Skip to content
  • Login
Varo Money

Varo Money

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

Varo Money Overview

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

  • Varo Money has 1.7 star rating based on 1010 customer reviews. Consumers are mostly dissatisfied.

  • 14% of users would likely recommend Varo Money to a friend or colleague.

  • Rating Distribution
  • Pros: It was online and easy, Early payday, No fees.
    Cons: No way to communicate with someone, Customer service, Fraud banking.

View full overview ›

Media from reviews

Varo Money - No life person to solve my issue money loss not very helpful
Varo Money - To lay complainVaro Money - Unable to activate cardVaro Money - Money not dispensed at atmVaro Money - We never did receive the moneyVaro Money - Dispute transactionVaro Money - Dispute transaction - Image 2
View all media ›

Top Varo Money Reviews

Positive Review

"Need to speak to a customer service"

stars-rating stars-rating stars-rating stars-rating stars-rating

I need assistance with someone regarding my card. Call me 424-246-**** thank you who are your assistance?

Critical Review

"No life person to solve my issue money loss not very helpful"

stars-rating stars-rating stars-rating stars-rating stars-rating

My friend sent me money that's supposed to be attached to my cousin's phone number that I'm using, and it takes me to an app to fill out and get approved for...

Show reviews that mention
account money varo card bank phone access number customer service
Filter review
Sort by
Jeremy L Hdf

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

No life person to solve my issue money loss not very helpful

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Varo Money - No life person to solve my issue money loss not very helpful

My friend sent me money that's supposed to be attached to my cousin's phone number that I'm using, and it takes me to an app to fill out and get approved for online banking, and I keep getting denied. She says there's no way for her to get her money.

View full review
Loss:
$20

Preferred solution: Deliver product or service ordered

User's recommendation: Have somebody knows what they're doing do it for you or who has experience

Quanah E

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

Money not dispensed at atm

Varo Money - Money not dispensed at atm
Updated by user Apr 27, 2025

There is no varo customer service. It is all automated

Original review Apr 22, 2025
On Feb 27, 2025, I attempted to withdraw $100 from an out-of-network ATM. The money was not dispensed but was taken out of my account anyway. I contacted someone at the hotel/casino where the ATM is located immediately, and they looked at the ATM logs, and it said the transaction was reversed. Next, I contacted Varo and was instructed to file a dispute, which I did, and my claim was denied. My problem is there is no dispute, no merchant to dispute this with, only Varo. $100 was removed from my account even though the transaction was reversed and the money was never dispensed. No dispute; that is what happened. This has happened one other time, a long time ago, back when your customers could actually speak with someone in customer service, and that matter was handled promptly. This matter took place on Feb 27, 2025. In my app, it says the transaction was completed. But the money was not dispensed. I need this money. I needed it on Feb 27th and every single day since. Can you please resolve this matter?
ATM30271OKLCCCHISW
QUANAH ESCALERA
06/26/1979
LAST 4 OF CARD: 3704 Varo Believe
View full review
Loss:
$104
Cons:
  • This has happened twice now

Preferred solution: Full refund

Jannice Zzf
map-marker Atlanta, Georgia

Unable to activate card

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Varo Money - Unable to activate card

Unable to Activate card using this website therefore I am not able to use the card and I am unable to give a valuable rating

View full review

User's recommendation: Have heart for goals

Leslie J Gxh

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 Atlanta, Georgia

Fees are ridiculous

Hi Varo Bank Support Team -

I noticed several fees on my Varo Bank account that I would like to ask for a refund on. I have been a loyal customer of Varo Bank and hope to continue, but these fees are becoming really frustrating...

Especially when there are now so many fee-free banks and its been such a tough year!

