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Varo Believe Review
Reviews 2,480
Varo Believe
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Varo Believe
Varo Believe
Great
Reviews 2,480
Michael Graw
Nov. 07, 2022
2 min read
Michael Graw
Varo Believe summary
The Varo Believe card offers a unique way to safely build credit. You choose how much money to add from your bank account to set how much you can spend on the card. Varo reports payment activity to the credit bureaus each month to help build your credit, and you can track your score in the Varo app. Best of all, applying for the card won’t impact your credit score and no security deposit is required.
Pros
  • No minimum security deposit required
  • No annual fee, interest, or APR
Cons
  • Doesn't offer any rewards
  • Spending limit is dependent on the amount added to your account

Varo Believe at a glance

4.8
Editorial score

Fees

No fees
5.0

Eligibility (credit score)

Accepts all credit types
5.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0

Customer service

Multiple communication options, wide range of hours
4.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features
5.0

Varo Believe Varo Believe Apply Now

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. 

Annual Fee
None
Interest Rate
None

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

To be eligible to apply for the Varo Believe Card, you need to have received either 1 qualifying direct deposit of $1000 or more in the past 28 days or 2+ qualifying direct deposits totaling $1000 in the past 90 days to your Varo Bank Account. Direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Venmo) are not considered a direct deposit. Funds deposited using a Varo Money routing number are not considered a direct deposit.

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.

Disclaimers

* Customers who had an existing credit score showed an average score increase of approximately 40 points after three months of having Varo Believe and no late payments on their credit. Individual results may vary.

Some customers may not see an increase, but customers with bad or thin credit histories are likely to see the biggest positive impact on their score from using Varo Believe and making consistent on-time payments.

