America's first all-digital bank

37.7836587, -122.4119851
Global Goals

No Poverty

Reduced Inequalities

Varo Money is a mobile-first platform and the first all-digital bank in the US with a national bank charter. The company is led by a mission-focused team and social impact is embedded in the company’s founding principles and business model. Varo’s mobile-first structure, with no physical branches, keeps costs low and allows Varo to operate without requiring monthly minimum balances or overdraft fees. Earning approval from the US government for a bank charter allows Varo to provide the highest standards of consumer protection while offering a broad array of integrated products nationwide, including CDs, IRAs, credit cards, and home equity loans.