A US mobile bank with a national bank charter.
Varo Bank Referral Code
Five referrals a year, with two ways to qualify
Varo pays on up to five referrals a year. Your friend qualifies with $500 in direct deposits in 45 days, or just $20 of debit card spending in 30.
Genie Says
Varo Bank is currently offering five referrals a year, with two ways to qualify.
How much can you earn?
Share your own code and earn rewards when friends use it
Promotional amount shown in the Varo app; up to $500 a year across five referralsper successful referral*
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How to Use a Varo Bank Referral Code
Find your link in the app
My Varo, then Invite Friends. Your current offer terms are shown there too.
Send it to someone new to Varo
They must not be, and never have been, a Varo Bank customer.
They open a Varo Bank Account
Through your unique referral link.
They take either qualifying route
$500 in qualifying direct deposits within 45 days, or $20 of debit card purchases within 30 days.
The bonus is paid
On the offer terms attached to your own referral link at the time.
Reward Details
- Your Reward
- Five referrals a year, with two ways to qualify
- Referrer Reward
- Promotional amount shown in the Varo app; up to $500 a year across five referrals
- Minimum Purchase
- Either $500 in qualifying direct deposits within 45 days, or $20 of debit card purchases within 30 days
- Available In
- USA
- Referral Limit
- Five referrals per calendar year
- Eligibility
- Referrer's account balance $0.00 or more and not suspended or closed; the person referred must never have been a Varo customer
Why Choose Varo Bank?
$500 in qualifying direct deposits within 45 days, or $20 of debit card purchases within 30 days. Either satisfies the requirement.
Qualifying direct deposits mean payroll, pension or government benefits. Transfers from your own accounts and peer-to-peer payments do not count.
Varo caps the programme at five, with up to $500 a year available to a referrer who meets every requirement.
The person referred must never have been a Varo Bank customer, not merely not be one now.
About Varo Bank
Most coverage of Varo's referral programme mentions the $500 direct deposit requirement. Varo's own terms give a second route: $20 of debit card purchases in the first 30 days.
Varo is a US mobile bank. Its referral programme pays on up to five referrals per calendar year, and Varo states that a referrer who maxes them out and meets every requirement can earn up to $500 a year.
The part worth reading carefully is how the new customer qualifies, because there are two routes and most write-ups only mention one. They can receive $500 or more in qualifying direct deposits within 45 calendar days of opening — payroll, pension or government benefits such as Social Security or unemployment, not transfers between your own accounts and not peer-to-peer payments. Or they can make one or more qualifying debit card purchases totalling $20 or more within their first 30 days. The second is dramatically easier and it is in Varo's own terms.
On the referrer's side the conditions are light: your Varo Bank Account needs an available balance of $0.00 or more, and it must not be suspended or closed at any point during the referral period. The person you refer must be genuinely new — not a current Varo customer, and not a former one.
The amount itself is promotional rather than fixed. Varo shows your specific offer terms and your referral link in the app under My Varo, then Invite Friends.
#VaroReferral
Frequently Asked Questions
What Users Say About Varo Bank
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