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Varo Bank transfer limits [2025]
As one of the first all-digital banks in the United States, Varo Bank promises convenience and ease of use for its growing number of customers. But what are Varo’s transfer limits?
In this breakdown, we’ll outline the Varo Bank transfer limits, whether you can send money with Zelle®, and how you can relay cash abroad using a wire transfer.
We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.
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Varo Bank transfer limits overview
Your Varo bank transfer limit depends on your account balance, history, and many other factors.¹
To find out what your limit is, you’ll need to:
- Log in to your account
- Tap “Move Money”
- Select “Transfer”
- Choose the account you want to move money from
From here, you’ll be able to see your cap for that transfer.
| Need to send a large amount? With Wise, you can send up to 1,000,000 USD per wire transfer to 140+ countries — and we automatically apply a discount when you send over 25,000 USD (or equivalent)*. |
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🚀Send high-amount transfers with Wise
*For more information, please visit https://wise.com/us/large-amounts/.
What is the Varo Bank Zelle® limit?
Varo Bank is not in the Zelle® network.
While you can use Zelle® with other accounts, Varo offers 2 convenient money transfer features, including Varo to Varo and Varo to Anyone.
The Varo to Varo limit is up to 50 individual payments per calendar day and up to 2,000 USD per rolling 30-day window.² Once you’ve reached your limit, you’ll need to wait until the end of the rolling 30-day period.
If you need to send money to someone who isn’t a Varo customer, Varo to Anyone Instant Payments is a good option. Similar to other transfer types, you’ll need to go to the Varo to Anyone screen to see what your current limit is.³
Can I make an international wire transfer with Varo Bank?
No, you can’t directly make a wire transfer abroad with Varo Bank. That’s because the institution doesn’t have a SWIFT code, which is required for international transfers.
Instead, Varo partners with third-party wire transfer entities, specifically WorldRemit.⁴
WorldRemit is a well known and secure solution for sending money abroad. The company’s fees vary, and Varo may tack on its own fees as well.
| 🔍 To learn more about WorldRemit, read our full review here. |
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Send high amount, low cost international transfers with Wise
A smart option if you’re sending money overseas: meet Wise.
| With Wise, you can send up to 1,000,000 USD per wire transaction to 140+ countries, with the mid-market exchange rate and low, transparent fees. |
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Over 70% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.
No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.
🚀Get started with high amount transfers
| See how Wise compares with international bank transfers in our full guide |
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*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.
How can you check your Varo Bank transfer limits?
Varo can adjust your transfer limits at any time. To check your Varo Bank transfer limit, log in to your account and select “Move Money.” Then, select “Transfer” and choose the account you’d like to check.
Can you increase your transfer limits at Varo Bank?
If you need to increase your transfer limits at Varo Bank, it’s best to contact the institution about possibly adjusting your cap.
In the US, there are no limits on international wire transfers. However, WorldRemit and other third-party wire transfer entities may impose their own limits on how much you can send.
Additionally, if you send more than 10,000 USD, your transaction will be subject to IRS reporting requirements.
What are Varo Bank’s transfer fees and charges?
Varo doesn’t charge any fees to use its Varo to Varo or Varo to Anyone feature.²
If you’re arranging a wire transfer with WorldRemit or another international payment entity, you’ll be subject to that company’s exchange rates and fees. Those fees can differ based on the type of wire you are sending (domestic or international) and where the money is going.
Things to keep in mind when transferring high amounts
Making an international wire transfer is a tried-and-true option for sending large amounts of money, especially when you need to make overseas payments. Since Varo doesn’t offer wire transfers and has low caps on other transfer methods, you’ll have to look elsewhere when you need to send a large sum.
With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the fair mid-market exchange rate.
Have a look at the main benefits for using Wise to send large transfers:
- Dedicated support for large transfers
- Fast and easy setup with no physical paperwork
- Upfront, transparent fees
- Fully trackable transfers
- Fast transfer times
- Two-factor authentication and real-time notifications
Get a Wise Account
in minutes 💰
Sources
- Varo Support - Savings Transfers
- Varo Bank - Bank Account Agreement and Disclosures
- Varo Support - Varo to Anyone Instant Payments
- WorldRemit - WorldRemit Becomes Preferred Remittance Provider for Varo Money
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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