from me. You do have information about my dispute, y'all just don't want to give me back my money that was stolen from me. Someone STOLE MY INFORMATION from me and y'all just don't want to see it. I want my money back and I want it now. Someone stole 5445.80 from me and I want it. We are HOMELESS now but y'all don't care cause no one stole from y'all. Varo bank suppose to protect their customers but varo bank don't get a damn about what happens to me and my kids of being HOMELESS. VARO BANK won't credited me for their wrong doing. Varo bank have hackers and scammers working for them, and now varo bank don't want to credited me money back. I really want my money back 5445.80 single mother of two kids are HOMELESS now cause of people that so call work for varo. I don't know how varo bank works that not my fault it's varo. Varo needs to check their employees background real good. Varo don't know who working with them. We are HOMELESS cause if this. I want my money. Varo bank is not honest with their customers. Varo bank is a scam. I want my money I worked hard for.

a month ago

this bank is a scam

this bank is a scam. got $1600 in fraudulent charges on my saving account and they won't dispute them. They refuse even to look into the charges and there is no way to speak to a real person. do not put your money there!

sinclair

a month ago

On Reddick were complaints

On Reddick were complaints. I should of looked here first before applying for an online application. The Varo Banking advertisement looks so easy with perks to apply. It actually was a waste of time. I have other top bank accounts and they denied me without an explanation. The Fair Credit also says bank must give reason(s) for their denial. My experience was horrible. What are they doing with my information?

kevinone

a month ago

Friendly customers!

robert buskirk

a month ago

I had a transaction at Walmart on…

I had a transaction at Walmart on 4/28/23 that would not go through for some reason. The register would not allow me to purchase a baby monitor. So the cashier removed the item from my cart and I made the purchase. To purchase the baby monitor I went to customer service and they done a separate transaction. Everything was fine! I checked my bank account and they are holding the purchase price for the transaction that was cancelled. Varo is holding my money ten days until they will release I'm cancelling my account after three years!

dave bercovicz

a month ago

Horrible bank

Horrible bank - I tried for two days to transfer money to an external account and it kept failing. You can’t get anyone on the phone, only chat. They gave me a total run around. I asked to close my account and they said it would be 14 days to issue a check and another 5-7 days for me to receive it!!

a month ago

Do not use Varo Bank

kenneth “ashlee” barajas

a month ago

After looking at all the negative…

After looking at all the negative reviews Varo refuses to respond and they haven't responded back in a year and I have to say that supports what we are saying about Varo refuses to be held accountable for their unethical practices and I have to say in good faith that some one has to start a class action suit and start making Varo accountable and not allow this to continue to happen because we are all everyday people who work hard and in good faith we obtain business with the understanding of the services they are promised. No one is above the rules and law and this company needs to be investigated and audit and if there's anything wrong all employees should be accountable as well for assisting Varo in these practices. I will not stop until I get some resolution and Varo is held accountable. We have rights and they are not being addressed.

michelle jones

a month ago

SHADY policies

Varo changed their terms to avoid paying the interest rates in our agreement (gifting me early availability of deposits, then counting 2 days of the month towards the high interest rate PRECISELY BECAUSE those deposits came at the end of the month and not the beginning). Their customer service line has zero way to talk to a person. After leaving Varo for these shady practices, there is no way for me to get my tax documents, nor to contact customer service to ask for them. Varo is shady, shady, shady. Stay away!

grace aponte

a month ago

I do not recommend Varo

I have had varo a few years. I am closing my account. They always have issues on communication. They also do not resolve any of my concerns. They provide with a vage answer and provided no solutions. Their chat is constantly down. The reason why I no longer want to deal with them is that i was told i could not deposit checks, yet did not tell me why. Also, did not provide me with a solution. Instead, the rep ended the chat with letting me know. Do not deal with varo unless you want headaches.

denise davis

a month ago

I have banked with this shiesty…

I have banked with this shisty operation over the last 2 years. I have over $3000 in direct deposits each month. One of those deposits is my Social Security check. I randomly received an email message stating that my account is suspended for 4 days until an investigation is made. GOD FORBID! I need my money and am expecting a deposit today. I contacted the bank via telephone to no avail and am waiting their response. I kid you not. I will be removing all direct deposits to this bank immediately. For further validity of this post, I always do honest banking. I am waiting to know their reasoning for this gross inconvenience. In all my 50 years of banking, this has NEVER EVER happened before. Do I need to forewarn you?? Do Not Trust Your Money With This Toy Banking System. Get a Real bank account!!

kenneth “ashlee” barajas

a month ago

I have tried to contact anyone from…

I have tried to contact anyone from this company to resolve a problem with their business ethics. They closed my account and 3 months later I was told by Varo that they reopened the account to receive a direct deposit from the IRS and never informed me of this. This transaction cost me to paythe IRS and they ignore the problem. What bank closes a bank account for fraudulent activities and reopens it to accept the deposit. I am not going to stop with this situation and I want my money and a formal apology and explanation of the unethical practices.

ruth ann

2 months ago

The Straw That Broke Varo's Back With Me

This company has pulled the last straw with me this time! I have been with them since the beginning of Varo. Even through that awful changeover where I couldn't login to my account for about a month after that and customer servvice does suck just like some other reviews describe. Well, recently my elderly mother wanted a new debit card. Why did I ever recommend her to Varo? Simply because they are having a good referral program giving the sender and receiver $30 each. So I referred my mother and she accepted. They opened her account and said her card was on the way. After that, all H... broke loose and they closed her account with no explanation before she got her card or her perks. Then, to top it off they closed down my account they say for 4 days to do a security investigation! Are you really serious people? This is a debit card company which can come a dime a dozen. Have they ever heard of a family computer? In which most families do have because not everyone has their own personal computer in the household. If this is what people experience when they sign up, I must say that this is the most faulty system ever that they use and not a top notch one as they claim. Do not waste your time with Varo.

