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Varo Bank

Varo Bank

US Digital Banking

VS

dLocal

Emerging Markets

dLocal
Fees from
Custom vs 3-7% all-inclusive
Features

1 shared

1 unique to Varo Bank · 1 unique to dLocal
Regions

0 shared

1 unique to Varo Bank · 4 unique to dLocal
Pay methods

0 shared

4 unique to Varo Bank · 10 unique to dLocal
On fees

Varo Bank uses custom pricing, quoted on engagement. dLocal publishes 3-7% all-inclusive from. Verify directly with each provider before signing.

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3 features · 14 payment methods · 5 regions. We don't rank these — they're here for reference.
Varo Bank Varo Bank
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2015
2016
Headquarters
San Francisco, California
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Payment Methods
dLocal leads (10 vs 4)
Ach Unique
✓
—
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Direct Deposit Unique
✓
—
Mastercard Unique
—
✓
Oxxo Unique
—
✓
P2p Transfer Unique
✓
—
Pix Unique
—
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—

Varo Bank is best when you...

US Digital Banking
Need Low Fees
Not available with dLocal
Want coverage in North America
dLocal doesn't cover this region
View Varo Bank

dLocal is best when you...

Emerging Markets
Need Enterprise
Not available with Varo Bank
Want coverage in Africa, Asia, Latin America, Middle East
Varo Bank doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between Varo Bank and dLocal?
They share 0 payment methods and 0 regions. Varo Bank adds ACH, Debit Card, Direct Deposit and 1 more that dLocal does not list; dLocal adds Amex, Bank Transfer, Boleto and 7 more that Varo Bank does not list; Varo Bank also covers North America; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Varo Bank or dLocal?
Varo Bank has custom pricing quoted on engagement; dLocal has published rates from 3-7% all-inclusive. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Varo Bank and dLocal?
Varo Bank lists 1 region and 4 payment methods; dLocal lists 4 and 10. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Varo Bank and dLocal compare on integration and settlement?
dLocal offers a sandbox, Varo Bank does not list one; dLocal supports webhooks; dLocal publishes a settlement time of 2–7 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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