{"app_store_id":1517676784,"slug":"varo-bank-online-banking-1517676784","name":"Varo Bank: Online Banking","subtitle":"Early Payday & Cash Advances","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/f3/ca/59/f3ca5991-8997-fb03-1071-7d1283ab6fef/AppIcon-0-0-1x_U007epad-0-1-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/varo-bank-online-banking/id1517676784?uo=4","price":0,"currency":"USD","rating":4.85844,"rating_count":233521,"in_app_purchases":false,"recent_rating":2.4,"recent_review_count":20,"reviews_checked_at":"2026-10-18T11:49:11.701Z","primary_genre":"Finance","version_date":"2026-10-06T19:45:48Z","updated_at":"2026-10-18T11:49:11.701Z","stale":false,"missing_since":null,"one_liner":"Early Payday & Cash Advances","verified_maker":false,"maker_site":null,"file_size_bytes":126274560,"minimum_os":"16.4","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/55/14/52/55145240-7310-4f26-ee63-4cfffd5dc18c/4_V1_ALT_No_hidden_fees_1242x2208.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/0d/a7/b3/0da7b377-89ec-44ed-caa7-ca6f9dbfd157/AppStore_IOS_Advance_1242x2208__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/55/b0/bf/55b0bfa7-c07f-1a5a-f949-6ed1b085f2e8/1242x2208.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/15/34/b0/1534b081-68ad-fcaa-f60c-1a0d5a2f3e14/5_V1_Early_Payday_1242x2208.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/77/f5/26/77f526f5-7353-f859-d2b7-cc3ae16efc40/7_V1_Build_credit_1242x2208.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/15/05/6f/15056f47-8eed-5697-2758-946ec2a83934/1242x2208-1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/95/44/0c/95440cdd-9ee4-dc14-3704-e6ef37d1b520/AppStore_IOS_DigitalApp_1242x2208.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d2/ea/ee/d2eaee9f-6c02-35c4-2a06-eff4bafb8546/AppStore_IOS_APY_1242x2208.jpg/392x696bb.jpg"],"developer_name":"Varo Money, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/varo-bank-online-banking-1517676784/","api_url":"https://apptierlist.com/api/v1/apps/varo-bank-online-banking-1517676784","schema_version":"1.0","generated_at":"2026-10-24T07:52:53.312Z","data_as_of":"2026-10-24T06:12:12.636Z","description":"We are a real bank, built for the digital age.\n\nMember FDIC, backed by the full faith and credit of the U.S. Government\n\n\nONLINE BANKING\n• Early payday5\n• No monthly, minimum balance, or overdraft fees1\n• Send and receive money in minutes with Zelle®4\n• 40k+ fee-free US Allpoint® ATMs2\n• Up to 3.75% APY on first $5,000, quals apply10\n• 1.00% APY on additional balances\n• Auto-saving tools\n• Unlike many money apps, we’re a real bank\n\nINSTANT CASH ADVANCES\n• Borrow up to $250 today. Quals apply3\n• Work up to $700 cash advances over time with direct deposit3\n• Flat fee per cash advance\n\nLINE OF CREDIT\n• From $600 to $2,000. Avg $825. Quals apply9\n• No interest, late fees, or penalties\n• Simple flat fees\n• Payment periods between 3 and 12 months\n\nFREE SECURED CREDIT CARD6\n• No credit check, interest, annual fees, or minimum security deposit\n• Reported to Equifax, Experian, & TransUnion\n\nDOWNLOAD NOW!\n• Sign up for a Varo Bank Account in less than two minutes with no impact on your credit.\n\n©2026 Varo Bank, N.A. All Rights Reserved. Member FDIC.\n1−10 See disclosures in app screenshots.","facts":{"developer_id":1108582738,"developer_url":"https://www.varomoney.com","first_released":"2020-10-01T07:00:00Z","support_url":"https://support.varomoney.com/","privacy_url":"https://www.varomoney.com/privacy-legal/","website_url":"https://www.varomoney.com/","app_version":"4.42.0","release_notes":"Big news: Zelle® has officially landed in the Varo app! Whether you’re paying a friend back for dinner, splitting rent, or chipping in for a group gift, you can now send and receive money in minutes,⁴ fee-free.","rating_current_version":4.85844,"rating_count_current_version":233521,"star_counts":[3195,920,3484,10531,215364],"genres":["Finance","Shopping"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipad"],"made_for_iphone_duo":null,"chart":{"name":"top-free Finance","position":43}},"freshness":{"apple_read_at":"2026-10-18T11:49:11.701Z","catalog_read_at":"2026-10-14T00:58:48.260Z","reviews_checked_at":"2026-10-18T11:49:11.701Z","summary_written_at":null,"placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-24T06:12:12.636Z"},"editorial":null,"memberships":[{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":46,"tier":null,"score":85.5,"components":{"rating":97.2,"votes":93.7,"rank":51.2,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":178968,"at":"2026-10-20T00:39:11.537Z","kind":"tier_changed","list":"banking","app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":"C","to":null,"reason":"rank shift: #47, below the tiered top 40","job":"rescore"},{"id":148257,"at":"2026-10-17T20:24:11.694Z","kind":"tier_changed","list":"banking","app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":"B","to":"C","reason":"rank shift: #38, score unchanged at 85.5, tier full (a quarter of the list)","job":"rescore"},{"id":137649,"at":"2026-10-17T02:50:13.397Z","kind":"tier_changed","list":"banking","app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":null,"to":"B","reason":"checked from the list's side: ranked #24","job":"rescore"},{"id":107622,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"banking","app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":"B","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":43972,"at":"2026-10-09T14:10:41.142Z","kind":"tier_changed","list":"banking","app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":"D","to":"B","reason":"score 85.4","job":"rescore"},{"id":36599,"at":"2026-10-09T06:06:03.151Z","kind":"tier_changed","list":"banking","app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":null,"to":"D","reason":"score 72.7","job":"rescore"},{"id":27451,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"banking","app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":null,"to":"active","reason":"It is a real FDIC-member bank offering online banking with a checking account, no monthly fees, Zelle, ATMs, high APY savings and early payday.","job":"fill"},{"id":21479,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1517676784,"app":"varo-bank-online-banking-1517676784","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":46,"tier":null,"score":85.5,"components":{"rating":97.2,"votes":93.7,"rank":51.2,"recency":100},"ranks":[{"country":"us","rank":5}],"verdicts":[{"verdict":"keep","reason":"Varo is an FDIC-insured digital bank whose main purpose is everyday mobile banking: checking, savings, transfers and ATMs. That puts it alongside Chase, Capital One and the other banks already in the list.","verifier":"list check","decided_at":"2026-10-17T02:48:13.382Z","attempts":1,"current":true},{"verdict":"keep","reason":"It is a real FDIC-member bank offering online banking with a checking account, no monthly fees, Zelle, ATMs, high APY savings and early payday.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":42616,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. 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