kenneth “ashlee” barajas

2 months ago

Kenneth Barajas Customer

This bank is the most unethical bank that needs to be held accountable for their business ethics or lack of. This bank closed my account and 3 months later reopen the account to accept a deposit and never informed me of this transaction. In addition to this unethical practice they allowed 2 other people link themselves to my individual account and conduct fraudulent activities and transaction and held me accountable for these fraudulent transaction and held me responsible for them and took the money out of my account and stated that there was no fraudulent transaction and denied my request for reimbursement but closed my account for fraudulent activities. I went at my expense to another state to file a complaint and at the same time they closed my account with no access to any funds and left me penniless with no regards to what I was facing in a strange place. No regards to my safety or well-being. This company will go to any lengths not to be held accountable for their unethical practices and their actions demonstrate that they are not unethical and their dishonesty is very questionable to criminal practices because they will ignore all their policies and the customer guarantee from them if they become a customer. As corporations like this are going to any lengths that are so unethical and dishonest no one that was a victim of the practices of Varo should not give up and make them accountable and the employees who are supporting these unethical practices should be held in as well and to the employees who know what is going on should be ashamed of themselves and I have one question is a job that has caused you to be dishonest and unethical worth your integrity and your morals. It is ashamed I'm sure that is something to be proud of. THIS BANK IS TOXIC AND SHOULD BE INVESTIGATED. This has been going on way too long.

stacey bjorgo

2 months ago

Worst customer service ever

Worst customer service ever. The representative shouted at me the entire call, rude tone and sounds like he could care less about my dispute about a charge I didn’t authorize. The purchase was still pending so he couldn’t help until it cleared but told me my card is still going to cancel after the call ends. He didn’t request a new card to be sent in the mail, I had to call and speak with another department for that. I am trying to look into new banks as of now.

abhishek sharma

2 months ago

I can't transfer my money to anywhere…

I can't transfer my money to anywhere else not to authorized bank account not through Zelle. I had to withdraw money from ATM . Imagine drawing money from vari ATM and deposit it in another ATM . The reason they give were following and all false 1. You don't have qualified deposit 2. You exceed your transaction limit 3. Install app on do it there I just left $10 iny account .

tracy

2 months ago

DO NOT BANK HERE

I just received a new debit card. I have been with them 3 years one email saying your account is closed. No explanation. I have searched and tried to contact. Nothing! I was in good standing 2 days prior. I am SO ANGRY. In my research i found several other people have had the same happen. HORRIBLE especially since I had just been singing their praises !

gentry cameron

2 months ago

Varo-Customer Service Dead-end

No one at Varo truly cares, they certainly don't have your back. I put my trust in them, put my direct deposit through them, promoted them, and defended them in conversations. Things were great the first year until after being a long term customer and in my time of need the help I got in return after being a loyal long time client was a rude awaking. Their support heavily consist of getting shunned with thoughtless and canned responses. I had 4 fraudulent charges on my account. The dispute process has been SO painful. I fully expect my active dispute will be closed in the merchants/fraudsters favor. Then I'll likely try follow up with varo for an explanation of why, and I fully expect I will only receive canned responses over and over, with no contextual value or real reasoning as to why. Varo doesn't help protect it's members like any Good institution would, a normal bank I could go to a branch and get some actual help. Varo is totally fine controlling your money and playing dictator while you sit and wait and wait and wait. Any fraudsters looking for an easy money should know that Varo's members are a prime target. They can steal from Varo's member's accounts and no one, especially Varo, will do anything about it. Good news for members through because Varo has a disputes team. However they must follow "strict guidelines" AKA provide no credits or real help. You can expect them to drag their members through a tireless journey of no support and endless wonder/hope. Seems to me that Varo is way more interested in giving fraudsters and bad merchant their "reasonable" time to reply to a dispute (90 days seems reasonable for a simple reply), then actually helping their members keep what's rightfully theirs. I guess to varo it's all the same, they get paid no matter who is spending the money, however to their members it deeply matters. So while someone is out there fraudulently charging my card, I get the cool benefits of being a "valued varo member" by getting bullied by varo and any merchant that wants to take 4 months to reply to a dispute, but hey I get my paycheck 2 days early...so it's all worth it. To sum it up, based on how's my dispute, and more importantly customer support has gone so far, I fully expect the process to drag out many more months just to ultimately never see those funds again, as my dispute will likely get denied because varo has zero competence. I used to vouch for Varo to family and friends, but that was before I actually needed anything from them. They are great if you never have any issues, but the second you need your banking partner to help you, game over. After this ridiculous dispute process, I will NEVER go out of my way to say a single positive thing for Varo. I feel betrayed by the "bank for everyone family" that was suppose to protect me, instead they ran the other way when I needed them most. I feel totally used by varo, and I have never had a banking experience like this, super disheartening.

jack jackson

2 months ago

Cancer and aids

Varo is a mess and on the verge of bankruptcy. Whatever your reasons for using this bank, it is not a viable business model and will collapse one day and your money will disappear. Varo bank would routinely short my balance for reasons unknown to me. My running total balance of my account would routinely show less than my available balance. I would have to spend hours on hold to speak to someone to have my available balance corrected. They have a very low number of transactions you are allowed to make in a day and if you go over that number, they cut off your access to your money. I couldn’t feed my kid once and when I called them about it the supervisor told me it was my fault and wouldn’t help me. Luckily they fired all the customer service staff, I take pleasure from knowing those jerks are now on hard times. I also hope they all get cancer and aids.

michelle

3 months ago

Worst bank ever - FDIC should intervene.

Had a fraudulent payment go through and I was only able to get this reversed and my dispute processed after many months after reaching out to an executive on LinkedIn. Varo said that they would block this payee after the incident and they did not as a similar charge went through once more. After almost 6 additional months of no resolution, I am giving up on getting the money back and closing my account. Varo is the worst bank I have ever used. If any law firm is interested in starting a class action lawsuit, please start one because I am sure there would be many Varo Bank users interested.

ms bossy

3 months ago

Do not choose this bank they are…

Do not choose this bank they are horrible at customer service. U don’t get direct deposit 2 days early. Just lieing company.

don buford

3 months ago

Closed my account with no communication…Terrible

Closed my account with no communication (other than they closed my account) when I tried to access online while overseas to send money to the family. Terrible customer service and not the bank or service for anyone who cares about communication or access to their money or access customer service or transparency in banking disclosures.

brian piornack

3 months ago

Plain and Simple.. By far the worst customer service you will ever experience.