Score increase is based on the VantageScore 3.0, a credit score alternative to the FICO score. VantageScore and FICO use different models and weigh factors differently when determining a credit score.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about Varo Believe
Varo Believe
Great
Reviews 2,480
on
Excellent
77%
Great
5%
Average
1%
Poor
1%
Bad
16%
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t.w.
a month 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..
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shotta boy
20 hours ago
Varo doesn’t post your direct deposit…
Varo doesn’t post your direct deposit sometimes
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meagan hodny
6 days 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.
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bryan hughes
8 days 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.
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lisa mays
16 days 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 !!
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nicholas searles
18 days 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.
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tara foerster
19 days 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
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kl allen
25 days 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.
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blessed lynn
a month 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 .
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richard d edmiston
a month 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!!
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customer
a month 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.
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afirash or tolasa fufa
a month ago
Poor people for help
My experience but iWork full time
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king asset player
a month 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.
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erick matallana
a month 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
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erick matallana
a month 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
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faith christine kelderhouse
a month 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!
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wael
2 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
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ashley
2 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.
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tom weber
2 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 !!!
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suzan
2 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!
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danielle lyons
2 months ago
Mobile deposit takes ten days
Mobile deposit takes ten days. No thanks. That's just too long...
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jason norwood
2 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
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mr. t
2 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!
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kristin reynolds
2 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.
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nina
2 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!!
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dara chhun
2 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.
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kelly chan
2 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.
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aronka
2 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.
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steven hodges
2 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.
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marcus williams
3 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.
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steven hodges
3 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.
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lamechellee robinson
3 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!!!
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nikki thomas
3 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.
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missy beers
3 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
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ripped off
3 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.
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josh schweigert
3 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?
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chuck arnone
3 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!!!!!!
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destiny h
3 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.
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charletta beasley
3 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
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andres molina
4 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.
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theomgbrand
4 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.
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gary walling
4 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
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eric dodge
4 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.
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pissed off customer
4 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.
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nic d
4 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
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richard boltz
4 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
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robert leisen
4 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!!!
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christopher todd grace
4 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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donna c
4 months ago
