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Varo Money

Varo Money

www.varomoney.com
What is your customer experience with Varo Money?

Varo Money Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

AI insights based on reviews
Rating Distribution

Varo Money has a 1.7 star rating from 875 reviews; 14% would likely recommend. Consumers report dissatisfaction, frequent customer complaints, requests for refund, and concerns about fraud banking and reliability.

Key Takeaways for Future Customers

  • Varo Money reviews note the app is online and easy with early payday and no fees.
  • Be prepared for limited live support and potential account or login interruptions.

Negative Feedback / Risk Areas

  • Repeated login and access problems and suspended accounts.
  • Poor customer service availability, dispute handling, refund delays, and fraud reports.
  • Mobile deposit limits and account closures causing lost funds.

Positive Feedback

Users praise easy online setup, early payday access, and no-fee features.

View full overview ›

Media from reviews

Varo Money - Review in Banks category  from Fort Worth,  Texas
Varo Money - My 3 yrs bank account closed for reasonVaro Money - Get my refund check from varo bank it's been 2yr or 3 not sureVaro Money - Get my refund check from varo bank it's been 2yr or 3 not sure - Image 2Varo Money - Get my refund check from varo bank it's been 2yr or 3 not sure - Image 3Varo Money - Get my refund check from varo bank it's been 2yr or 3 not sure - Image 4Varo Money - Unlawful seizure of my money.
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Summer B Xwe
map-marker Tempe, Arizona

Cannot log in or change password PISSED

I cannot log into my account or change my password. Every time I try to change my password and send a code to my number, I put in the code, and it says, 'Sorry, contact support.' Please help!

Loss:
$22

Preferred solution: Full refund

View full review
Resolved
Mike J Sld

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Resolved: Canceled account after only 24 hours for no reason

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AI Highlights
  • Account canceled after 24 hours with no explanation.
  • Email gave no reasons.
  • Shared SSN, addresses, and other financial details.
Varo Money - Canceled account after only 24 hours for no reason
Updated by user Apr 14, 2026

Company fixed the issue and I have been provided with full refund. Varo sent me a bank check for the amount they owed me.

Don't even attempt to open a bank account with this company. They lie with promises of a high APR checking account, get your personal information i.e. SS number, address, linked bank accounts, and after making a large initial deposit, they cancel the account almost immediately with no reason given.

In my opinion, Varo is a scam bank designed to grab your personal info and kick you to the curb. STAY AWAY.

Updated by user Mar 29, 2026

Have not yet heard back from Varo but it has only been a few days since pissedconsumer.com alerted me that Varo has read my review. I have never taken a company to small claims court or filed a police report against a company but am seriously considering it if Varo does not either contact me through the contact links they already have on file, or return my $1000.00 immediately. I stand by my original assessment of Varo as being a fraud company.

Original review Mar 24, 2026
Canceled account after only 24 hours for no reason. Received an email informing me of their action but no explanation was given.

In the 24 hours that I had the account I initiated money transfers from banks and updated the new bank account with my various other accounts in order to link them all together. I feel like an idiot now that I have given Varo all the legal information such as SS number, addresses, and my other financial institutions personal information. I opened this account solely for the purpose of the high interest paid that Varo purportedly offered, nearly 4% annually. I feel as though I was suckered into creating this account by Varo for what reason I do not know.

Maybe they allowed me to create the account just to get my personal information like addresses and phone numbers so that they can now sell to other unscrupulous identities? I should have listened to that little voice in my head that told me if it sounds too good to be true it probably isn't.
Loss:
$1000
Pros:
  • Purported high apr
Cons:
  • Cancels accounts without explanation

Preferred solution: Apology

User's recommendation: Stay away from these fraudsters.

View full review
Joy Devie

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

My 3 yrs bank account closed for reason

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AI Highlights
  • Account closed without notice.
  • Locked out of the Varo app.
  • Loyal 3+ years; used for direct deposits and paying bills.
  • I describe the bank as inhumane.
Varo Money - My 3 yrs bank account closed for reason

My bank account has suddenly and without notice been closed! No explanation.

And I'm locked out of Varo Bank's app. For 3+ years I have been a loyal customer. I've utilized this virtual bank for my direct deposits and paying bills for nothing.

I also subscribed to Varo "Believe" to improve my credit yet my credit did not improve 1 point. Do not bank with these inhumane idiots.

Loss:
$100
Pros:
  • Virtual check deposit
Cons:
  • Varo app is the only access to account i formationn
  • Account is closed with no notice

Preferred solution: My account to remain open

View full review
Morris Y Hkr

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

MOBILE DEPOSIT

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AI Highlights
  • Mobile deposit limits and unclear guidance caused denials.
  • I was told to write 'for mobile deposit at Varo', which blocks transfers.

This ban is bull *** they put limits on mobile deposit and the instructions are BS because they didn't tell you what to do, but after a mobile deposit is submitted, they deny it and say write 'for mobile deposit at Varo' and now I can't deposit this check to my other bank because of what is written on the bank and the other bank will not accept it even if I cross it out and initial it. I've been with this bank for almost 5 years but now, I didn't think so, plus their customer support in the chat are people in [GEOGRAPHIC_DATA] country and phone too.

