There are six ways to deposit funds on to a Varo Money bank account: direct deposit, an electronic transfer (ACH) from another bank, by depositing a check inside the app with a photo, from another Varo account via an email or text, by loading cash using a Green Dot MoneyPak, and through a money transfer service.
To use ACH, you will need the account number and routing number of the Varo account. You will submit that information to the sending bank account under "external transfer." Direct deposit works the same way - the sending account must know your routing and account numbers. The Varo Money direct deposit bank routing form is available at WiseWage.
You can buy a MoneyPak in retail stores (Walgreen's, Walmart, et al) for $4.95. Varo does not charge a fee to use MoneyPak. You can also use Green Dot's reload at the register feature at some stores for the same price.
Varo works with Cash App, Venmo, Facebook Messenger, and PayPal Instant Transfer.