How To Link Cash App To Varo? Transfer Limit & Fees?

Varo Bank was created in 2015 to fill a gap in online banking. The bank has over 55,000 surcharge-free Allpoint ATMs, no minimum high-yield savings accounts, and no monthly or hidden fees.

Varo earned a top spot on Forbes Advisor‘s 2022 Best Online Savings Accounts and Best Checking Accounts with over four million accounts and outstanding customer service.

It’s not uncommon for Varo users to also use Cash App for online peer-to-peer (P2P) payments. It’s an easy way to send and receive money from friends or using a Cash App business account.

So, can you link Varo to Cash App?

Short Answer: Yes, you can link Varo to Cash App to transfer funds into your bank account. It’s easy to add your Varo Visa Debit Card to Cash App to send money. In addition, Cash App allows you to link Varo to an external bank account so you can transfer funds directly. 

Our comprehensive guide will show you how to link Cash App to Varo, transfer limits, fees, and the time it takes for the money to hit your account.

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How To Link Cash App To Varo?

There are multiple ways for you to link Cash App to Varo. It’s easy to set up because Varo uses Plaid to link to Cash App and verify your bank accounts with a few clicks.

Plaid is widely-used for its payment integration services to help connect bank accounts to various payment apps. As a result, your financial information is verified and securely transferred between the two financial institutions.

Plaid lets you import your Varo Bank account details into Cash App and initiate fund transfers.

Follow these steps to link Cash App to Varo: 

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1. Launch the Varo app on your iOS or Android device.
2. Click the link to create an external account on the Varo app dashboard.
3. Choose Cash App in Search. 
4. You will be prompted to verify your Cash App identity by entering your login credentials.

Cash App users can also link with Varo without a debit card. Instead, users enter their Varo bank account and routing number to make ACH direct deposits from Cash App. However, ACH transfers can take up to five days to hit your bank account.

Follow these steps to link Cash App to Varo without a debit card: 

1. Launch the Cash App from the Apple Store or Google Play Store. 
2. Tap the “Bank” icon on the home screen. 
3. Select the linked bank by scrolling down. 
4. Enter your Varo bank account and routing number to make ACH transfers.

See our guide on how to change your Cash App routing number.

How To Transfer Money from Varo to Cash App?

After linking your Cash App and Varo accounts, you can quickly transfer money between the two accounts.

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Here are steps to transfer money from Varo to Cash App:  

1. Launch Cash App on your iPhone or Android device. 
2. Select “Add Cash.”
3. Enter the amount of money you will transfer. 
4. Next, select your linked Varo account. 
5. Click “Confirm,” and money will be transferred from Varo to Cash App within a few days.

See our guide on transferring money from Cash App to Netspend.

How To Transfer Money from Cash App to Varo?

Transferring money between Cash App and Varo Bank is easy once they’re linked.

Here are the steps to transfer money from Cash App to Varo:

1. Launch Cash App on your iPhone or Android device. 
2. Tap the “Bank” icon on the home screen.
3. Tap “Cash Out.”
4. Enter the amount of money you will transfer to Varo.
5. Select the bank account you want to send the money to if you have multiple external linked accounts linked to Cash App.

See our guide on transferring money from Apple Pay to Cash App limits.

What’s The Varo Transfer Limit To Cash App?

The Varo transfer limit to Cash App is 35 instant debit transfers per month, with a rolling 30-day reset. Also, there’s a spending limit of $2,500 per day since Cash App considers it a money transfer when using your Varo Debit Card. 

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You can view your Varo account statements by visiting the “Accounts” page, selecting “Varo Bank” or “Savings Account,” and opening “Details.” You’ll then be directed to your account statements, where you can specify the month or year of the statement you’d like to view.

See our guide on how to transfer money from Chime to Cash App without a debit card.

What’s The Cash App Transfer Limit To Varo?

The Cash App transfer limit to Varo is up to $7,500 a week, after you’ve verified your identity and provided your name, address, birthdate, and SSN. Also, you’ll be able to receive an unlimited amount of funds.

See our guide on the Walmart to Walmart money transfer limit and fees.

What Are The Cash App Fees Sending Money to Varo?

Cash App charges a 1.5% transfer fee for immediate transfers into your linked Varo bank account. However, you can also opt for a standard transfer, which is free but may take three business days to process.

The good news is that Varo doesn’t charge fees when transferring money to your Cash App.

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See our guide on transferring money from an EDD card to a bank account. 

Can I Use My Varo Debit Card on Cash App?

Yes, you can use your Varo Debit Card on Cash App to transfer money directly.

Here are the steps to use a Varo debit card on Cash App:

1. Launch Cash App on your iPhone or Android device.
2. Tap the “Bank” icon on the home screen. 
3. Select the linked bank by scrolling down.
4. Choose “Link Debit Card.”
5. Enter your Varo debit card details.

Directly linking your Varo Debit Card to Cash App enables instant transfers between the two. Otherwise, linking your Varo bank account and routing number can take several days for the ACH direct deposit to hit your account.

How Long To Transfer Money From Varo To Cash App?

The time it takes to transfer money from your Varo account to Cash App will vary based on the transfer speed. For example, linking Cash App with your Varo Debit Card allows instant transfers within 30 minutes.

However, a standard direct deposit can be delayed by up to five business days if Cash App is linked via your Varo bank account and routing number. 

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Link Cash App To Varo Summary

Cash App and Varo can be linked together with or without a Varo debit card. The benefit of using the Varo Visa Debit Card is instant transfers arrive within 30 minutes. However, linking Varo without a debit card takes several days per money transfer.

Additionally, Cash App enables Varo users to link external bank accounts so that funds can be directly transferred. 

See our guide on how to withdraw money from Varo without a card.