How To Get A Refund From Varo

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Dispute a Varo Transaction And Get A Refund

Varo touts itself as an online-only bank similar to Chime, Ally Bank, and SoFi. Compared to traditional banks, Varo offers no hidden fees for transactions, high yield savings, and early paydays with direct deposit. In 2021, Varo was considered the fastest-growing privately owned company on the Inc. 5000. Varo currently has around 7 million active accounts.

Though if you’re having problems with a Varo transaction, you’re likely wondering what it would take to get that money back in your account. Thankfully, aRefund has your answers and much more. Read onwards to discover Varo refund policies.

Can You Get A Varo Refund?

Varo allows chargebacks on transactions in your bank statement. You’ll have to contact Varo customer support to have a representative investigate a transaction. All in all, refunds and chargebacks are possible, but Varo won’t grant just any refund request.

Varo Refund Dispute Scenarios

Varo recognizes two types of disputes: Unauthorized charges and errors. Here’s a rundown of both types of disputes:

Unauthorized chargesThese are purchases in the event your card was stolen and used to pay for goods or services, or you were duped into paying for something and didn’t get what was promised.
ErrorsThese are purchases you did in fact authorize, but the transaction is inaccurate or incorrect. Examples of errors include being charged twice for one purchase or being charged an inaccurate amount. In these instances, the merchant should help rectify these errors.

Both instances can be handled with Varo, but the company encourages you to reach out to the merchant first to see if refunds can be done without a dispute.

What Happens When I File A Dispute With Varo?

Varo will investigate your dispute claim for up to 90 days if there are no obvious signs of fraud. If they deem that the transaction was done with suspicious activity, they will redirect the money back into your account.

In the meantime, Varo will also “lock” your debit card. This means you won’t be able to make any further payments on the card and your account will be disabled momentarily. You’ll have to wait for a new credit card to arrive in the mail, and once activated, you’ll be free to use the card and your funds once again.

How To Lock Your Varo Card On Your Own

In the event your credit card was subject to unauthorized purchases, you can also disable this card using your Varo mobile app. Here’s how you can do this from anywhere:

  1. Open the Varo mobile app on your smartphone or tablet and log in.
  2. Tap on “My Varo”.
  3. Tap on “Card Services”.
  4. Tap on your card information.
  5. Tap on “Lock your card”.
  6. Toggle the switch to the right to lock your card.

Tapping on the switch again will unlock the card. This is handy if you’re lending the card to a friend or family member.

You can also opt to send a replacement card from this menu, which will also result in locking the card, but it can’t be unlocked until your new card arrives in the mail.

How Long Does It Take For A New Varo Card To Arrive In The Mail

From the moment you request a new card or have a Varo specialist disable your old card, your new card should be available between 6 to 9 business days. If you still have time before disabling your card, you can withdraw money at an Allpoint ATM if you’re expecting to or need to spend money in places like the grocery store.

Varo suggests making sure your address is up to date before you request your new card, so that the card isn’t sent to the wrong address.

Sign Up For For Another Chance At A Refund

If you’re not sure about Varo giving you a refund from a dispute, you can get assistance from! When requesting a refund with us, we’ll get in touch with Varo to see what can be done about your troubling transaction.

Here’s what you must do when you use our website for a refund:

  1. Log into your account.
  2. Tell us what happened with your Amtrak purchase and why you're entitled to a refund.
  3. With our AI companion, we’ll draft up a professional letter and the appropriate reason code. These will help build you a strong case for a chargeback.
  4. We’ll mail the letter to your bank, which will review your letter and make a final decision.

This process only takes a few days! If you’re approved for a refund, it takes just 3 to 5 business days for your money to return to your account.

How To Contact Varo Customer Service

Varo’s customer service team can be contacted in one of many ways if you’re having problems with your card or a purchase.

  • Phone support - Call (877) 377-VARO.
  • Live chat - Open your Varo mobile app for more details.

If you’re contacting Varo on social media, be sure to leave a direct or private message. Varo will not handle inquiries through public posts.

Can I Get A Varo Refund For Closing My Account?

If you still have money in your bank account, Varo should send you a refund check in the mail if you close your bank account. If you haven’t received your refund check, you can visit this page to request a check.

Alternatively, you can transfer your money to another bank from Varo if your account is still open as of this writing. You will have to use the mobile app to link your bank account to another bank, such as Keybank or PNC. You’ll need your account and routing number to do this, but it will only take up to 4 business days to complete the transfer of funds.

Get Your Money Back Stress-Free Using

With, you can get money back for any transaction no matter how complicated the refund policy. We’ve managed to secure chargebacks on hotel tickets, train fares, food delivery subscriptions, and much more.

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Frequently Asked Questions (FAQs)

What Are Varo’s Customer Service Hours?

Varo phone customer support is available Monday through Friday from 8:00 AM to 4:30 PM GMT. Varo’s chat support is available during the same hours, but chat is available all 7 days of the week. So if it’s Sunday, you won’t be able to call customer support, but you can still use the chat feature on the Varo app.

Varo customer support isn’t available on Thanksgiving, Christmas, and New Year’s Day.

How Much Money Per Day Can I Withdraw From My Varo Bank Account?

With your Varo bank account, you can withdraw up to $1,000 per day from an ATM. At participating physical banks or credit unions, $1,000 is also the limit. Click here for more information on Varo debit cards.

Can I Refund Varo Withdrawal Fees?

If you are charged a withdrawal fee, it is non-refundable or disputable. The fee is imposed when you make a transaction through an out-of-network ATM, such as a Bank of America ATM. This is considered a small penalty.

Varo’s in-network ATMs are managed by Allpoint. Using these ATMs comes with no fees for making withdrawals. Look for an Allpoint ATM at your nearest CVS, Walgreens, or Target location.

How Do I Contact Varo Customer Service On Social Media?

Varo is open to handle customer inquiries on X, Instagram, and Facebook. To contact Varo on social media, you need to click a certain button on the profile page.

On X, there’s a small envelope icon to click that opens a direct message window. For Facebook and Instagram a “Message” button will allow you to chat with the Meta Messenger app right from the page. You can also access this app and continue conversation anywhere by visiting

If you post a reply on social media, the account will just instruct you to send a private message.

How Long Does It Take For Varo to Review A Dispute?

Varo typically needs around 2 business days to file a chargeback if approved. After approval, it should take up to 5 business days for your account to get your money back. Despite this, your unwanted transaction might remain on your card activity for an additional 7 days.