Varro, has by far the worst customer service I have ever experienced in my life. I can only pray that this company burns in hell. They offer false advertisement with everything they supposedly offer with no resolutions . The only number I found was blanked out. How I'm the world does this company stay afloat is absolutely mind boggling. I would rather die than to have to use this company again.

mark f

3 months ago

The worst!

The worst!! I cant send $60 from my varo account to another authorized bank account. notice says transfer failed, try again later. Varo Has NO Telephone support!! Their chat support requires opening an additional account through google play to contact them. Aviod Varo like the plague.

debra myers

3 months ago

IF I COULD GIVE THEM A 0 I WOULD

IF I COULD GIVE THEM A 0 I WOULD. THEY CLOSED MY ACCOUNT FOR A W9 FORM THAT I SUBMITTED IN 01/23/23 THE DUE DATE WAS 02/25/2023. NOW I DONT HAVE ACCESS TO MY MONEY THEY WONT REOPEN MY ACCOUNT SO I CAN TRANSFER MY MONEY. I JUST GOT PAID ON MONDAY AND MY TAX REFUND IS ON THIS ACCOUNT. I AM BROKE AND I HAVE BILLS RENT DUE, I WAS IN THE PROCESS OF MOVING FRIDAY BUT HAVE NO ACCESS TO MY FUNDS TO PAY MOVE OUT FEES, THIS HAS PUT ME IN A BIND I AM A SINGLE MOM OF 3 KIDS 8,7, AND 5 YEARS OLD. IVE BEEN CRYING FOR 2 DAYS CAUSE I DONT HAVE MONEY LIKE THIS TO PAY LATE FEES. I JUST WANT THEM TO OPEN MY ACCOUNT SO I CAN TRANSFER MY MONEY AND THEY CAN CLOSE IT OUT. PLEASE DO NOT BANK WITH ONLINE BANKS FIND U A LOCAL AND INTERNATIONAL BANK WHERE U HAVE ACCESS TO YOUR FUNDS. DO NOT BANK WITH VARO AFTER 2 YEARS OF BANKING WITH THEM THEY CLOSE MY ACCOUNT FOR IDENTITY VERIFICATION THAT THEY SUPPOSE TO VERIFY IN THE BEGINNING BEFORE APPROVING ACCOUNTS. VERY BOGUS AND SCAM THING OF A BANK. PLEASE SHARE WITH EVERYONE.

sean dudley

3 months ago

THIS is as bad as it gets

Customer service, when you get to interact with them, is extremely rude and completely worthless consisting solely of copy and paste phrases direct from the FAQ page and nothing more. They lock up accounts and refuse refunds to the account issued by the merchant without any reason, then retaliate like petty children when you complain. THIS IS THE ABSOLUTE EPITOME OF HOW HORRIBLE CUSTOMER SERVICE CAN POSSIBLY BE. AVOID VARO BANK AT ALL COSTS!!!!! YOUR MONEY IS BETTER OFF UNDER YOUR MATTRESS! *EDIT* To update, Varo customer service has reached out to me in regards to this review, only to further the harassment and attempt to cram their opinion as to this dispute down my throat, and insist that they were right the entire time and the matter is closed, not even allowing an arbitration, contrary to their own terms and conditions….

robert shelton

4 months ago

Terrible experiences that never seem to go away

These people are by far the worst. Since transitioning from the money card they once were to this supposed banking system their customer service has went straight through the floor. To put it lightly it's the subfloor to a septic tank system. I've had nothing but problems out of them especially in the realm of transfers. If I were trying to do a transfer from their system to another system I could almost understand but when you're dealing with internal transfers within the confines of their own system my experience has been absolutely ridiculous. On numerous occasions I have been placed in financial crisis because of these transfer issues not to mention the fact that other members of my family have been placed in the same crisis when I'm trying to do a transfer to them and we share the same platform. I would never in my entire 48 years of life think of recommending these people to anyone. At one time I was a very satisfied customer until all of this nonsense became part of their reality in switching to their modern banking system. Apart from this experience I've given them a multitude of ideas that would benefit them greatly and create a whole other platform for their existence. I'm actually glad they didn't take my advice because then business owners would be dealing with the same thing I am. Nothing but bad things to say about these people. The only one good thing I can say is about dealing sometimes with individuals who work in their customer support which surprises me because I can only imagine how stressful their day is trying to explain away the issues that this bank has.

ruth

4 months ago

Great card, lacking customer service

The card is great, however the customer service is lacking big time. Every time I try the chat I'm like 153rd or 173rd in line. UGG! And NO way to call customer service, just this stupid live chat crap!

g dunn

4 months ago

This is the worst baking system on…

This is the worst baking system on earth. It won’t let you pull out or transfer any money to another account. It keeps declining the transaction it won’t let you link any bank and only let you make deposit into your Varo account of $300 or less it’s the worst bank on earth I don’t know what your purpose is or what the heck you can be used for because you suck in your bank. There’s nothing that banks should be doing you’re the worst bank on earth.

char jay

4 months ago

Initially, I liked Varo until...

I liked banking with Varo mainly borrowing and paying back- until I expected a refund from Amazon and a bank transfer that never posted. I contacted both sources and they directed back to Varo. I tried to contact customer service via-online. The representative responded as a computer that only comprehended specific prompts. Decided the funds under $100 was a lesson learned and resulted in cancelling direct deposit and ceased banking.

william w

4 months ago

DONT DO IT. FIND A BANK YOU CAN TALK FACE TO FACE!