This is the worst bank experience ever
I have been banking with Varo for a minute and suddenly this week every purchase i make is charging my account twice. I spent 4 hours on the phone fixing what could be fixed and was told i had to file a dispute. why should I have to wait for money back that they took out incorrectly. However I let that go to wake up the next day with the money they reversed taken out again, To have one of their employees tell me I have to have documents to reverse the charges. How is that even possible when you can look at my account and see the issues at hand. I asked for her name and employee information as well as corporate information and she refused to give it to me. Now all the sudden I'm locked out of my account. What kind of bank is this?????
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unknown
4 months ago
I was at 5 stars and will bu.o my…
I was at 5 stars and will change my review to 5 stars if they fix the issue. So they took my money off my card for each purchase then moved my purchases to pending. No big deal then all of a sudden I noticed all my money was gone. They charged me twice for the same purchases...
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abbie toto
5 months ago
Varo Money is a Fraud and Closes Your Account Fast
They are scammers I signed up for a Varo account on December 11, 2019 so it's been a long and frustrating battle with these folks but to start, they stole $50 from me and I have no access to my money in my Varo account as they closed it and their phone support takes OVER 1 hour to respond. I waited that long for a human to answer the phone and when they did, all they said was to go to email support SMH I have over 9 emails from them all in the same email I sent with the same subject about this problem. They are so incompetent and lazy that I doubt anyone will use Varo for serious reasons. I am locked out of my account and I have the proof in my emails that I verified myself with them. The reason I couldn't log in at first was because I changed my phone number as the last one I had got stolen by criminals. I already sent them my passport, my ID and my request to update my phone number on 12/31/2020. Shortly after I did that they decided to lock me out of my account. I emailed them inquiring about this but my "account" was still open. Of course, because it was a year and their customer service agents are slow it was on 4/8/21 when I decided to try again. And I got the same sloppy response "We would be happy to help you update your phone number! In order to complete your request, we'll need a photo of an identification document along with a photo of you holding your valid identification. Once you’ve taken those photos, you can securely upload these documents by visiting https:// www.varomoney. com/documents." Okay, so you send me this and after I send my driver's license and important information you scam me and close my account. Wow. They closed my account on 5/10/21. I will never see that $50 again and Varo money is a scam. Poor excuse for a bank. I know that my account is there because when I just recently tried to make a PayPal transaction, Varo says this: Hey Kevin, A payment to PAYPAL on 2022-03-21 wasn't completed for the following reason: R01 - insufficient funds. Please reach out to PAYPAL to arrange another way to pay. If you didn't request a payment, call us at 1-800-827-6526 and we’ll get to the bottom of it. Don't trust them and please don't waste your time like I did. I'm going to call the police about this matter
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alicia mckinney
5 months ago
I was lured into opening a Varo account…
I was lured into opening a Varo account promising a 50.00 referral bonus. I referred someone and they opened an account and spent the required 20.00 to qualify for the 50.00 bonus and it had been 3 weeks and Varo still hasn’t credit my account nor the person’s account that I referred. I have reached out to them everyday for almost a week and am getting the run around. This is not a reputable bank. Bank anywhere else.
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mali solorzano
5 months ago
Checks on hold
WORST BANK EVER . THEY ALWAYS PUT 7 DAY HOLDS ON CHECKS YOU DEPOSIT. DO NOT BANK HERE. THEY ARE NOT HELPFUL OR PROFESSIONAL.
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mark bowman
5 months ago
HUGE trouble accessing your money
STEAR VERY CLEAR of this bank if you want any kind of access to your money. One of the worst banking experiences ever. Trying to close on a house using money in my Varo Savings. They have a $5000/day $7500/wk $10,000/month transfer limit. Hard move move 20k for closing costs when you have to wait 2 months to do it. After calling customer service they made me jump through a ton of hoops to increase my limit. I need access to that money immediately and after 5 days of calls, sending forms and waiting, they did not change the limit a dime. I had the same issue I had a week prior. We are now at risk of losing our house deal because we do not have access to our funds. Their solution to fix this is using paypal, or going to the ATM and taking out $250 at a time with a $1000, limit per day (2 days of ATM withdrawals) or using western union to send yourself money at their limits every day until you have your money...what kind of hockie-a$$ bank is this!!??
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robert
5 months ago
Varo cancelled my debit card and I'm…
Varo cancelled my debit card and I'm suppose to get a new one Sept 19. I asked them if I would have a problem getting my 2 pay checks out that hit 2 days after they cancelled my debit card. No problem they say. I was unable to get my money out so I asked for them to send it Western Union to me. This was 10am eastern time on Friday. They wait till 430pm on Friday to tell me they denied my request to have it sent Western Union. So here it is 11pm on Friday night still unable to get to my money. I lost my motel room ,now I'm on the streets. Everyone knows you need money to eat. I've had a Pepsi all day. I haven't ate anything. These are the most heartless people I e ever dealt with.
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negrita vincent
5 months ago
SO I HAVE 4 PAY CHECKS COMING IN MY…
SO I HAVE 4 PAY CHECKS COMING IN MY ACCT WITCH ITS TELLING ME TO GO GET ANOTHER ACCT DO TO I BORROW 100 LAST TIME AND NOW AFTER THE 100 I BORROW THEY WENT DOWN TO 75 and I paid on time if u need a manager it will be 48 hours later to talk to them and they have to call u back poor customer service THE APP ITS TRASH AND I REGRET GETTING WITH THEM