Can I get a refund on the $164.50 from my transactions below? Texaco - 05/09/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 05/09/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 05/09/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 05/07/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 05/05/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 04/26/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 30 CAVENDER CREEK RD, DAHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 04/11/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 04/11/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/29/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 03/29/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/26/2025 - $3.5 Out of Network ATM fee PAI ISO 41 BIG HORN LANE, DAWSONVILLE - 03/22/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 03/19/2025 - $3.5 Out of Network ATM fee 2261 OAK GROVE ROAD, DAHLONEGA - 03/16/2025 - $3.5 Out of Network ATM fee 2261 OAK GROVE ROAD, DAHLONEGA - 03/16/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 03/16/2025 - $3.5 Out of Network ATM fee 30 CAVENDER CREEK RD, DAHLONEGA - 03/14/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/07/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/07/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 03/05/2025 - $3.5 Texaco - 02/25/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 02/25/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 02/25/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 02/25/2025 - $3.5 Walmart - 02/24/2025 - $3.5 Out of Network ATM fee Wells Fargo Ban 312 E MAIN ST, DAHLONEGA - 02/24/2025 - $3.5 Walmart - 02/24/2025 - $3.5 Walmart - 02/24/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 02/05/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 02/04/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 02/04/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 01/16/2025 - $3.5 Out of Network ATM fee PAI ISO 462 GROVE ST NORTH, DAHLONEGA - 12/27/2024 - $3.5 Walmart - 12/26/2024 - $3.5 Walmart - 12/26/2024 - $3.5 Texaco - 12/24/2024 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 12/20/2024 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 12/20/2024 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 12/06/2024 - $3.5 Out of Network ATM fee 30 CAVENDER CREEK RD, DAHLONEGA - 12/06/2024 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 12/06/2024 - $3.5 Out of Network ATM fee BRANCH BANKING 148 MEMORIAL DR, DAHLONEGA - 11/28/2024 - $3.5 Texaco - 09/29/2024 - $3.5

Thanks a ton,

Leslie

View full review
1 comment
Guest

Why did you not verify fee-free ATMs before signing with Varo? And why did you not check after being charged the first $3.50?

Resolved
Charlene B Oll

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: I Want My Card Back

Varo Money - I Want My Card Back
Updated by user Mar 14, 2025

I Sorry For What Happened I Hope It Never Happens Again I Am So Sorry

Updated by user Mar 14, 2025

Company fixed the issue and I have been provided with apology.

Original review Mar 14, 2025

I was with Varo and they took me off. I didn't do anything wrong.

Somebody *** into my account and it wasn't me. That was what happened.

I don't know anything else. I was hacked.

View full review
Pros:
  • Keep my identity safe
  • And my account safe
  • To help me
Cons:
  • Somebody hacking my imformation using my identity

Preferred solution: Nothing Just Get Me Back With The Varo Card

User's recommendation: What Is That

Ida R Lfx

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

To make aware how horrible this bank is!

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Varo Money - To make aware how horrible this bank is!
Varo Money - To make aware how horrible this bank is! - Image 2
Original review updated Feb 25, 2025

This is a horrible bank! They will steal money from you and they are horrible they have no live customer service in case you need to all urgently. They have a stupie app with a robotic answering questions that is not fully answers they will hold your money .this bank is not reablie.thry steal money for only to lend you your own money.

View full review
Loss:
$1

Preferred solution: I want my SSI money that was promise to be pay early just like they said feb24 cause I made plans I couldn't keep i have bills I promise to pay . I want them to do the math correctly and pay me I only borrow $100.

User's recommendation: Please do not deal with them SSA don't give a *** either because they go by the first of the month but the bank policy as they so claim suppose to be pay you early false !!!!!!!!!

Keya V

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 Marble Falls, Texas

Thanks POd consumer

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Varo Money - Thanks POd consumer
Varo Money - Thanks POd consumer - Image 2
Updated by user Feb 21, 2025

They sent me an email with no actual information to contact them. I am not installing the app because I should not have to in order to close the account.

Completely. The app is for people who have accounts and intend on being customers. I'm not installing anything. I want to speak with a person.

I have called the number and was on hold both times over 30 minutes. If I press 0 or #, or *, it hangs up.This is not customer service.

Original review Feb 21, 2025

If not for this platform I would not have received the automated email from Varo, which was another dead end and also another reason why I do not want them handling my money. Way to go, Varo.

It takes a negative consumer review to get a response from you? I wonder what I need to do to get a live person on the phone?

View full review

Preferred solution: I want the account closed, completely.