Cons:
  • Customer service is not very helpful
  • Better customer serive that listens

Preferred solution: The limitment on Mobile Deposit should be remove and better instructions on the mobile deposit

User's recommendation: Remove the limit

View full review
Elliette Jsy

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Fort Worth, Texas

Varo Money - Review in Banks category from Fort Worth, Texas

Varo Money - Review in Banks category  from Fort Worth,  Texas

Trying to figure out how to borrow some money from Vero. They say if I open up an account, I could borrow some money. So I'm trying to figure it out.

View full review
Richard F Icl

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Fort Worth, Texas

Get my refund check from varo bank it's been 2yr or 3 not sure

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AI Highlights
  • Varo Bank closed my account with a $1,223 balance.
  • A check was mailed to an address I don't live at.
  • Update my email to richardfavella24@***.com.
Varo Money - Get my refund check from varo bank it's been 2yr or 3 not sure
Varo Money - Get my refund check from varo bank it's been 2yr or 3 not sure - Image 2
Varo Money - Get my refund check from varo bank it's been 2yr or 3 not sure - Image 3
Varo Money - Get my refund check from varo bank it's been 2yr or 3 not sure - Image 4

Varo Bank closed my account. I had a balance on my account for $1,223.

I haven't received my check because y'all sent it to another address that I don't even live at. I don't know how y'all got that mailing address. My address is 134 Cheyenne, Apartment 3, San Antonio, TX, zip code 78207. I don't remember my email address on file.

Can y'all please update it? My new email address is richardfavella24@***.com. Thank you very much.

Any questions, call me at my phone number (210) 610-****. Richard Favella.

Loss:
$1223

Preferred solution: Full refund

View full review
Angela E Fym

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Kansas City, Missouri

I am trying to file a dispute. I call...

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I am trying to file a dispute. I call the number and I never get that option!

This is urgent. There is never anyone managing the live queue.

What the heck is going on? Someone has illegally taken money out of my account.

Loss:
$139
Pros:
  • Easy most of the time
Cons:
  • You can never reach anyone by phone

Preferred solution: I want them to reverse a charge

View full review
Britney H Awq

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Lancaster, South Carolina

Talk to someone

I need to talk to a live person. I am new; I just signed up, trying to borrow money, and it keeps going to the automatic system and not letting me talk to a live customer to speak to someone about what is going on.

View full review
Christopher S Prw

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Corpus Christi, Texas

Login issues

Cannot login to my account I would like to have the issue resolved my card ends in 4855 my name is Chrisgopher [PERSON_NAME]

I need help logging in or resetting my password

View full review
Britney H Awq

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Lancaster, South Carolina

To borrow money

I want to speak to live customer service representatives. I am new; I just signed up today and am trying to borrow money.

View full review
Darnesha Ltl

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Can’t get into Apple on phone and my card is locked

Trying to unlock my card but app is not working and cant get money off card to pay a bill that needs to be paid

View full review
Daniel C Ien

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Need to update number and lost card

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AI Highlights
  • I changed my phone number and lost my debit card; verification codes go to the old number.
  • Emails say to log in and chat; phone asks for last 4 digits.
Varo Money - Need to update number and lost card

Varo makes no sense. I changed my number and lost my debit card, so when I try to log in, I get a verification code sent to my old number.

I sent them various emails, and their reply was to log in and contact them via chat. How asinine is that? How can I log in if I don't get the verification code? Then when you call, the system wants the last 4 digits of the card number.

OMG! I'm attaching a screenshot of our email interaction.

Preferred solution: Access to my account

User's recommendation: Get a live agent or offer another method to receive the code like an email address!

View full review
Gary R Hvn
map-marker Carterville, Illinois

Varo has had me trying 8 times now to start an account

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Varo sucks. Tried to start account with a referral and have tried 7 times.

Being stopped at some point every time, til I got to the email verification today, but the email said my email is already associated with an account or application.

I now can't get a customer service rep by the support form or with a phone number. This is ridiculous.

Cons:
  • Everything from application to verification to customer support for errors in the process every time and then no way of getting ahold of anyone else to find out what is going on this deserves a bonus for the hours i have spent trying to just start and acc

User's recommendation: Don't even bother. I was using a referral that would have gotten each of us $150. And I needed a new bank I guess the bank for all of us or whatever is just a sham.

View full review
Ronald G Tsw

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Saint Louis, Missouri

Technical issues

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I'm trying to transfer money from my account at *** to my account at *** and I can't seem to get it done why

View full review
Christopher V Pfz
map-marker Dallas, Texas

Money being released

Updated by user May 16, 2026

I haven't had a good experience with varo customer service

Original review May 08, 2026

So a payment was taken from my PayPal for $150 to some company I never heard of, and I got them to refund it, but y'all haven't released it. This has been going on for about 6 months, and they are about to close my PayPal because of my negative balance.

Loss:
$150

Preferred solution: Full refund

View full review
Anonymous
map-marker Portland, Oregon

Horrible robot bank cant get answers have to pay $5 for chat

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allow humans for customer service some questions are not addressed by AI not for those who are not tech savvy total waste of my time when asked for details of purchases got a bunch of gibberish then message that phone service not avaluble tried app with no luck

User's recommendation: dont waste ur time unless u r up with latest AI communication and never have issues

View full review

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