I’m currently being blacklisted by a government agency and varo bank overall is ok but it is easily hackable and I can never change my phone. So I have money in the bank and can’t use it because of two step verification. Same with visible wireless. It’s an online phone company that is easily hackable and I can’t get my phone number changed that is associated with my varo banking account. NEVER DO ANYTHING ONLINE THAT DOESN'T HAVE A REAL PERSON TO TALK TOO!!! It’s always best to walk up and talk to a real person. My name is NeveS.

charles t

4 months ago

Good Bank

I've been working with Varo Bank for a few months now. It has exceeded my expectations in so many ways! The app is well designed, user friendly and provides all the necessary functions. Really good bank.

justin rule

4 months ago

I would not recommend Varo Bank to anyone.

I recently opened an account with Varo Bank, and I have to say that my experience so far has been terrible. The customer service is non-existent, and their website is difficult to navigate. Furthermore, the features that I was promised have yet to be implemented.

sonnge r

4 months ago

Poor customer service bot

I've used this bank for my direct deposit for over a year now and not being able to speak to a real customer service representative is horrible. I had advances every month and paid promptly. Last month my deposit posted on the 31st making my advance repayment late by four days and of course you can't plead your case to a chat BOT because that's exactly what you're doing. Forget early pay days, I'm going back to Bank of America.

charles tunnell

4 months ago

i done a mobile deposit because they…

i fone a mobile deposit because they are suppose to be fasterband easier and more convenient, well that was the biggest mistakeni could have made they are telli g me that i havento wait 9 days for my check of $120 to be available, that is absolutely insane i just cant not imagine why any back would make any one wait that much time for a cashiers check from another bank

m.l.

4 months ago

A thief was not only able to open an…

A thief was not only able to open an account with Varo Money with my email address but they even sent a Varo Money Debit card to my home address. These thieves allow & other thieves to easily setup accounts and steal from others. This is NOT a bank but a financial services company. Therefore they are not subject to normal financial regulations. Trying to shut down my account was a huge pain, especially since the thief had opened up 6 accounts with these types of services and I was communicating with multiple services to shut them down. It's absolutely horrible that I received a Debit card I never asked for in my name and I'm so glad the card came to me and not the thief. STAY far away from these thieves.

trucking business

4 months ago

Zelle with a condition and closed my account with no notice ahead..

I was so glad to finally find a bank that does not charge monthly or annual fees so that I can use Zelle service. They don't let you use Zelle until you have your employer direct deposit your payckeck to your Varo Bank which is ridiculous because in my case I get paid Cash. Now, they never contacted me about any information or documents needed from me until today. They sent me an email asking to provide a few pieces of documents to verify my identity. As I was readin their email, I received another email that was sent 3 minutes later telling me that they closed my account. I emailed them back right then, by did not get any respond from them.. They close customers accounts as they feel like it or what???

jordan butler

4 months ago

Banking : decent / Support : awful

This was a decent bank that had too many scammy offers that never fulfilled their ends. Recently, the VARO bank app would fail to load and for days, transfers and transactions were down. I lost a night at a hotel for that. What they are primarily bad at is disputes. I filed a dispute on 11/11/22 for a charge on 11/9/22. The original dispute report had 01/06/23 the date in which the dispute would be completed. On 1/3/23 I got an ‘update’ email from Varo informing me the expected date the dispute would be completed by was 03/10/23. On 2/4/23 I contacted Varo on 2/4/23 requesting why this dispute was taking so long, I was disconnected and then received an email saying my dispute will take 90 days and no date was given when it would be completed. It was as though they reset the date of my dispute to prolong so they don’t have to pay. They have violated FTC regulations, one requires institutions to mail customers a letter indicating a dispute had been started and the other requires institutions to complete disputes within two billing cycles or 90 days. As it is now been after 90 days and three billing cycles, Varo takes no action or responsibility. Use them if you’ve never needed to file a dispute. Otherwise, use Chime or alike

katrin r

4 months ago

WORST BANK EVER!! Run Away...

Do yourself a favor and DO NOT bank with this bank! Trust me, take my advice and DO NOT open an account with this bank. They have NO customer service line, they delay on emails. If they close your account, you have NO ACCESS to your account and you have absolutely idea where they are sending your money. Colin Walsh must of been on crack when he created this bank because he is stealing customers money and they have NO way of seeing what's happening. I just opened an account and a couple days later it closed out..for no reason. It was due to "inconsistent" transfers that doesn't make sense this because I transferred money from one account to another. and it was my external account

jackie sue

4 months ago

Needs a thorough Audit ASAP

I’ve been banking with Varo for 2 years now and not only are their procedures getting worse and affecting their customer negatively but now it’s takes an hour or so and a few guesses to get a representative on the phone who provide you with that same false information as their chat feature who has a robot behind the computer giving you repetitive answers. I worked in litigation for 20 years and testified in Federal and Civil court around the country for a bank. Varo needs to be audited until they get it right! They need to stop sending fraudulent, random emails as well!

shotta boy

4 months ago

Varo doesn’t post your direct deposit…

Varo doesn’t post your direct deposit sometimes

meagan hodny

4 months ago

Great Online Bank

I really enjoy the base of the bank truly. I do get paid faster like they advertise. I haven’t been able to use their other features because I don’t consistently get paid in that account or keep a good balance. I love their auto move pay to savings so I don’t have to think about that. Their chat support is very prompt and always friendly and helpful. Their app is great too never had an issue in 3 years.

bryan hughes

4 months ago

Don’t use Varo if you need instant…

Don’t use Varo if you need instant access to your own money such as transfers from Savings to Checking. I am currently waiting for such an “Instant Transfer” while trying to check out of the store and have been waiting going on two hours. After being 150th in line to speak with support who informed me of a “slight delay” for internal instant transfers. Slight? 2 hours is slight? I’d hate to see a long delay instead. VARO is the ONLY bank I have ever used that has this problem. And on a regular basis too; this is the 4th time, though the first it has gone on for so long. I am done with VARO and am closing my account. This is unacceptable. Clearly amateur hour is running this sad excuse for a joke of a bank. Oh, they also force you to use them for Direct Deposit if you want to use Zelle. Again, the ONLY bank that does this.

