Varo Money was the first digital challenger bank in the United States to be awarded a national bank charter.
Their bank account has no fees, just like Cash App, and both are easy to sign up for. So, the question arises – Does Varo work with Cash App?
Varo successfully works with Cash App. After you link the two accounts, you can send and receive money both ways, making these popular financial apps work like a charm together.
Varo is, as we already mentioned, a fully-fledged bank since 2020, and its bank account and both debit and credit cards work seamlessly with Cash App.
In order to transfer money from Varo to Cash App and vice versa, you’ll need to link the two together. It’s a process that only takes a couple of minutes in each app. Here’s how to do it.
How to Add Varo to Cash App
You can add a Varo bank account or Varo debit and credit cards to your Cash App account. That way, you can transfer money from Varo to Cash App.
To add Varo Bank to your Cash App:
- Tap the Banking tab on your Cash App home screen
- Select Link Bank
- Find Varo on the list of banks
- Enter your credentials
- Follow the prompts
To add a Varo card to your Cash App:
- Tap the Profile Icon Cash App’s home screen
- Select Linked Banks/Accounts or Add Bank
- Tap Link Debit Card
- Enter card number
- Add the expiration date
- Add the CVV number
- Enter your ZIP number
After you enter all the details, you will be shown a checkmark if all went as intended.
How do I find my Varo routing number and account number?
To successfully link Varo to Cash App, you might also need routing and account number. They’re also needed to set up a direct debit. Here’s how to find them:
- Go to the home page of the Varo app
- Select your checking or savings account
- Tap Account Details in the upper right-hand corner
As we mentioned, you can use the routing number and account numbers to send money to your Varo Bank account or to set up automatic bill payments from your account.
How to link Cash App to the Varo Bank app
If you’d like to add Cash App to Varo, you’ll have to go through a short and easy process. Here’s how to do it:
- Go to Varo Bank App
- Tap My Varo > External Accounts > Link an Account
- Select Cash App from the list or search for it if you don’t see the icon
- Enter your user ID and password for Cash App and tap Submit
- Follow any prompts, such as entering your phone number or email and using a one-time password to get set up
- Continue responding to prompts from Varo until you see your external accounts and balances show up on the Accounts
Although Varo Bank instantly verifies accounts of some banks, others may require some further verification. Accounts that require extra verification show up as “Unverified”. To verify your account:
- View External Accounts at the bottom of the My Accounts page
- Tap the Unverified account
- Tap Verify Account
- Enter the two deposit amounts that were sent to your external account
- Tap Submit
When the account appears on the External Accounts page you’ll know you’re successfully linked the two.
In case you’re still having trouble, you can contact Varo support at firstname.lastname@example.org.
How do I find my Cash App routing number and account number?
To find and use your Cash App account and routing numbers:
- Tap the Banking tab on the Cash App homescreen
- Tap the routing and account number (below your balance)
- Copy your account and routing numbers
Difference Between Cash App and a Varo Bank Account
|Varo Bank||Cash App|
|First USA Digital Full Bank|
No monthly fees
Early direct deposit
Debit and credit card
Early Direct Deposit
$100 Instant Cash
Free ATM Withdrawals
|No monthly fees|
No transaction fees
No foreign exchange fees
Optional debit card
Not FDIC Insured
Is there a difference between Cash App and a Varo bank account? There is some difference.
Cash App and even Varo Bank are alternatives to traditional bank accounts in that you can do everything through the app – invest, pay, spend, send and control your money.
Varo Bank is now a traditional bank but it started its journey as a mobile bank. They’re also called digital banks, internet banks, neobanks, challenger banks, and other names.
Varo has many more features that are missing in the Cash App but that’s natural as they obviously have a different market strategy.
Cash App, on the other hand, has 36+ million users, which is much much more than Varo. It definitely has to do with its simplicity and youthful appeal, as well as marketing and social media profiles.
How to Add Cash App Card or Varo Card to Apple Pay
You can easily add your Cash Card or Varo card to the Apple Wallet app. Even if you don’t have the physical card in your hands, i.e., you just ordered it and it hasn’t yet arrived.
The process is more or less the same for any card or app, it’s very easy to do and can be done from the Cash App or Varo App itself or from Apple Wallet.
To add your Cash Card or Varo bank card to Apple Pay from Apple Wallet, you’ll have to follow the steps:
- In your Apple Wallet, tap +
- Scan your Varo card or Cash Card or enter details manually
- Follow the steps
- Open Cash App to verify that your card has been added
What Cards Does Cash App Support?
Cash App supports debit and credit cards from:
- American Express
The app also supports most prepaid cards such as Direct Express, however, depositing to these cards doesn’t necessarily work.
Cash App doesn’t support:
- ATM cards
- Business debit cards
The Bottom Line
Cash App and Varo Money (or Bank as it’s now called) work together flawlessly after you connect the two through their respective apps.
The two apps bring different things to the table, it is actually smart to use both and interlink them as neither has a monthly fee and you get an excellent savings account with Varo and you can invest in stocks and Bitcoin with Cash App.
It’s also easier to send money to friends that already have an existing Cash App account.
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