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caitlin
5 months ago
Waste of Time, Their Rude
I tried to set up a bank because I was able to get a free $50 to use in my account, and I've been looking to get a new bank that has 0 fees. When I entered in my basic information, like my name, email, and phone number, it took me to the next page and it said I didn't qualify. How don't I qualify? I didn't get a application to fill out either. And when I tried to call they wouldn't let me make a request since I wasn't apart of the bank. So I had to send an email, which I sent like 5 of them to get help for this issue. Finally someone reached to me and talked to me about some technology system they use that helps them verify people to use their bank. Ok, but still why was I rejected? Then they told me my information I used was false. How was it false? You have my name clear and my email there, even my phone number was obviously legit since I had to use it to verify a sign in log in. That makes 0 sense. Don't work with this bank, their rude and stupid.
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jw
5 months ago
Varo Bank is trash
Varo Bank is trash ! They misspelled my last name on my account, which includes on the debit card that they mailed me. To correct THEIR mistake the 1 star rated customer service insisted I send a photo id, which would be the same id I use to open the account in the first place. A top tier bank would never make that mistake, and if they did they would acknowledge their mistake and correct it immediately. And this is just one of many mistakes I encountered. DO NOT OPEN A ACCOUNT WITH VARO BANK. IF YOU HAVE AN ACCOUNT WITH VARO BANK WITHDRAW ALL FUNDS AND CLOSE IT IMMEDIATELY !
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lauren lament
5 months ago
Don't Do It
I was initially happy to find Varo. It was quick and easy when I couldn't get an account elsewhere due to some financial problems. Fast forward almost 2 years, my husband and I buy a couple businesses, I have lots of money coming in and some coming out (I never overdrafted and there was always at least $1,500 in my account at all times). I get an email today without any prior contact that they have closed my checking and savings account (my savings account only saw $280 going in each week to budget for rent and once a month paid the rent via ACH) and that I'll get a check of what was in my account in 14 days. Can't access the app anymore to print out my statements or ANYTHING. Called customer service who directed me to email support and I got what other people have said "We don't give specific reasonings but after examining your account yada yada what the heck..." If there was too much money movement (as that's the only thing I can think of) they should have reached out and I could have given the simple explanation. I gave it 3 stars since I never had any other issues beyond the inexplicable 10 day hold for checks.
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danny falconer
5 months ago
F them
They are ok, until they are not. If you want to stop payments or have a new card. Even withdraw more due to life troubles. Forget it. If they have to lift a finger they will put you on hold for hours. If you want to stop a subscription service they will freeze your account. The most incompetent bank in the world.
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mk
5 months ago
Varo bank is the worst to deal with
Varo bank is the worst to deal with. They closed my account without notice or explanation. I had the account opened for about 25 days and funded it with 4 different deposits from my Chase checking account, all went through with no problem. I had $2600 in there and have done nothing to arouse any sort of suspicion that should cause them to suddenly close my accounts. When I asked for an explanation, they refused to provide one, only saying I will receive a check within 14 days to my mailing address. At this point I am glad they closed my account as I have no desire to do business with them anymore. I was looking for a place to park $40,000 so it's their loss. WORST BANKING EXPERIENCE EVER!
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laura martel
5 months ago
Same as most: Lousy customer service
Same as many on here, the overseas customer service is horrible. They should give the jobs to folks here. I have spent hours trying to fund my new account! I wanted to direct deposit my social security checks with them, but am now afraid to. I'll be on a vacation abroad when the money is due, and I'll be royally messed up if the money is not deposited timely, or released to me timely.
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alexandra keys
6 months ago
WORST BANK EVER!!!!!
WORST BANK EVER!!!!!
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eddiea mcmillan
6 months ago
My card is negative $298 because a…
My card is negative $298 because a corrupt hotel wrongfully charged my card. Which they admitted to doing. So I’m already getting screwed by the hotel. But I expected my bank to keep things like this from happening. Varo doesn’t have overdraft no way my card should even been allowed to go in the negatives. Now I have to wait 30 days to get a decision on rather or not I will get my money back and be able to use my card and it’s causing a bunch of stress. Definitely don’t recommend.
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joanna zenchak
6 months ago
Varo let you deposit a check and hold…
Varo let you deposit a check and hold it hostage for 2 weeks without proper warning. Even though it will say accepted via their email, they will still hold it up to 10 business days without proper explanation. They will not even allow one to cancel the deposit stating that it has been accepted therefore they can't stop it but yet cannot release the funds. My check was from a company that works for Home Depot so obviously it is legitimate. All they would have to do is do a quick check but instead they just stick to policy and hold it for 10 business days. Their limit at first, is only $500 a week in deposits. What type of person who only makes $500 a week roughly is able to wait 10 business days for their funds to clear? Rip off! Complete malarkey! Hijacking then holding hostage one's funds! In this day and age with inflation out of control they could care less!
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murry mosely