lisa mays

5 months ago

RUN FROM VARO BANK

RUN FROM VARO BANK! If you have money there now, get it out STAT!! The customer service is horrible … more like “nonexistent “! As a side note, also don’t fall for so called services like “donotpay.com claiming to help you reach a human at the business you are having difficulty reaching! This is an even bigger scam!! Anyway…back to my experience with Varo…. Up until September, 2022 I was able to reach a live CSR agent, but since September 2022, when I call, I only reach the automated assistant. Here, you are given an option to “speak” to someone, but when you select that option, you just end up right back in the same automated assistant’s vm which also directs you to the chat. Desperate, I did the chat thing but that too was a joke! Even when I did get a human being, I received “canned” responses at best! In addition, they always have some kinds of financial promotions, but despite following through on your end of the deal, they do not follow through on theirs whatsoever! This, along with a problem with my debit card as well as a dispute were the reasons I needed to “speak” to someone but was never able to do so! I should add that I also tried sending emails to no avail! Because of this, I have transferred all of my money out of there!! RUN from this bank!! Chime is a MUCH better alternative AND they have “true”. 24/7 Customer Support!! I wish there was a way to shut down these kinds of places! Every business NEEDS a phone and human beings to affectionately conduct business ! Varo is just among a handful of other businesses trying to scrimp on customer service like this. Perhaps for some business this is effective but it is NOT in 99% of the cases and I wish our government would put an end to this !!

nicholas searles

5 months ago

DO NOT USE VARO BANK

Nearly two years ago, I had a checking account and a Believe account with Varo Bank. I used Varo Bank for all of my banking needs, including my direct deposits from my employment. Everything was fine until I made a purchase using my checking account. The purchase went through perfectly fine and nearly 2 months went by before I saw a huge problem. Varo Bank decided they had made an error in processing my purchase and overdrew my account to "correct" their mistake. Never even contacted me to say there was an issue. NOTHING! I heard NOTHING! I tried to contact the "customer service" people and got no reply. Both accounts are closed, again without notifying me about them closing the accounts. Strangely, prior to seeing my accounts were closed, Varo wanted me to deposit money into my checking account to correct their mistake. Well kind of hard to do that when the account is closed for one, for another, Varo Bank made this mistake and waited nearly 2 months after my purchase to try this scam. I would advise anyone who has ever had a strange transaction or no communication from Varo Bank to contact the Banking Commission and report them as I have done. I am currently waiting for a response from the Commission and hopefully they will be shut down. DO NOT open any accounts with Varo Bank. Lastly, do a search on Varo Bank Lawsuit. Very shifty and shady and criminal.

tara foerster

5 months ago

Forget even considering varo

Forget even considering varo. It's impossible to get customer service on the phone and they burned my referral and myself out of bonus money by changing dates...they kept sending emails reminding of the cutoff date for the referal to spend $20 with his new account, which he did (I even emailed varo copies of receipts and their reminder emails) but they sent some bs which didn't answer my complaint. I know its not a lot of money, but they're shady as can be......closing my acct. Investigating for a Class action is next

kl allen

5 months ago

With the Varo Bank Believe Secured…

With the Varo Bank Believe Secured Credit Card they don’t not advised you that they hold your deposit for 19 Business Day even if the merchant releases the deposit. It’s not in writing or their terms and conditions so the customer will not be aware of this. You cannot hold someone’s deposit. If the merchant releases it, the card company has to release it. They are blaming the merchant and visa when it is really their policy that they do not make you aware of.

blessed lynn

5 months ago

So I used varo bank to receive my…

So I used varo bank to receive my direct deposit ,the first 2-3 payments from my job came threw with no issues ,now all of a sudden my pay of $180.64 has not hit ,it shows my job deposited it into my account on 1/4/2023 .varo said they see no type of deposit at all which is odd ,I will not be using them ever again and I will be suing varo and my place of employment .

richard d edmiston

5 months ago

Varo is at very best a low budget bank…

Varo is at very best a low budget bank with horrible customer service& horrible banking practices! I opened an account &set up direct deposit for my ssa so I could get the believe secured card to help build my credit.Varo went 9 months without reporting ACCURATELY to Experian, they still to this day haven't updated to transunion since July 2022&STILL REPORTING WRONG TO EQUIFAX!! After several Disputes I finally gave up on being polite( given varos reporting errors dropped my scores 21 points) I spoke my mind VIA LIVE CHAT&,THEN after reporting varo to the BBB,OCB&The FTC> VARO CLOSED MY ACCOUNTS&LOCKED ME OUT OF THE APP!! Varo emails me this info and THEN STATED ID GET MY MONEY BACK from the secured account IN 4 TO 6 WEEKS!!THIS BANK IS THE WORST and I hope this review prevents others from making a huge mistake by opening ANY ACCOUNT with varo!! There's no way period to speak live with a varo rep!! They do NOT respond back to emails!! WARNING >> DO NOT USE VARO!!

customer

5 months ago

I’ve actually had this account for over…

I’ve actually had this account for over a year and have no problems. I even had an dispute that was settled rather quickly. So far no issues no complaints.

afirash or tolasa fufa

5 months ago

Poor people for help

My experience but iWork full time

king asset player

5 months ago

Never bank with Varo can’t speak to…

Never bank with Varo can’t speak to customer service representative on phone, their support chat isn’t helpful will send you links on policy no real assistance, will take 10 days to have funds available from mobile deposit! Don’t trust not reliable and terrible services/policies.

erick matallana

5 months ago

Very bad experience they closed my…

Very bad experience they closed my account not details... now I have to wait 2 week to get my money back in a check Don't use is Scam

t.w.

6 months ago

Varo for the win!

