Varo does not offer Zelle

Varo Bank does not currently provide Zelle as a way to send or receive money. If you have a Varo checking account and want to move money to someone else's bank account, you will need to use a different method.

This is not unusual — not all banks offer Zelle, even though it has become common at larger institutions. Varo has chosen to focus on other money-transfer features instead, which we cover below.

Key Takeaways

  • Varo Bank accounts do not support Zelle transfers, so you cannot use Zelle through a Varo account.
  • Varo offers external transfers (ACH transfers) to move money to other banks, which typically take one to three business days.
  • You can receive money into your Varo account from other banks using ACH transfers or direct deposit.
  • If you need to send money quickly to someone at a different bank, you may want to compare Varo's transfer speed and fees with other options before opening an account.

How to move money out of Varo without Zelle

The main way to send money from Varo to another bank is through an ACH transfer (Automated Clearing House transfer). This is an electronic transfer between bank accounts that Varo supports through its mobile app and online banking.

To set up an ACH transfer from Varo, you will need the recipient's bank account number and routing number. You enter these details in the Varo app, specify the amount, and schedule the transfer. Most ACH transfers from Varo take one to three business days to arrive, though the exact timing depends on the receiving bank.

Varo does not charge a fee for outgoing ACH transfers to other banks. However, the receiving bank may charge a fee on their end, though this is uncommon for standard transfers.

Receiving money into your Varo account

You can receive money from other people and institutions into your Varo checking account in two main ways: ACH transfers and direct deposit.

For ACH transfers, the sender will need your Varo account number and routing number. You can find both in the Varo app under account details. Once the sender initiates the transfer from their bank, it typically arrives within one to three business days.

Direct deposit is the fastest way to receive regular payments like paychecks or government benefits. Your employer or the benefit-paying agency will need your Varo account number and routing number. Direct deposits usually arrive on the scheduled date with no delay.

Why some banks do not offer Zelle

Zelle is owned by a network of larger banks and is managed through a separate system. Banks choose whether to integrate Zelle into their platforms, and some newer or smaller banks decide not to. The decision often comes down to cost, technical integration, and how the bank wants to position its money-transfer features.

Varo, which is an online-only bank, has built its transfer system around ACH transfers and direct deposit instead. For most everyday transfers, ACH works just as well as Zelle — the main difference is speed. Zelle transfers often arrive within minutes or hours, while ACH transfers take one to three business days.

When the lack of Zelle matters

If you regularly need to send money quickly — for example, splitting a bill with a friend the same day or paying an urgent invoice — the absence of Zelle could be inconvenient. In those cases, you might want to keep a second account at a bank that offers Zelle, or use a separate money-transfer app like Venmo, PayPal, or Square Cash.

For routine bill payments, paycheck deposits, and transfers that can wait a few business days, Varo's ACH transfer system works fine. Many people use Varo as their main account without missing Zelle at all.

Other ways to move money quickly from Varo

If you need an alternative to Zelle, you have a few options. Many people use third-party apps like Venmo, PayPal, or Cash App to send money to friends and family. These apps connect to your Varo account and let you transfer money in minutes, though some charge fees for when ready transfers.

You can also write a check from your Varo account if you have checkbook access, or use your Varo debit card to pay someone directly. Wire transfers are another option for larger amounts, though Varo may charge a fee for outgoing wires.

Frequently Asked Questions

Can I use Zelle with money in my Varo account?

No. Zelle is not available through Varo, so you cannot use it even if you have a Varo account. You would need to transfer your money to a bank that offers Zelle first, which defeats the purpose of speed.

How long does an ACH transfer from Varo take?

Most ACH transfers from Varo take one to three business days. The exact timing depends on when you send it and how quickly the receiving bank processes it. Transfers sent on weekends or holidays may take longer.

Is there a fee to transfer money out of Varo?

Varo does not charge a fee for outgoing ACH transfers to other banks. The receiving bank might charge a fee, but this is rare for standard transfers. Wire transfers do carry a fee.

What if I need to send money the same day?

ACH transfers will not work for same-day transfers. Use a third-party app like Venmo or PayPal, pay with your Varo debit card directly, or write a check. Some apps charge a fee for when ready transfers.

Can I receive Zelle payments into my Varo account?

No. Because Varo does not support Zelle, someone cannot send you money through Zelle to your Varo account. They can send you an ACH transfer or direct deposit instead if they have your account and routing numbers.