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Business Profile

Financial Services

Varo Money

Important information

Complaints

Customer Complaints Summary

  • 2,288 total complaints in the last 3 years.
  • 747 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:07/16/2025

    Type:Product Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On 07/15/2025 I was sent ****** To my cash app and my varo card is connected to it I got 40 dollars from ATM and the next day my card was declined this has happened before with varo I just want my money back on my card Thank you

    Business Response

    Date: 07/22/2025

    Hello,


    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.


    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  


    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel **************************************************************************;


  • Initial Complaint

    Date:07/15/2025

    Type:Billing Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They are refusing to release my funds from the disability check i deposited. Causing me to be evicted and late on many bills. They accepted it yet refuse to fund my account

    Business Response

    Date: 07/24/2025

    Hello,

    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.

    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  

    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel ********************************************************************.
  • Initial Complaint

    Date:07/14/2025

    Type:Product Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I've had an established account with VARO for a couple of years, with more than ***** per month total in direct deposits from the *********** and the ****************************** (my employer.) Up until very recently, I was able to use the mobile deposit option on the app (mobile bank only, there are no physical branches) to deposit other checks for mileage reimbursements, healthcare reimbursements, and from my farm customers. I have never had a deposit not clear, the only time one was rejected was because the wording of the "for mobile deposit only at VARO bank" was not clear. I resubmitted the photo and the check was deposited. After a few days, I tried to deposit additional checks that had arrived, and could no longer make deposits. After multiple attempts to find out why and how to rectify, I've yet to be able to speak with an actual person that could provide any information or make any attempt at resolution.

    Business Response

    Date: 07/22/2025

    Hello,

    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.

    In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.

    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, please feel free to reach out to us by responding directly to this email or you may submit a web form available at ******************************************************************** to ensure that you are routed to the appropriate servicing channel.

  • Initial Complaint

    Date:07/12/2025

    Type:Order Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I just got this account and wanted to send some money to my husband's account using the transfer to anyone option. I had tested it the day before and was happy with the quick service. Well, I've sent 600 dollars and there's a problem with the system. It has been 48 hours, I used the chat option and was told to be patient. I asked for an *** and was given the same response. There has been no email communication regarding this issue nor any sort of resolution plan/time. I don't know where my money would be and I'm in a panic. That money is urgently needed and I can't get a good response from varo.

    Business Response

    Date: 07/18/2025

    Hello,

    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.

    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  

    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel ********************************************************************.
  • Initial Complaint

    Date:07/12/2025

    Type:Product Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was offered the Varo advance option for 20$ I have borrowed every week since it gave it to me and I pay it back early. This morning it told me I was eligible for 20$ as soon as I payed it back. I did. A week before it was due. They then changed my eligibility. I now have 0$ for gas to get to work. I paid them with the direct deposit I got the night before. I have never been late but now they are saying I need 800$ a month in direct deposit to be eligible. I have had 0 since may but they let me borrow every week until this morning, but they should have showed BEFORE. They dont because they promise a service and after they get their money, they change what they said. I tried contacting customer service for a refund since the payment was early and they said it is impossible. They are constant with the bait and switch scams. I have been with them since nov ****************************************************** responsible payment. But the biggest thing is I want a refund, I am going to get fired because I have no gas money., I was counting on that advance. They said my eligibility changes at 6 am , but they changed mine at 5 am. They change rules to whatever fits them and will not help you

    Business Response

    Date: 07/18/2025

    Hello,
    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  
    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel ********************************************************************.

    Customer Answer

    Date: 07/20/2025

     
    Complaint: 23589961

    I am rejecting this response because: I am not asking my eligibility. You guys do a bait and switch scam where you show my eligibility is good UNTIL I make a payment. You are directly lying as well as I was told by one of your agents about 6 am . You said I was eligible ,as soon as I made a payment my eligibility change. You cant promise something to get what you want , then change the terms. 

    Sincerely,

    Amiello *****

    Business Response

    Date: 07/25/2025

    Hello,
    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  
    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel **************************************************************************;

    Customer Answer

    Date: 07/26/2025

     
    Complaint: 23589961

    I am rejecting this response because:
    I am not arguing my eligibility, you are dodging the complaint. I amarguing that you guys showed I WAS still eligible until I made the early payment. I did not have to make that payment then and I needed to borrow that 20$. It showed I was eligible so I made the early payment then you took it away. I asked for a refund so I could get to work then and you guys said no. The money wasnt do for another  2 weeks. You guys lie to get what want. *** about your policy you SHOWED in the app I was eligible, until I made the payment. Then it changed. You need to update that daily but you wait until after you get what you want to change it