6 months ago
Varo is not a secure bank you want to…
Varo is not a secure bank you want to deal with. I’ve bragged on this bank for a month and recommend people. Then the minute I’m done bragging they close my account with thousands of dollars in it with no explanation. Then when I call I’m told “ you have to wait on an email and unfortunately your account is closed and can’t be reopen. Then I continue to ask what about my money and they hang up . I called two more times to Varo stressing the situation trying to get an answer on why they closed account when there was no suspicious activity and still the same results. You will do better to get a real bank u can walk in and talk to someone and get your money otherwise you will stress the freak out trying to get your money especially if u have all your money in Varo account .
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kara king
6 months ago
Horrible experience, do NOT use this bank
They cancelled my bank account without explanation and when I called to inquire about why, the customer service rep said there was no reason listed and that they are just allowed to terminate the account whenever they wanted to. He couldn't have cared less about the predicament and did nothing to help me. That was my only bank account so I went 2 weeks (my next paycheck) without access to my money. At least give someone a chance to withdraw their funds from their account before you royally screw them financially. I have an 8 month old so thank God I have a man who also works or we would've been in some real trouble. It took THREE WEEKS for me to receive the check with the funds from my bank account. I have never had such a horrible experience with a bank before. Absolutely unacceptable. I really hope someone from Varo sees this and tries to make a change. Just because you can terminate someone's account whenever you want, doesn't mean you should! I hate to imagine the amount of people that have been inconvenienced by this. If this reaches you and you are considering Varo, don't do it. It's not worth it.
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rosemarie chostler
6 months ago
Don't use mobile deposit
I live in Colorado and I deposited a small ($32) refund check from the State of Colorado Treasury Department using mobile deposit on August 1, 2022. The next day I received a confirmation email from Vero bank saying my check was approved and the funds would be available on August 11th! Why would it take nearly 2 weeks for a government check (not a personal check) under $50 to clear? I will never use their mobile deposit again!
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jim hamman
6 months ago
Varo canceled my account without explanation!
I set up my Varo account but never received an ATM card. When I contacted customer service, they said I had to have mail delivered to a street address. I explained that I live on a rural mail route, so my mail is delivered at the local Post Office. They said I had to provide a letter to that effect from the postmaster, which I promptly did. They also insisted that I provide a photo of my passport, which I also did. They said they sent me a card, and the next day they cancelled my account without explanation. I will never do business with Varo again. Charles Schwab is a much better banking partner!
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amanda lynn
6 months ago
If I could give 0 stars I would they…
If I could give 0 stars I would they allow people and business to steal my money an don't give it back they said send proof an I sent the recite an that wasn't good enough. So how the heck do I show proof? Super confused, Its clear as day an they can even see on there end what was coming and going. If they don't allow A recite to prove what was taking out then what am I post to send then? The representatives an Managers have no idea what there talking about like more then clueless. Can't even do simple math. Sucks run away find another bank you'll be happier there. I promise!!!! RUN GO!
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linda h
6 months ago
My son needed money in a hurry and he…
My son needed money in a hurry and he lives across the country from me so I said I would try Varo since his girlfriend has an account with them. Big mistake. I could have mailed them a check and it would have been cashed before Varo released the money I transferred directly from my bank. Terrible customer service as well. Stay away from this company.
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jermaine mikell
6 months ago
Varo is a joke don’t recommend for…
Varo is a joke don’t recommend for anyone to use them they rip you off
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lashae mathis-thomas
6 months ago
This is the worst bank I ever had..I…
This is the worst bank I ever had..I had two dispute transactions and they put 3 transactions since June 27 and supposed to get a credit on July 13 and get nothing no email and told me end of the day about 5 and heard nothing..but the 3rd one I didn't dispute I already have a credit for and have a police report and still denied 4 time and screenshot and email them smh and my card was stolen and had the mechanics wrote a letter also gave varo bank their numbers..this bank need to sued putting $1350.50 instead of $687.75 and can lie very quick.. That y I left varo bank and Im disabled and get SSI...God don't like ugly...To everyone do not use varo bank..they can lie and keeping people who work hard or disability people money... straight up scammers.i won't even let my family come here...fake bank!!!
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amanda biscarner
6 months ago
Terrible Customer Service. Worst online bank ive used.
Mobile deposits take up to 3 days or more to post. Their customer service is a complete joke. Go to Chime instead.
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clay
7 months ago
This is not a good company - Awful support
This is not a good company. They do not honor their savings account rates even after you jump through all the hoops to get their 5% rate. I have never dealt with a more incompetent support team. It feels like their team might not have basic reading comprehension skills. It has been such a waste of time trying to get someone to read and understand what I am writing. Chime is a much better alternative than this sad company. Support is crucial for Fintechs - Varo does not seem to understand
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ellie stafford
