If you want to withdraw money from your Varo bank account but lost your card here is what you can do. First don’t forget to lock it, so that if someone finds the card, they cannot use it. Second step is to order a replacement. While you are waiting, you can use the following ways.

Using an ATM

Be patient, because using an ATM without an actual card is going to be hard if possible at all. If you added a Varo Debit Card to your virtual wallet like Google Pay or Apple Pay, then you have few options. You can try to use a cardless ATM. This may not work. Alternative is to buy something using your virtual wallet in a retail store like Walmart or Walgreens. At the checkout you can request cash back at the terminal when you make the purchase.

Transfer money to another bank account

Alternative is to transfer money to another bank. ACH transfer usually takes a couple of days. Then you can use another bank’s debit card to withdraw money at an ATM. For example, Charles Schwab debit cards have unlimited rebates. So you can withdraw money at any ATM.

Overall I would recommend to always have a backup checking account, which you can use if Varo has some issues. My favorite is the Capital One 360 checking account.

Varo to Varo transfer so that a friend can withdraw money for you

If your family member has a Varo account, you can send money to their account. Money is transferred almost immediately and should be available within a few minutes. Then your partner or friend can take cash from an ATM in the same way as you would do. Keep in mind that ATM withdrawal is limited to $1,000 per day.

These are my 3 ways to withdraw money from Varo Bank if you lost your debit card.