    Sincerely,

    Amiello *****

  • Initial Complaint

    Date:07/12/2025

    Type:Product Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I received a text from which I thought was my bank stating my info on my account was updated. Well I know I didn't update my info on my account so I replied No as seen on the screenshot of the text. Shortly after I received a call saying they were calling from Varo Bank to restrict my account. And they asked for my last direct deposit amount. When the phone hung up I tried logging into my Bank app only to realize I was locked up it was saying my email and phone number was not recognized I tried pressing forgot password but the last 4 digits of the phone number that was popping up was not mine. Varo has no other way to cancel a card so I had to wait until Sunday morning at 7 am to call and report the problem only to find out $1190.00 had been taken out of my account. I asked them to file a dispute because those charges were unauthorized by me and that my credentials on my account had been changed. And I believe I had been hacked. Well they denied my dispute when clearly I did not authorize the money being taken because I was locked out of my account. I also filed a police report with ***********************************. This has caused me so much stress and Varo customer service seem to not even care about my account being hacked and getting my money returned which has made me late paying my bills. Its so unfortunate that the bank has business hours and customers has to wait until next business day to report situations like this. Varo bank also failed to notify me as a customer that their bank had a data breach in March of 2024 which had possible exposed my account information. I just want my money back. I also reported an Identity Theft and put a freeze on my credit. I provided Varo with all proof and they still won't refund me my money.

    Business Response

    Date: 07/22/2025

    Hello,
    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  
    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel **************************************************************************;

    Customer Answer

    Date: 07/22/2025

     
    Complaint: 23589901

    I am rejecting this response because: The day I reported to the business which was on July 6, 2025. They only wanted to cancel the card they did not want to accept any proof i had of my credentials to my account being updated without my permission.And then my money taken out of my account without my permission.  It took them a matter of days to Deny my claim without them even having proof. Which is when i did an appeal before July 15 with all information i had as proof. I am the customer when I call Varo they all seem to just rush you off the phone without giving any updates to whats going on with my dispute. As i stated this is my money that was stolen from me i should not have to wait until September to get an update about my hard earned money. This has caused so much stress to my life because bills been due and I'm still waiting on Varo to get my money back. Varo bank has been horrible with the time they take to even help their customers and also ********************** provides no protection to your money in your account. Once locked out of your online account there is no physical way to cancel your card and no number to get in touch with anyone until the next business day. This has by far been my worst experience with a Bank.

    Sincerely,

    ****** *********

    Business Response

    Date: 07/25/2025

    Hello,
    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  
    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel **************************************************************************;

  • Initial Complaint

    Date:07/10/2025

    Type:Product Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I been banking with Varo Bank since 02/2025, Never had a problem until July ******, woke up to my account having $5.21 in it. When I went to bed my account had $945.21 in it. I reach out to Varo Bank for them to investigate. I explain to the representative that my account had been hacked. She took my information and told me I will receive an email within 7 to 10 business days. So, I received an email on July ****** telling me I will not receive my $940.00 back. On July 10, 2025, I called back again to speak with a supervisor and was put on hold for 45 minutes when answered she tell me they went in favor of the company that took my money. Company name is as follow: 1NFINITELOOP CA. I asked why when I trusted them with my money. And she couldn't answer that question. I told her I put my trust in VARO bank to protect my funds.

    Business Response

    Date: 07/17/2025

    Hello,


    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.


    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  


    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel **************************************************************************;


  • Initial Complaint

    Date:07/10/2025

    Type:Service or Repair Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have a dispute with this bank and they are not following regulations and continue to deny me when i have provided evidence declaring the transactions fraudulent it was from hard rock online casino totaling 1500 dollars.

    Business Response

    Date: 07/18/2025

    Hello,

    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.

    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  

    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel ********************************************************************.
  • Initial Complaint

    Date:07/10/2025

    Type:Billing Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I paid $2,597 from my Varo Bank account on April 8, 2025, to a company called Tax Prodigy Pro for an all-inclusive business mentorship program. This program was advertised to include software, IRS setup, training, branding, and client onboarding tools. After payment, I received only a generic eBook and was added to a disorganized group chat. The promised services were never delivered, and I was then told I would need to pay $49/month and an additional $2,497 to access training and branding which were advertised as included.This is a textbook example of bait-and-switch and non-receipt of services.I attempted to file a dispute through Varo Bank, but they refused to help citing a policy that they do not support service-related disputes. I explained that this was not about satisfaction it was about fraud and non-delivery of services, and that I had documentation to prove it. They still refused.I believe Varo is failing in their duty to protect customers from fraud and should not be excused from resolving obvious cases of misrepresentation.I have also filed complaints with the ************************************ and the Office of the Comptroller of the Currency.

    Business Response

    Date: 07/18/2025

    Hello, Angelic,
    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  
    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel **************************************************************************;

  • Initial Complaint

    Date:07/10/2025

    Type:Service or Repair Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Varo bank closed my account after I loaded 400 into the account and have a open dispute for over 2k. They held my provisional credit without access to use which isn't legal to do. They refused to let me transfer money out of my account after they closed with no explanation and I've been with them for over 3 years.

    Business Response

    Date: 07/18/2025

    Hello,
    Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
    In order to protect your online privacy, weve responded to your concern directly. If you are a Varo customer, we have responded directly to the registered email account we have on file for you. If you are not a Varo customer, we have responded directly to the email associated with your complaint.  
    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel **************************************************************************;

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