7 months ago
This has got to be the worst bank ever…
This has got to be the worst bank ever after having my wallet my iPad and my phone stolen two of my accounts were empty there were charges in the amount of $396 to bar Bank an authorized by me I did not have my card even in my possession because it was stolen with my Other property. I present a police report and witness statements and they still refused to give me back my $396 not to mention they even sent a card to Oklahoma when I am in Buchanan dam Texas I will never uses bank again and I suggest you do not either
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gianni molluso
7 months ago
Corrupt
If I could give a zero I would. This is the worst Company I've ever dealt with. The Customer Service is completely incompetent and I had to call the BBB on them because all they do is lie. Don't ever trust this Company
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gretchen johnson
7 months ago
Absolutely worst customer service…
Absolutely worst customer service I've ever encountered. They do not help you with anything they do not cross transactions through in any timely manner. when you call customer service all you get is this is the policy and that's that.
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sarah g
7 months ago
Avoid Varo if you use checks
This institution is only good for electronic transactions. They're garbage with everything else. Their check holds are excessively long and they will not release your funds early even if there's an emergency. Go literally anywhere else because I've yet to see another institution with check holds for established customer as long as Varo has. Most places even have shorter holds for brand new customers! Check deposited the 2nd, funds not available until the 14th. I have bills DUE on the 11th. -Online chat rep said they couldn't even look into it, that I had to email and can't get to the correct department from phone. -Emails aren't addressed in a timely manner. Their auto response says to expect a response in approximately 24 hours. It's been over 48 now with no response. -Social media support says to wait for an email. -Telephone rep was nice, but couldn't do anything at all. This institution doesn't care about you. They exist to take your money and screw you over.
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john moody
7 months ago
Banking with Varo…
I've nothing but had a great experience with Varo Bank. Get paid 2 days early and can get a loan with Varo Money and direct deposit. I recommend this bank to everyone.
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denise alston
7 months ago
Denise Alston
Denise Alston
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exvarobankcustomer
7 months ago
I do not recommend Varo
I am disappointed with Varo Bank. Initially, I was enthused about their scrappy beginnings as an online bank. However, despite my holding a Varo account (without problems) for almost two years, Varo closed my account shortly AFTER I made a fairly sizeable monetary transfer. Fortunately, I was able to get my money back - but I believe that I was lucky. Please let me warn others - Varo is not to be trusted. I recommend other major players - such as American Express and Ally Bank - who are more trustworthy, offer better customer service, and have better policies.
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michelle
7 months ago
Fraud within one month of depositing money
Within one month of depositing money in my Varo savings account, there was a fraudulent charge that was not authorized. I don't even know how it happened, but Varo deemed that it was not fraud. I am trying to reopen this dispute, but am not getting any help. Stay far away from this bank. They are looking for ways to take your money - read this article "Varo Bank could run out of funds by year-end, filing shows".
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c.
7 months ago
One of the worst online banking…
One of the worst online banking experiences I have had. They are continuing to hold funds that a merchant has already released. Even after turning in two receipts with final charges, they still won't take the hold off of my money.
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ex customer mr. wakley
8 months ago
Customer Service Non existent made nervous to put or leave money with them.
I had a dispute for a charge made to my account that was unauthorized by me and the customer service was to put it nicely, it was by far the worst I have ever encountered at or through any bank or finance institution. Even worse than PayPal. And weeks later still have no access to my money sitting in my account. To put the icing on the cake I had just days before referred a customer of mine to sign up the my referral link. We were each supposed to receive $50 after she loaded and spent twenty dollars. So it'd be as if the sports cards purchased would be free and she'd actually make money by purchasing cards for her son. Now varo says 5 to 7 days for the $50 to be credited. So two weeks pass and nothing I contact customer service through the varo mobile app and explained that I know without a doubt that the refferal was complete as I was the one whom received the $20 payment made from my customers varo account which was opened using my link. And asked why we hadn't been credited the $50 as advertised. They reply that I'd been credited $20 a week ago but this was the $20 disputed on the unauthorized charge to my account. So I clear that up and ask about the $50 credit for the referral program. Response was "I'm here to help" I said wait a minute are you a robot? Response was. "Is there anything else I can help with" followed by "I would love to show you how to link an external account through the varo app. Flat out the worst customer service I've ever gotten from a place that is supposed to be protecting and assisting with your money not scamming and interfering. Anyway I give the bank a -4 stars yep a minus 4 star and I won't refer anyone again in fact as soon as they hold up their end I'm closing my account and will recommend to all my customers to use any bank but varo. Customer service is key especially when there is money involved. Too many banking options to be inattentive to your customers needs cause there is a hundred other banks waiting to snatch up your client at the touch of a button. The service put this customer in reverse. #BOOVAROBOO
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lena boss
