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Buy BTCBitcoin$78,026+0.41%.svg)
Buy ETHEthereum$2,451+0.54%.svg)
Buy USDTTether$1.00+0.00%.svg)
Buy USDCUSD Coin$1.0000+0.00%.svg)
Buy SOLSolana$104.89-0.06%.svg)
Buy XRPXRP$1.39+0.19%.svg)
Buy LTCLitecoin$48.89+0.12%.svg)
Buy DOGEDogecoin$0.0853+0.01%.svg)
Buy TRXTRON$0.3381-0.31%.svg)
Buy ADACardano$0.2006-1.08%.svg)
Buy AVAXAvalanche$7.32+0.39%.svg)
Buy DOTPolkadot$0.8386-1.51%.svg)
Buy LINKChainlink$11.42-0.33%.svg)
Buy BCHBitcoin Cash$245.40-0.80%.svg)
Buy XLMStellar$0.1791+0.10%.svg)
Buy SHIBShiba Inu$0.000005-0.81%.svg)
Buy TONToncoin$1.36-0.79%.svg)
Buy SUISui$0.7448-0.76%
Bank crypto guide
Buy Crypto with a Varo Bank Card, Wire or ACH
Varo — the first fintech to win its own national bank charter (2020) — mirrors Chime's crypto profile: the Visa debit card works at licensed platforms, there's no credit card to block, and the constraints are daily card limits plus no outgoing wires. Varo customers at Anytime Capital buy everyday amounts with debit or Apple Pay; larger orders ride ACH or cash at a branch.
Updated August 2026 · Reviewed by the Anytime Capital trading desk
Does Varo Bank allow crypto purchases?
Yes. Varo Bank debit cards and ACH transfers all work for buying crypto at Anytime Capital, a licensed US money services business. Varo Bank issues no credit card of its own, but any major credit card you hold is accepted here, as are Apple Pay and Google Pay.
- Debit card
- Varo Bank debit cards work at Anytime Capital, subject only to a routine first-purchase fraud check.
- Credit card
- Varo Bank issues no credit card of its own. Any major credit card you hold is accepted here.
- ACH transfer
- ACH from a Varo Bank account is accepted for buys, and used for payouts when you sell.
- Wire transfer
- Varo Bank does not send outgoing wires. Use the debit card or ACH — or wire from a traditional bank account if you keep one.
Comparing institutions? See every US bank's crypto policy in one table.
Varo Bank debit and credit cards are accepted at Anytime Capital for crypto.
Wire transfers from Varo Bank are accepted for crypto — and we send wires back to your Varo Bank account when you sell.
- Varo Bank debit cards — buy crypto in minutes
- Varo Bank credit cards — all major networks accepted here
- Varo Bank wire transfers — in for buys, out for sells
- ACH, Apple Pay, Google Pay and branch cash also accepted
- Wire transfer
- Cash in person
Credit cards are accepted here that other crypto platforms turn away.
This institution does not issue a credit card of its own — but any major credit card you hold is accepted here. Anytime Capital accepts all major credit cards — Visa, Mastercard, American Express and Discover — from every bank and credit union we cover.
The honest caveat: Acceptance is our decision as the merchant; authorization of any individual transaction is Varo Bank's, and your cardholder agreement controls. Varo offers no traditional credit card — Varo Believe is a secured Visa that spends money you've already set aside, so it behaves like debit at crypto merchants where accepted. The credit-crypto question doesn't exist at Varo.
About Varo Bank
- Founded
- 2015
- Headquarters
- San Francisco, California
- Size
- Over 10 million accounts opened; the first US fintech granted a national bank charter in 2020
- Footprint
- Fully digital nationwide — no branches
- ATM access
- ~40,000 fee-free Allpoint ATMs
- Worth knowing
- Varo Advance offers fee-free cash advances and the bank pays a high APY on savings.
Cards issued: Visa debit · Secured Visa (Varo Believe)
Varo Bank card policy for crypto purchases
Debit card
WorksVaro Visa debit cards work for crypto purchases at licensed platforms, including Anytime Capital.
Credit card
Accepted at Anytime CapitalAll major credit cards are accepted at Anytime Capital — Visa, Mastercard, American Express and Discover — including your Varo Bank card. This institution does not issue a credit card of its own — but any major credit card you hold is accepted here. Acceptance is our decision; authorization of any single transaction remains Varo Bank's.
At Anytime Capital
Varo Bank credit and debit acceptedVisa, Mastercard, American Express and Discover, credit and debit alike, plus Apple Pay, Google Pay, ACH, wires and branch cash. No card network is turned away at the door.
At other crypto platforms
Issues no credit card of its ownVaro offers no traditional credit card — Varo Believe is a secured Visa that spends money you've already set aside, so it behaves like debit at crypto merchants where accepted. The credit-crypto question doesn't exist at Varo.
Worth knowing: Varo was the first US fintech granted its own national bank charter (2020). Like Chime: no outgoing wires, and daily card limits run lower than traditional banks — card and ACH are the rails.
Buying crypto with a Varo Bank wire transfer
Wire transfers are accepted at Anytime Capital for crypto — Varo Bank itself doesn't send them, so Varo Bank customers use the debit card or ACH.
Varo does not send outgoing wire transfers. Varo customers fund larger crypto purchases by ACH, by branch cash, or by wiring from a secondary bank account.
The working rails from Varo Bank are the ones it does run: the debit card clears instantly at checkout, and ACH links the account directly. If you also keep a traditional bank account, its wires work here for larger OTC orders — no card ceiling, cleared dollars, and a price our desk quotes before you send.