This is the bank I’ve been looking for. I have never been a big fan of financial institutions and their business practices, but Varo bank has been forward thinking with a streamlined approach and they serve my purposes very well. Congrats to the Varo team..

erick matallana

6 months ago

Para todos los Latinos que quieren…

Para todos los Latinos que quieren tener una tarjeta para pagar no usen este banco son unos rateros recien deposite $100 y ahora mi cuenta esta cerrada no esplicacion no detalles Cuidado no usar Varo pura caca

faith christine kelderhouse

6 months ago

SCAM

I opened a Varo account and was encouraged to "fund my account" which I did by transferring hundreds of dollars from my current bank to my Varo account. As soon as they had my money they informed me my account had been closed and do not call or email them as their decision was final. I had to file a fraud dispute with my current bank over the money I transferred to my Varo account. It took over a week but I won the dispute and got my money back that Varo tried to keep. RUN from this institution!

wael

6 months ago

This bank is super shady ,customer…

This bank is super shady ,customer service trash there's no way to contact a real representative at all. All I see is complaints towards varo they seriously need to investigate and shut down this trash ass bank

ashley

6 months ago

Absolutely trash customer service and scammy bank

Absolutely trash customer service. Have the feeling my identity was stolen, reached out to Varo Bank via email (their only way to contact them) and they gave me conflicting information and kept asking for "more information" to close the account. Won't tell me what information, just "more". Scam bank, do NOT open an account with them.

tom weber

6 months ago

Scam alert

Scam alert ! I received an ad from a Varo partner and stupidity opened a Varo checking and savings account They took my money and 3 days later they informed me that they closed my account and will only return my money after 3 weeks! Stay off !!!

suzan

6 months ago

Worse card to get or want

I put my trust in varo and they lied to me right on there app and on every credit card site's that you look on I was wronged by them misleading me ,like on them saying that you have 24 hour access to customer service, I learned today, that there is no such thing. Varo's telephone phone number 1-800-827-6526 does not provide live agents, a robot answers you, and will tell we offer live chat in the varo app and promt's you to go there, but it is nothing more then robot answering and You with the same lie's over and over again. Same thing with the phone number 1-877-377-8276, they both do the same stupid recording and choices but you never get to speak to a live agent your only told that your number 100 cirque on the list, terrible, I stayed on the phone waiting for their stupid representatives to chat with,but nobody responded! One day my money was in there, the next day it was gone! A very non trust able bank! I advise people if you want to speak to a live agent to answer any of your questions, please do not pick varo! There is no corporate phone number to talk to them either and this is bad within a company, because the CEO wants your money, but he doesn't want to pay for live adequate customer service people for to to actually talk to only a robot and with a chat that nobody answer's! They lost my money, then my card said today I had money and when I tried to pay a bill it was declined, why? Do not pick varo!

danielle lyons

6 months ago

Mobile deposit takes ten days

Mobile deposit takes ten days. No thanks. That's just too long...

jason norwood

6 months ago

They made a mistake and kept my $50 bonus

They offered me a $50 bonus because I was referred by a friend they sent the card to the wrong address first by the time I called him and got another one it was almost a whole month after a month actually then when I got the card my phone was damaged and I couldn't use my phone number to use the app I called them again and told him could you please allow me into my thing I don't have a number with the app connected to it my phone is damaged so once I finally was able to log in with a new phone a few days later they tell me it's too late I can't get my money when originally it was their fault to begin with by sending the car to the wrong address or never getting it and it took too long

mr. t

6 months ago

Something fishy is afoot at Varo Bank / Varomoney

If you use this Bank, change your direct deposit institution and get your money out as soon as you can. They have disabled the ability to transfer funds to non-Varo accounts and did this without providing any pre-notification. They will not provided any information to account holders as to why or when/if they will reinstitute this capability. I spent several hours over multiple days on the phone trying to get to the bottom of this and now you can't even call them for customer service, you can only use a chat service. BE WARNED!

kristin reynolds

6 months ago

Direct Deposit Failure

I only been with the bank a few months but this the first time actually depositing money onto the card. My paycheck didn't come through and tried to see if customers service would help to see what was going on with my account. It didn't help one bit. I think should have stayed with my old bank.

nina

6 months ago

Worst bank I have ever been with!

Worst bank I have ever been with!! Every couple of days my card keeps getting declined due to fraud alerts. I can understand it happening one or two times but this is been like the sixth time in 2 weeks that my card has gotten lock due to a fraud alert. I'm trying to do Christmas presents and get all my Christmas shopping done and I'm unable to do that because they keep locking my card. I also found out that you only have a $2,500 a day limit on what you can spend and $1,000 limit to get cash out. I was able to get them to raise it however that doesn't help if they keep locking my card! Customer service does everything they can to help me every time but their policy on locking the card every couple of days because I'm doing Christmas shopping is ridiculous. I do understand fraud is a big thing right now however this is very excessive. I've had to use my credit card which I have to pay interest on when I have money in my account but can't use it because my card keeps getting locked!!

dara chhun

6 months ago

Not reliable

Not reliable, customer service is horrible, there’s a $500 limit you can deposit into your account that doesn’t make sense.

kelly chan

6 months ago

From the looks of some of these reviews…

From the looks of some of these reviews (and especially the ones that are around Nov 28, 2022), other people have been experiencing the exact same issue--the bank won't let me do external transfers to another bank and have not provided any reason for this. They say their system "periodically checks eligibility" but there's no mention of this on the website, there's ZERO clarity as to what makes you eligible or ineligible, and there's ZERO attempt at rectifying if this is done in error. Varo is essentially holding my money hostage by not letting me transfer it out. What bank doesn't allow you to do external transfers? I've been with Varo since the beginning and they've just become increasingly disappointing.

aronka

6 months ago

Varo Works for My Family!!!