8 months ago
I thought it was a good card
I thought it was a good card. Left for vacation used my Varo Believe card (credit card) to place holding deposit on May 29th,2022. Checked out of hotel settled account and still waiting for my holding deposit to release. With Chime my holding deposit was released immediately and I'm notified. With Varo I'm now going on 10 days and money still on hold. Nick the floor supervisor lied to me had first customer service rep that my funds would released next day after telling me there's nothing he could do. When I called back next day as he told me too he denied telling me my funds would be released. He became rude and argumentive. Started saying he didn't know when my money would release. What bank rep you in now don't know federal law on holding deposits in a financial institution. all claims are to go to the OCC Website to file claim helpwithmybank .org It is the fastest way to get action. Have screen shot saved and or be able to uploaded your supporting documents.
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rosas pa
8 months ago
It's another Debit Card that reports to…
It's another Debit Card that reports to the credit bureaus "could take time" -Varo. Varo Representatives can't even explain how the Stupid debit Card works. Waist of time, effort and resources. Get Real Varo.
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anonymous
8 months ago
Customer service is nonexistent
Customer service is nonexistent. It’s literally impossible to talk to a live person. Takes 24 hours for an emailed response and their phone automated system is trash
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manella brown
8 months ago
Wrost bank I ever bank with this the…
Wrost bank I ever bank with this the second time they have locked my card or suspended my account for no reason I have hundreds of dollars in my account I will no longer be using them switched some where else
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eric j.
8 months ago
If I could give 0 stars I would
If I could give 0 stars I would. They locked my account with no notice, no digital card because I sent a email asking about a transaction with thousands of dollars in the account. Never even tried to contact me and locked it at 6pm so I couldn't speak to anyone at Varo about overnight with 3 kids. A baby needing formula, the 8th of the month with rent due and I didn't know it was locked until I got to the register to buy dinner for my family. I'll be closing my account , I'd recommend chime. Worst banking experience I've ever had.
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thoma kio
7 months ago
Absolutely
Absolutely! You can reach Varo Customer Service by sending an email to [email protected] or by calling 1-706-441-2866. Our call center is open Monday to Friday, 8 am to 9 pm Eastern Time and Saturday to Sunday, 11 am to 7 pm Eastern Time 706-441-2866 excluding federal holidays).
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bob stone
8 months ago
Trash trash TRASH… ZERO STARS!!!
Trash trash trash they are asking FOR something that don’t exist don’t waste your time in opening an account these people don’t even care they have hung up on me they’ve called a lier WORSTE BANK ON THE PLANTE Very unprofessional!!!!!! As soon as I’m able to get my check or find out where it is I’m closing the app hopefully BBB closes them down
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yoda
8 months ago
Horrible Support
My money was stolen from my account and I filed a dispute with Varo. I thought my money was safe. I told them what happened I filed a dispute and they denied it right away. I filed 2 appeals and the third one they took so long longer than the 10 days they said. After that dispute they closed my account. I seen several reviews and stories of varo not helping people when they file a dispute. These banks will work hard to get their money back (credit cards or such) but if you file a dispute they won’t help. Their dispute department didn’t even have phone support!! Sometimes things are misunderstood with all of these emails communications. I do not recommend this bank at all.
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mr. p
8 months ago
ZERO CUSTOMER SUPPORT & 5% IS A LIE!!, Avoid at ALL COSTS
Awful/nonexistent customer service. I satisfied all the requirements for 5% interest and am not getting it. There is nobody to talk to. It's as if this has been done by design. They advertise with Nerdwallet and others to get great reviews, but have no way of supporting their customers. As I write this I am STILL on hold 30+ minutes. I haven't gotten a response from the chat either. Avoid at all costs. There are much better/safer places to put my money. They are the epitome of what is wrong with banking today: the lack of personal support with lots of pomp and advertising fluff.
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andrew yanes
8 months ago
This bank is not a good bank this bank…
This bank is not a good bank this bank is wrong and they’re not good at all these employees do not care about you Because they’re making me wait for 90 days or longer this bank is crooked this bank is not right and after I get my money back I will be deleting this account I wanna have this bank no more
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carlos morales
8 months ago
The reason I’m giving them a 1 star is…
The reason I’m giving them a 1 star is because one day I had $546 and the next day I had $54 then 6 days later I had $454 and I was in a different country and I could not leave back home because of this. It pissed me off!
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frances ramirez
8 months ago
Account
I am certainly pleased with the Varo app. It is really easy to maintain and efficient.
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jasmine rahier
8 months ago
I love this bank
I love this bank! I get my check days earlier than everyone else
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sean harkins
8 months ago
gtreat bank with an almost ssemless…
great bank with an almost ssemless application. 4 or 5 years i've been with these guys,and never have i had an issue with my money.
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steven guerrero
8 months ago
I'm always on the go,so keeping a…
I'm always on the go,so keeping a password handy hasn't always been my thing ,but varos customer service has always been patient and very helpful at keeping me connected.thank you varo