Resolved
Donnie H Zrx

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 Dallas, Texas

Resolved: My credit has not been updated and my advance is only 50 and it should be way higher

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

Credit score has not been raised at Varo, but my credit score is a 681 everywhere else except Varo. I've been a customer for several years and owed them $900 before and paid it off without a problem.

For some reason, I can only borrow like 50 bucks now on my advance. They're treating me like I owe money, and I don't. I have direct deposit right there to this bank, and they keep saying that I don't have qualifying direct deposits when I do.

I've been a customer there for a very long time. I think Varo could be a better company if they would do a little bit better and treat people better.

View full review

User's recommendation: Not sure at this time

Resolved
Renell Kmh

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 Madison, Wisconsin

Resolved: 2000 dollars was stolen out my bank account

Varo Money - 2000 dollars was stolen out my bank account

I checked my account and found that $2000 was missing from my account.i have no idea what happened to it or why it was gone.

View full review
Justus Bkm
map-marker Hammond, Louisiana

Dispute transaction

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Varo Money - Dispute transaction
Varo Money - Dispute transaction - Image 2

My money was sent from my cash app to a closed varo account and they refused to return my money after I showed you them proof of the transaction

View full review

User's recommendation: Customer support isn't very supportive

Aviannah Xaw

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 New York, New York

About my direct deposit from SSI I should of gotten it on 24

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Varo Money - About my direct deposit from SSI I should of gotten it on 24
Varo Money - About my direct deposit from SSI I should of gotten it on 24 - Image 2

Theyer policy is to pay early! If I wanted to wait til the end of the month I would ask SSA to mail my check.

Why is this *** bank holding my money??? It's my disability check. SSA told me it's sent out already . Varo had a message on my app they paying out 24.

I still have not.

Why is the there no live customer service!? They don't pick up either.

View full review

User's recommendation: Do not deal with VARO bank!

Rick L Ilo

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

Deposit

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Updated by user May 28, 2025

I didn’t receive any! Varo has the worst customer service ever!!!

Original review May 27, 2025

Didn't get any answers. Worst service in my life!

Would not recommend to anyone! Not sure how a company can be so terrible and still be in business!

View full review
Cons:
  • Awful

Preferred solution: Apology

User's recommendation: No never

Tina S Gaq

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 Atlanta, Georgia

Varo or some lazy bombs and need to be fired what you need to be working for you learn a computer do your job why are you there?

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

The dummies are letting the computers take their jobs and theyre just not knowing it yet. Stupid as *** Im trying to change my contact info. I cant because they only wanna chat instead of pick up the phone human beings.

View full review

User's recommendation: Ruuuuuuun don’t evettttttt useeeeeeee

Melissa T Xrc

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 check deposit

I submitted a check for $40.94 earlier this morning, but it says it could take five business days. I was wondering why because it's a check that was in my dad's name, a refund check from a business, and I took it to the estate attorney since my dad passed away so I can get the money for a minute.

That was like two weeks ago, and it took them this long to get it cleared. They've already had it in the bank for almost two weeks, and it cleared. That's why they issued me the check, and it's another bank, so why can't I have my funds right now? 'Cause I really need it.

I'm disabled, I'm not working, and I'm out of some household things.

I need to go get some of my medicine, and I don't understand why I have to keep waiting for it to clear when I just waited two weeks for it to clear, and it's from another bank and an attorney's office. Can I get my funds released, please?

View full review
Resolved
janie s Tzb

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: My account urgent

Varo Money - My account urgent
Varo Money - My account urgent - Image 2
Varo Money - My account urgent - Image 3
Varo Money - My account urgent - Image 4
Updated by user Jan 24, 2025

Company fixed the issue and I have been provided with apology. Police report

Original review Jan 09, 2025

Yes, they scammed me out of all my money. I can't even access that account, and when I called them Monday morning, they wouldn't talk to me because my account has been compromised, and all my information has been changed.

They said that's not the information they have on file. My direct deposits have been going there for 2 years, and you treat your valuable customers like this? They took all my money when it was in restriction.

I work too hard for my money. I'm pissed.

