BrioDirect vs. Varo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 21, 2026 | Varo BankHigh-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.75% | 2.50% - 5.00% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$250 $10,000+$375 $25,000+$750 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDirect Deposit ReqChecking Bundle |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing BrioDirect vs. Varo Bank
As of both BrioDirect (High-Yield Savings Account) and Varo Bank (High-Yield Savings Account) offer an APY of 3.75% .
Both banks yield $375 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
Why BrioDirect?
- ✓No checking account or direct deposit required
Why Varo Bank?
- ✓Higher potential APY (5.00% vs 3.75%) on balances up to $5,000 (requires checking bundle & direct deposit)
— Key Feature Differences —
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $750/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Varo BankVaro Bank offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.6 (vs. 4.4)
Shared Benefits
Executive Summary as of
Varo Bank's High-Yield Savings Account stands out with a competitive 5.00% APY on balances up to $5,000, while offering 2.50% on amounts exceeding that limit. However, it requires a Varo bank account and a minimum direct deposit of $1,000 per month. In contrast, BrioDirect offers a straightforward High-Yield Savings Account with a 3.75% APY, no direct deposit requirement, and a low minimum deposit of $5,000. Both accounts are online-only and have no maintenance fees, making them appealing options for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Varo Bank Savings Calculator
Both accounts earn exactly the same amount.
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Varo Bank
High-Yield Savings Account
5.00% on first $5,000 and 2.50% thereafter.
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | Varo Bank |
|---|---|---|
| APY | 3.75% Verified: 1/21/2026 ↘︎ 0.45%90d Change | 5.00% Range: 2.50% - 5.00% Verified: 1/21/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | High-Yield Savings Account |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | RequiredMin. $1,000/month |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.9 Android4.6 |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Available Requires history of qualifying direct deposits. |
| BBB Rating | B- | A |
| Important Notes | - | Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required. |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Varo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Varo Bank |
|---|---|---|
| High-Yield Savings Account | High-Yield Savings Account | |
Current APY | 3.75% | 5.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.5 | 0.0 |
Days Since Change | 40 | 365 |
12-Month High | 4.75% | 5.00% |
12-Month Low | 3.75% | 5.00% |
Adjustments / Mo | 0.66 | 0.00 |
Volatility Score | 0.060 | 0.000 |
How to read these metrics(Click to expand)
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