I have been using Varo since last year. With the Credit Card it has been awesome. But I have had an Issue. I placed an order with an on-line retailer for two orders a few weeks apart. I never got them and I couldn't get a reply to the company. I filed a dispute and Varo took forever todo it and they found against me. I ordered a product and never got them. it's a fact. No contact with the company and I still could not get a refund. I now use another bank