My Varo account has been very good. I have also joined my sons for family money transfers when needed. I love that there are no fees and that it communicates well with my other financial accounts. I highly recommend this bank. God Bless.

steven hodges

7 months ago

Just another crooked

Just another crooked, lieing, worthless "financial institution" . They shouldn't even have that title. The only institution I think of when I hear the name varo, is a mental institution.

marcus williams

7 months ago

This Bank steals your money and will…

This Bank steals your money and will lie to you and not communicate when fraud happens even when you have proof.

steven hodges

7 months ago

What a horrible bank

What a horrible bank. They just can't get there "stuff" together. They tell lies after lies. They just started using zelle so I set it up. Even confirmed the setup. I can even send money. But when it came time to receive a deposit via zelle, after 5 hours on the phone with them. They finally told me it was because I needed to have a qualifying deposit to qualify to use zelle. I have used this crappie *** bank for a few years and everytime I have something important I need to do, involving them, They drop the ball, or just flat out lie to me. Another instance is I needed to withdraw $2,000. I called to confirm how to do this. They assured me I could withdraw $1,000 a day. Well when the time came I could only withdraw $500 a day plus all the fees. That isn't everything. There's to much to write. Stay away from this bank.

lamechellee robinson

7 months ago

my account was closed Im for sure as to…

my account was closed Im for sure as to why but I’m currently stuck in Dominican Republic with two kids one and 6 months my one year just had surgery are trying to get home! I was notified no fraud was on my account nothing just closed it without any warning we are stuck in an airport no food nothing just the clothes on our back!! When talking to support I was told it would take up to 21 days for funding to be sent to me. Everything I have is in that account!! VARO BANK SUCKS!!!

nikki thomas

7 months ago

Why doesn't this link up the plaid app…

Why doesn't this link up the plaid app on the Coinbase app? When logging in my varo app info, it doesn't connect to the Coinbase app. Varo doesn't allow me to take a picture of my driver's license on the app. It says : CANCEL OR SETTINGS. GO TO SETTINGS TO ALLOW CAMERA PERMISSION. It will not allow this. This app needs a lot of improvement for people to use as their bank. Bottom line varo app isn't compatible Coinbase for payment of bitcoins on the Coinbase app.

missy beers

7 months ago

They all of a sudden decide to not…

They all of a sudden decide to not allow me to do a transfer to my bank linked to varo and no can get a clear answer to why .. I have had this bank link for a long time now and constantly transfer to it monthly ... horrible customer communication service- feel like they are only reading through a script .. first call was on the 31st of October, called again on the 1st and 2nd of this month and still no reason why .. Very unhappy customer

ripped off

7 months ago

With Varo from the beginning, not anymore.

I have been a longstanding customer of Varo's since before they got their bank charter. I am closing my account with them now after my most recent experiences. For reasons unknown and unexplained to me, Varo decided to simply "remove" my capability to transfer out of my account / make ACH withdrawals. And when they did that, they didn't tell me, and let me spend days going through customer support, trying to figure out why the dang transfer button kept giving me a generic error. Seems like Varo has officially joined the "F#ck you" club of corporations that is more interested in getting their agenda done, than in their customers that made them a corporation in the first place.

josh schweigert

7 months ago

No customer respect, all about legal agreements.

This company does not understand how to treat customers. They cite their legal agreements and that they can close your account "at their discretion" but when confronted they regurgitate the same. "The decision to close a Varo account is complex and difficult and we do not generally share specifics. Please know that our decision to part ways is based on an objective and comprehensive evaluation of account and transaction history. Based on this analysis, we are confident that the appropriate action was taken. Per the terms of your contract with Varo Bank, we have the right to close your account, at any time for any reason at our sole discretion. Our customer service team will not have further details regarding the account closure". How is it respectful to spit in someone's face with a sudden account closure and then offer no valid reason for it. I did not use the account for business purchases, no unethical/illegal purchases, and no fraudulent or behavior that violates the legal terms they lazily link to each time I ask. Awful bank practices at play especially since it seems they do not allow support to share details. No way to contact any other team at this bank to get more details on why an account was closed. You are left high and dry other than getting your money but they give themselves 14 business days, seems pretty charitable on themselves especially if they do this to someone who depends heavily on the account and cannot wait 2 weeks to use their money. But hey, it's covered under the agreement right?

chuck arnone

7 months ago

Watch Out for Your $$$$ with Varo Bank

I opened an account through a referral late September 2022...with no more than 4 transactions to my account...on October 28, 2022 5:07 PM, the bank temporarily suspended my account via an email and was told that regular customer service could not help me. Call Back On Monday the 31st. OK so I was checking emails around 9PM and there it was...2 emails @ 8:55 PM saying that both of my accounts were closed! I then sent off an email on October 29, 2022 to support and let them know what I think of there actions....they told me that they do not have to tell me why they did cancel the accounts.....I have never heard of such BS from a bank in my life and then send your money back by mail within 14 days...I think the OCC and SEC should look into this matter ...something is fishy here....if I could give them a -10 for a review ...I would!!!!! Bottom Line: DO NOT OPEN AN ACCOUNT WITH THIS GROUP!!!!!!

destiny h

7 months ago

Blame the victim

I'm currently in the middle of a number of charge disputes on my account. Someone hacked into my account and drained it of everything. I filed the dispute and eventhough everything about these transactions screamed FRAUD! They determined no fraud. I appealed showing proof that I was 500+ miles away at work when this took place, still stated no fraud. As I'm in the middle of this appeal, someone is STILL sending charges through this account eventhough there's no money in it. Since apparently they are saying I did this, I guess I keep forgetting there's no money in the account and keep making charges anyway. I'm contacting a lawyer and the police because something isn't making sense here.

