What are your fees?

The Varo Bank Account and Savings Account have absolutely no fees. When we say fee-free banking, we mean it.  Varo charges $0 for ATM withdrawals, $0 minimum balance fees, $0 monthly maintenance fees, $0 foreign transaction fees, $0 card replacement fees. And more. Zero means zero. Here’s the full list:

Item	Varo Fee
Minimum balance	$0
Monthly account maintenance	$0
Overdraft fee	$0
Visa® Debit Card	$0
ACH bank transfer - incoming and outgoing	$0
Account closing	$0
Bill pay - mail a check	$0
Customer service inquiry	$0
Card replacement with expedited delivery	$0
Foreign transactions	$0
ATM fees (At over 55,000 Allpoint ATMs)	$0
ATM fees (All other ATMs)	No fee from Varo, but the ATM operator may charge a fee
Over-the-Counter cash withdrawals	$0
Deposit cash at Green Dot location	No fee from Varo, but the Green Dot location will charge a fee of up to $5.95

The fine print: Varo charges $0 fees for ATM withdrawals, but some ATM operators (i.e. another bank) will since you’re not in their network.  To avoid ATM fees altogether, use an Allpoint Network ATM. There are more than 55,000 locations worldwide, including in most CVS, Walgreens, and Target stores, as well as other convenient locations. To find the Allpoint ATM nearest you, go to the Move Money screen in the Varo app and tap Find an ATM. You can also use the online Allpoint ATM Locator.

For cash deposits at Green Dot locations, Varo does not charge a fee, but the retailer will charge a fee of up to $4.95 for a deposit via card swipe and up to $5.95 for a MoneyPak.  For more details see Can I deposit cash to my account?