View full review
Loss:
$642
Pros:
  • Never ever refer no one to them
Cons:
  • Never returned my money or contacted me about this issue

Preferred solution: Full refund

User's recommendation: Do not trust them he’ll pass online when you see Varo bank

RedReaper

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

Fraudulent transaction

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Updated by user Jan 20, 2025

All they did was give me a check for the 2nd amount stolen not all the amount and there I'd no one I can speak with

Original review updated Jan 04, 2025
I called and told them about one of their employees contacting me, informing me that I was approved for their credit line up to 5000 dollars. However, I only agreed to 1000 dollars and he had given me all of my information to prove he was with Varo.

This information included my account number, address, phone, date of birth, and even my newly assigned debit card number, which had not even been mailed out yet. They made me change all my login information and removed all devices that had ever been logged into my account.
When I addressed the fact that this was an employee who had contacted me four times already, and they had acknowledged that sometimes they do call customers from other departments, they contradicted themselves by saying Varo never calls customers. Nevertheless, I have screenshots of call logs to my number from Varo many times throughout the eight years that I've had this account with them. They argued with me about it and tried to insinuate that it was just paranoia.
The first three calls and four chat logs were carried out on Thursday, Friday and Saturday, specifically on 12/26/2024, 12/27/2024, and 12/28/2024.

Varo promised and ensured me that no unauthorized access would occur now. Regardless, I had to contact them repeatedly because I was receiving emails and notifications that an unknown device or login had accessed my account. Each of those three days, I was promised that the issue was fixed and resolved.
However, on Monday, merely two hours before my disability check was deposited, I started receiving emails and push notifications that my account had been accessed by an unknown device or login. This time, someone was changing my phone number and trying to change my password and email.

Varo again ensured me that this issue was fixed and that no one would be able to access my account without it being by or through me.
For about two and a half hours, it seemed like the matter was taken care of. My disability income was issued, and I was able to purchase toiletries and dog food, and was in the middle of paying my electric bill when someone again logged into my Varo account. This time, my savings and Varo balance were transferred to my checking account and sent to the fraudster's account. They also changed my phone number all before I received the email or push notification.
After bringing this issue to Varo's attention, they made me change my login information again and promised that I would have my money back in my account within 24 hours.

Unfortunately, at 14 hours, they temporarily suspended my account. This suspension was lifted several hours later, and it appeared that the fraudulent transaction issue had been resolved. This belief was quickly shattered when, only four hours later, the same person managed to log into my account again. Even the representative from their dispute department agreed that it seemed like an inside job, as the speed of the fraudulent account access could only be achieved by an employee.
On New Year's Day, Varo did not email, call or text me; they simply closed my account.

This was especially problematic as I had multiple incoming deposits that could not be rerouted for weeks. Additionally, Varo refused to discuss anything other than receiving a complaint.
I believe my account was closed because I had evidence showing that their representatives had promised to refund my money within 48 hours. Even though they are FDIC BACKED they refused to do anything to assist me. Further, I demonstrated to them that I had given them plenty of time to prevent any of this from happening.

They failed to even make a record of my reports and allegations. More alarmingly, at least 50 other people on Reddit and various other online platforms reported experiencing the same issue. Varo had been given ample time by many of us to prevent this from happening.
Their failures are due to their indifference towards their customers, their poorly trained staff, lack of follow-ups with customers, failing to log complaints in the system, and failing to pass information up the chain of command.

This has resulted in mistreatment of many of their customers, as they blatantly lie about incidents and issues. Astonishingly, they even denied having a data breach in March of 2024, even though there was a class-action settlement due to it.
I am convinced that it is either a rogue employee or another data breach causing these incidents.
View full review
Loss:
$700
Pros:
  • Can get paid early by 2 days
Cons:
  • And they will lie to you
  • Do not notate anything in system
  • No security

Preferred solution: Full refund

User's recommendation: I recommend not risking it they do not care and are unreliable

Why Trust Reviews on PissedConsumer?

  • Professional auto and live moderation
  • 100% user-generated content
  • Equal opportunity and protection
  • Zero tolerance for fake reviews
  • Verified content
  • PissedConsumer is on the Inc. 5000 list

For more information read Blog article