charletta beasley

7 months ago

For the past few months Varo has been…

For the past few months Varo has been suspending my account, they never give me a reason so I'm getting ready to close my account with them, I have been with them for awhile

andres molina

8 months ago

Good backup account. Great savings account

I have now had my Varo account for two years and there are some pros and cons. Pros - my payroll check is direct deposited two days early. Never had an issue The savings account they offer beats most that are offered. Typically you need a credit score of 600 or more to qualify for a worthy savings accr I had some fraud issues occur. I have my transaction notifications turned on and i caught two. They froze my card, refunded the amt. All was good. I like that i cant over draft. Those come with hefty consequences. You can turn your card on/off anytime and still keep it Payments process quicker than a brick and mortar bank. So your balance is live but they also provide a pending balance which includes what you actually have vs what you have + pending payment. You can borrow $20 bucks and not face a fee. Anything more than that will cost you. Most of my issues are resolved. I had one with the credit card that i signed up for. I still cant wrap my head around how it actually works so i paid the balance off and havent used it. I initially started with $200 then had to add $400 bc of my fraud issue. I needed a card to use until my new debit card came in. Essentially i believe i lost out on $200. I have yet to review my statements. The BAD: A lot of places of business that use banks like Chase, Wells Fargo or US Bank (wall street/brick mortar POS) are starting to not recognize banks like Varo, Chime or Online banks as they call them. When i was on disability Mutual of Omaha refused to deposit my checks to Varo. Luckily i have a back up. Hotels are starting to refuse them too. In case any damages are left and they try to charge you they cant if ur balance is $0. No payday loans or private loans will accept varo. The cash deposit thing is BS. I went and bought a greendot card, loaded it and tried to transfer but it was impossible. WHY CANT ALLPOINT TAKE CASH DEPOSITS? Its beyond me! I read a review on here about how someone with drew cash and the ALL point atm gave them no cash and a receipt with balance. I literally had something similar happen last year. I withdrew $400 to go deposit into my keybank acct and found i was $100 short. I thought this was keybank but it sounds like VARO AND ALLPOINT are the problem. Mobile deposit - i just used and i read reviews. God i hope it doesn’t take them a year to deposit my state of colorado check. Something in me said to deposit into my keybank acct but they take 2-5 business days. Theyre at least good on that, but it sounds like Varo does whatever it sees fit. The only reason i keep this account open is for my savings. I think going forward i will use it for savings acct, and use the bank acct to pay bills. The cash deposit feature is lame, mobile deposit seems to be lame.

theomgbrand

8 months ago

Terrible Banning App

This company has the worst customer service I've ever experienced. I just randomly get a notification that my account is closed. They locked my account the time I was buying lunch for myself. This Baking App is terrible. Never create an account to this company.

gary walling

8 months ago

BEWARE !!!!

Beware !!!! I had fraud on my account and was promised that if fraud they would reimburse my funds no matter the date. I was reimbursed 260.00 of the 2,100.00 dollars owed and then say it happened 3 months prior and wouldn’t pay me back as when I called first they told me it didn’t matter date, if fraud found they would reimburse all.. Terrible service and they are not for the customer as banks should be. They have taken my money and I have tried to Appeal but no help. I have had to now hire a lawyer to get my funds back and contacted the BBB. The good reviews they have are from their staff as they give a bonus if they go on here and write good about them. This has to stop with them taking customers money and try to help customers instead of hurting them. Gary Walling

eric dodge

8 months ago

Huh…. I’m shocked.

Before writing this review I wanted to see what others have said. All the negative reviews have me stumped. I’ve not encountered these issues. -I alway get my paychecks 1-2 days early. Depending on holiday schedules. Unless it’s a new job then I can expect a paper check till direct deposit kicks in. -haven’t (yet ) have a all point atm keep my cash -I’ve transferred funds from Apple Cash to my bank account even knowing it says. 1-3 days to complete. Vs paying a fee for immediate transfer. The transfer has lately been deposited into my account within HOURS of submitting it. Hopefully I didn’t expel the luck shield around me now. But. With varo I’ve had no overdrafts. Unlike with my brick and mortar. If I over-drafted $5. I’d get charged a fee if 40$. So now I’m 45 in the hole. Vs You he 5$ getting rejected. Then I can transfer money to correct it.

pissed off customer

8 months ago

Well today is my official payday with…

Well today is my official payday with my company and I have not been paid by Varo. There was no early pay out by the bank. Now I’m stuck unable to pay bills nor put gas in my vehicle. After contacting bank’s agent advised me to wait twenty fours. Wow I’m beyond blowed away. Do not open an account with them you will be truly sorry.

nic d

8 months ago

Varo is a horrible bank

Varo is a horrible bank. They took money from and account i transferred from and held the funds 7 days. They had the.money on day 2 and used the lie it takes 7 days to transfer. They are a waste of time . Try making a cash deposit and you pay $5 for that. Horrible bank

richard boltz

8 months ago

Do not use this bank I had 1600 hundred…

Do not use this bank I had 1600 hundred dollars taken from my account , I put in a dispute and they denied the claim I'm out 1600 hundred dollars because someone used venmo with my card , I don't have a venmo account t and I reported it fraud , they don't take care of the customer and they don't investigate , if they did and called venmo they would of found out I had no venmo account period never heard of it , they are not doing anything to help me get my mo ey from fraudulent activity then they locked me out of my account, they are garbage, nobody can even speak where you can understand them , they say appeal it, why appeal a decision you didn't investigate

robert leisen

8 months ago

Don’t do it!!!!!

Don’t do it!!!!!! If I could give them negative I would! They are solely responsible for destroying my credit! My credit score dropped 134points overnight because of how they reported it to the credit agencies and they are not assuming responsibility forcing me to take them to litigation! I tried there believe card which is a secured credit card because I’m building credit, and they have a feature called safe pay so you never have to worry about paying your bill. It deducts the money from your account immediately. I have never shut it off and they reported that I owed them a balance on my believe card so it dropped me from a 648 down to a 515! I can’t even get a damn cell phone in my name now!!! Just don’t do it!!!

christopher todd grace

8 months ago

Bank and Atm fraudulent

On Sept. 30 went to Walgreens All point Atm to withdraw $100, the Atm took my money and said thanks. I contacted Varo they said call All point Atm, I called All point Atm they said call Varo, this is the second time in one year Atm kept my money. I have decided to stick with Brick and Mortar bank, Varo is a digital bank that bears no responsibility for their customers, I am filing a complaint with FDIC to get my funds.

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