How to Withdraw Money from Varo without a Card (in 2023)

Do you need to withdraw money from your Varo account but don’t have access to a card? While it is a little more complicated, withdrawing cash from Varo without a card is possible if you have a friend with a Varo card or another bank account to which you can transfer and withdraw money.

Varo account

Varo online bank sets itself apart from other banks by offering a flawless mobile banking experience. The bank’s most popular offerings are the Varo Visa debit and credit cards. It’s beneficial to learn how to withdraw money from Varo without a card!

Varo savings account

There are no monthly maintenance costs with the Varo Savings Account. There is no requirement for a minimum balance to open an account. In the Varo no fee for a cash advance of $20 once a Varo Bank account holder qualifies for Varo® Advance, a small-dollar cash advance line of credit. There is a cost for advances over $20.

Varo is a safe place to put your money. The Federal Deposit Insurance Corporation (FDIC) ensures all cash in your Varo Savings Account up to $250,000. The FDIC covers your deposits and the interest you earn in your high-yield savings account.

Varo business account

Varo Bank Accounts are just for personal use and not for business activities. As a result, business tax refunds to Varo Accounts are not accepted. Please see the Varo Bank Account Agreement on our policies page for additional information.

Varo joint account

Currently, Varo Bank does not provide joint accounts or supplementary Varo Bank Visa® Debit Cards. We recognize the value of sharing a bank account with a spouse or dependent; therefore, we work on it. Varo to Varo transfers makes it simple to send money to another Varo Bank customer.

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How to withdraw money from Varo without a Card

Is it possible to withdraw cash from an ATM without using a debit card? Using Varo without a card can make your banking experience more convenient and delightful.

With the new digital bank cardless ATM, this is possible. At the ATM, users can withdraw cash without using an ATM card. All you need is a smartphone with your chosen bank’s app and a bank account with the bank to make a seamless cardless cash withdrawal.

Method 1: Download the Varo Bank app on your iPhone or Android smartphone.

Varo Bank app on your iPhone or Android smartphone.

Thankfully, most people will have their smartphones before reaching for debit cards.

The following are the techniques for withdrawing money from Varo without a card using the Varo mobile app:

  1. Open the Varo app on your iPhone or Android device.
  2. Navigate to the “Move Money” option and pick it.
  3. Locate a local ATM using the “Find ATM” option.
  4. Visit the recommended ATM and double-check that cardless withdrawals are permitted.
  5. On the ATM screen, choose the option for Mobile Cash Access.
  6. Open the Varo Mobile App on your mobile device and select “Cardless ATM Withdrawal.”
  7. Enter the amount you want to take out. Some ATMs in the neighborhood have $5 and $100 bills available.
  8. You may generate a code with your phone or use the QR Code scan option to authenticate your identity.
  9. To gain access to the ATM, enter the code obtained by the app.
  10. Wait for the ATM to disburse your cash.

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Method 2 – Transfer Money to a Varo Bank Account of a Friend

You can send money to a friend or family member with a physical Varo debit card while you’re with them. You can send money to their digital banking accounts when you don’t have access to your Varo card.

It’s a fantastic option to explore because rapid money transfers between Varo bank accounts are quick and inexpensive.

To send money to someone else’s Varo account, follow these steps:

  1. Open the Varo mobile banking app on your phone.
  2. Look at the bottom of your screen for the ‘Move Money option.
  3. Select ‘Varo to Varo Transfer’ from the drop-down menu.
  4. Enter the amount you want to send or withdraw from your online banking account.
  5. Double-check the transfer details to be sure you’ve got everything correct.
  6. If everything is in order, select the ‘Send Money option.

Please remember that it cannot be canceled or reversed after a Varo money transfer has been confirmed. As a result, pay special attention to the specifics when transferring payments.

Once they’ve been credited, they can withdraw the funds using their real card.

See our article on whether you can Venmo yourself using a credit card, Chime, PayPal, or Apple Pay.

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Method 3: Use the Bank App to view your Varo Visa Debit Card information.

Even if you don’t need to withdraw money from Varo Bank, you can use the Varo app to pay for products. This is a great option if you don’t have your prepaid debit or credit card.

The bank app allows you to quickly check your Varo debit card’s data. The card number, CVV, expiration date of the ATM card, bank ACH routing number, and account details are all included.

Your Varo debit card information should be sufficient to pay for any product or service while on the go. You may even be cashless on purpose, as buying items this way is simple.

Launch your Varo mobile app and select Account Details from the drop-down menu.

See our instructions for transferring funds from Chime to Cash App.

Method 4: Bank Transfers to a Different Bank

Varo Bank makes it more difficult to transfer money to another bank. Direct deposit timeframes can take up to 48 hours to arrive. As a result, we recommend you only consider it if all other choices have been exhausted.

On the other hand, Varo has optimized its bank transfer to a new bank method that is simple to set up.

Varo Bank Transfers to a Different Bank: How to Set It Up

  1. Open your mobile app and go to Accounts > Link an Account + at the bottom of the screen.
  2. Look for the External Bank icon and choose it.
  3. Select your bank from the drop-down menu and log in to your account.
  4. Type in your User ID and Password, then click Submit.
  5. Complete any required fields, such as your email address or mobile phone number. You might be asked to verify your identity. As a result, you may receive an email notification or a phone call from an OTP to confirm your identity and continue.
  6. Continue to the Accounts tab and follow any extra prompts until you see your external bank account details.

See our explanation of why Cash App cannot attach your card now.

Varo withdrawal limit

A Visa debit card is included with all Varo bank accounts. It’s compatible with Apple Pay and Google Pay mobile wallets. For purchases or cash-back, the debit card has a daily spending limit of $2,500. ATM cash withdrawals are limited to $1,000 per day.

Varo instant transfer

Yes, you can send money instantly using digital wallets like Cash App, PayPal, Venmo, and Square and ride-hailing services like Uber and Lyft. The transfer speed varies depending on the digital wallet, but it normally takes less than 30 minutes.

Varo closed my account.

Any time something unusual occurs, we may temporarily suspend your account to guarantee that no one else uses it without your permission. Our systems are set up to identify any suspicious or unusual conduct and promptly flag the account so we can keep your money safe.

Frequently Asked Questions (QnA)

How can I place a wager on Varo?

Go to a nearby business and ask the cashier to load money onto your activated Varo Bank Visa® Debit card. Varo Bank does not impose a fee for cash deposits, ranging from $4.95 to $4.95, depending on the location.

What do I need to get started with Varo?

You only need a valid driver’s license or passport and your social security number. That concludes our discussion. To apply, go to the App Store and download the Varo app, then press “Get Started” and follow the on-screen instructions to submit your application. It should just take you about five minutes!

Varo is a legitimate bank account?

Varo is an internet bank, not a physical bank. You don’t need to go to a physical branch to get your money. You can use more than 55,000 Allpoint ATMs to withdraw cash from your Varo Bank Account for free, and you can deposit some money at more than 90,000 Green Dot retail locations.


If you don’t have your Varo card with you, these are your choices for withdrawing money from your account. Even if these aren’t perfect answers, we hope they made your life simpler.

It’s always a good idea to link your Varo card to a service like Apple Wallet, Google Pay, PayPal, or Cash App ahead of time to make purchases, even if you don’t have your physical card with you.

Read our Varo Bank review if you don’t already have one. Visit our website for more information on digital banks.

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