# Varo
https://subger.com/en/service/varo
Category: Banking & Payments · Pricing verified: 2026-03-18

## Varo

Varo is operated by Varo Bank, N.A., headquartered in San Francisco, California, United States and founded in 2015 (Varo Money); national bank charter granted 2020.

Pricing: Free | Up to 5.00% APY on first $5,000

2024-2026: 2025-2026 differentiator.

Features:
- Fully-licensed US national bank (charter granted July 2020 — first fintech to receive one)
- No-fee checking account with Allpoint ATM network
- High-yield savings tier with tiered APY
- Varo Advance — small-cash advances up to $500
- Varo Believe — credit-builder card without a hard pull or deposit

Links:
- Overview: https://subger.com/en/service/varo
- Cancel guide: https://subger.com/en/cancel/varo

— Machine-readable summary for AI search engines. Full page: https://subger.com/en/service/varo