Selling crypto and getting paid to your Varo Bank account
Anytime Capital buys crypto back and sends the dollars to your Varo Bank account by ACH — wire payouts go to any traditional bank account you verify.
Selling runs the same process in reverse: lock a price with the desk, send the crypto from your wallet, and we pay out in US dollars. Since Varo Bank handles ACH but not bank wires, the payout to Varo Bank rides ACH and typically lands in 1–3 business days; customers who want a same-day wire payout point it at a traditional bank account instead. Larger sells are handled by our OTC desk with a quoted price rather than a moving market rate.
You can sell BTC, ETH, LTC, SOL, XRP, USDT, USDC and 20+ other assets directly, or bring cash out in person at our Atlanta and Miami branches. Payout account names must match your verified identity — a rule that protects you as much as it satisfies our compliance obligations.
What you can buy with your Varo Bank account
Every asset below is available to Varo Bank customers by debit card, credit card, Apple Pay, Google Pay, ACH or wire transfer. Pick the coin, pick the delivery network, and it lands in a wallet you control.
Buy BTC — BitcoinBuy BTC / buy BitcoinBuy ETH — EthereumBuy ETH / buy EtherBuy USDT — TetherBuy USDT (TRC-20, ERC-20, SPL)Buy USDC — USD CoinBuy USDC stablecoinBuy SOL — SolanaBuy SOL / buy SolanaBuy XRP — XRPBuy XRP / buy RippleBuy LTC — LitecoinBuy LTC / buy LitecoinBuy DOGE — DogecoinBuy DOGE / buy DogecoinBuy TRX — TRONBuy TRX / buy TRONBuy ADA — CardanoBuy ADA / buy CardanoBuy AVAX — AvalancheBuy AVAX / buy AvalancheBuy LINK — ChainlinkBuy LINK / buy ChainlinkPlus 38+ assets in total, including BNB, DOT, XLM, SHIB, TON, SUI, APT, NEAR, BCH, ETC, HBAR, ICP, ATOM, INJ, SEI, STX, POL, ARB, OP and KAS. See the full buy menu.
Every way a Varo Bank customer can pay
Debit card
Every major US bank's debit card. Fastest route for most buyers — minutes end to end.
Credit card
Visa, Mastercard, American Express and Discover accepted here, subject to your issuer's own policy.
Apple Pay & Google Pay
Tokenized checkout with the card already in your wallet — trips fewer bank fraud screens.
Wire transfer
Domestic wires in for larger buys, and wires out to your bank when you sell.
ACH bank transfer
Pull straight from checking — the low-cost lane for repeat buying.
Cash in person
Atlanta and Miami branches for cash buys and sells with a human across the counter.
Cash by mail
A structured, tracked option for clients without branch access.
How Varo Bank customers buy at Anytime Capital
- 1
Create your free Anytime Capital account and verify your identity — a routine, legally required step that takes minutes for most customers.
- 2
Choose your coin and the delivery network — BTC, ETH, LTC, SOL, XRP, USDT (TRC-20, ERC-20 or SPL), USDC and 38+ more — with pricing shown before you commit.
- 3
Pay with your card, the same card inside Apple Pay or Google Pay, an ACH transfer, or a wire for larger amounts. First-time card purchases may need a one-tap fraud approval from your bank.
- 4
Receive the crypto in the wallet address you chose, typically within minutes of the payment clearing. Your keys, your coins.
US-based and licensed
A registered money services business with real branches, not an offshore app.
Thousands of customers
Individuals and businesses buying and selling every day since 2018.
Your keys, your coins
Delivery to a free non-custodial wallet, or any address you already control.
Your Varo Bank card, wire and ACH all work here
Anytime Capital is the #1 place to buy crypto with a debit card, wire transfer, Apple Pay & more. Varo Bank customers buy BTC, ETH, LTC, SOL, XRP, USDT, USDC and 38+ other assets, with delivery to a wallet you control — and sell back for a wire to the same Varo Bank account.
- Wire transfer
- Cash in person
Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.
Varo Bank crypto questions, answered
Can I buy crypto with my Varo debit card?
Yes — the Varo Visa debit card works at Anytime Capital and other licensed platforms. Mind Varo's daily card spending limit; larger purchases run better over ACH or in person.
Does Varo support wires for big purchases?
No — Varo doesn't send outgoing wires. For OTC-size orders, Varo customers use ACH, cash at one of our branches, or a wire from a secondary bank account.
Does the Varo Believe card work for crypto?
Where Visa is accepted, it behaves like debit — it spends money you've moved to its secured account, with no cash-advance mechanics. The standard Varo debit card is the more reliable option at quasi-cash merchants.
Why was my Varo card declined for a crypto purchase?
Usually the daily limit or a first-time merchant check — Varo doesn't block licensed crypto merchants. Check the limit in the app, approve any verification, and retry, splitting the purchase if needed.
What's the best crypto route for a Varo customer?
Everyday amounts: Varo debit or Apple Pay at Anytime Capital, minutes end to end. Larger amounts: ACH, or cash in person at our branches.
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Important Disclosures
- Anytime Capital accepts Varo Bank debit cards and all major credit cards, plus ACH and wire transfers. Acceptance is ours; whether a specific card authorizes a given purchase is Varo Bank's decision, not ours. Issuer positions summarized here, including what the same card typically encounters at other platforms, are public or widely reported stances that can change.
- Credit-card crypto purchases may be treated as cash advances by some issuers — your cardholder agreement controls.
- Digital assets are not FDIC-insured, are not bank deposits, and may lose value.
- All purchases and sales are subject to identity verification and compliance review. See fees and limits for pricing.