How To Withdraw Money From Varo Without Card

Varo offers a straightforward process to withdraw money. Find out how to withdraw money from Varo without card.
Tebid Kelly
withdraw money from varo without card

Looking to withdraw money from Varo without card? Keep reading as we've outlined the different ways to do so without hassle. 

Mobile banking has become an essential part of our financial lives.

In fact, 43.5% of US consumers choose to access their bank accounts online as of 2021, a considerable increase of 15.1% from the year 2017 which counted only 28.4% of online bankers.

Huh! That's huge.

Neobanks are those that have come with this massive trend in digital banking and still, they are becoming more and more popular among consumers.

Varo is a neobank and obviously one unique among its competitors. It became the first U.S. fintech company to receive a national bank charter in July 2020 and is now the first mobile-centric national bank in the U.S.

Varo is an online-only bank that offers fee-free banking services — this means, there are no monthly fees or hidden fees and it offers a high-yield savings account to allow you to become the boss of your own finances.

Besides offering a convenient online bank account, Varo offers a Visa debit card to allow you better manage your finances and withdraw cash from your account.

But what if you find yourself in a situation where you need to withdraw money from your Varo account but don't have your card with you? Don't worry, because we've got you covered!

To help you out, we'll see all possible ways to withdraw money from Varo without the need for your card.

Table of Contents

Can I Withdraw Money From Varo Without Card?

Yes, you can withdraw money from Varo without card.

Varo has been established as a U.S. chartered and FDIC-insured neobank that offers a variety of unique banking services, from regular checking accounts to advanced budgeting tools to help you better manage and plan your budget.

Following that, there are a couple of ways to withdraw money from Varo without card even though they aren't mentioned on Varo's official site.

How To Withdraw Money From Varo Without Card

Varo does offer a fee-free checking account and a Visa debit card to allow you to withdraw funds from your account at supported ATMs.

However, it is still possible to withdraw money from your Varo account whether you have your debit card or not.

If you're looking to withdraw money from Varo without card, you might want to consider the methods below.

1. Use Cardless ATMs

There's been a lot of doubts about Varo's support for Cardless ATM withdrawals.

While most sources might say otherwise, Varo does work with Cardless ATMs which means you can walk to an ATM that offers Cardless withdrawals and supports Varo.

Besides, Varo offers an ATM locator which you can use to locate Cardless ATMs.

To do so:

  • Open the Varo app on your smartphone.
  •  Hit the "Move Money" button.
  • Choose "Find an ATM."
  • Now it's up to you to decide which ATM to use.

Once you locate a Cardless ATM, follow the steps outlined on the ATM machine to withdraw your funds.

2. Send Money To A Friend's Account

Varo is a popular online bank in the U.S. and of course, there are a lot of people even in your surrounding that use Varo for their banking needs.

All you need to do is find someone you can trust and ask them if they can help with receiving money through their Varo account and repay you with physical cash.

To motivate them to accept your request, propose to them some fees or anything you know they'll benefit from the transaction.

Hopefully, they'll help you with withdrawing money from Varo without card.

3. Transfer Money To An External Bank Account

Varo offers customers the possibility to transfer money from their Varo account to an external bank account.

You can use this process to withdraw money from Varo without card.

To do so:

  1. Link the external account to your Varo Bank Account and verify it's yours.
  2. Once the external account is linked, open the Varo Bank app and tap Move Money >> Transfer Money >> Transfer Money.
  3. Select From: Varo Bank Account and To: the account you want to receive the transfer.

The process can take up to 48 hours and I'll only recommend this method if the aforementioned methods didn't work out for you.

How Much Does Varo Let You Withdraw?

Varo lets you withdraw up to $1000 from ATMs each day. You can even make over-the-counter cash withdrawals at major banks and credit unions of up to $1000.

Frequently Asked Questions

How can I use my Varo account without my card?

You can use your Varo account without a card for a couple of transactions. In fact, you'll mostly use your Varo card for ATM withdrawals and at places that accept Visa debit card payments.

How can I withdraw money from my Varo account?

The best way to withdraw money from your Varo account is to use your Varo debit card at an ATM. However, you can also withdraw money from Varo to your external bank account.

What is the transfer limit for Varo?

You can transfer up to $5,000 per transfer to external bank accounts and $10,000 per calendar month

Final Thoughts

Varo is a popular online-only bank that offers fee-free banking services in this digital age.

It offers a debit card that allows customers to manage and access their funds at ATMs without having to pay any fees. 

However, if you don't have a Varo debit card, there are a couple of ways to withdraw money from Varo without card.

Thankfully, this guide compiles the different ways to withdraw funds from your Varo account without having to use a debit card in the process.

Do you have any other method to suggest? We'll be happy hearing from you through the comment section.

About the Author

Tebid Kelly
I'm Tebid Kelly, A Content Creator, Video Producer Financial Consultant and Certified Google Publisher. I write contents for, which are my two blogs.

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