BrioDirect vs Varo Bank
Head-to-head comparison of BrioDirect High-Yield Savings and Varo Savings Account, updated daily.
Varo Bank currently wins on APY: 5.00% vs 4.85%
| Feature | BrioDirectUpdated 1d ago | Varo BankUpdated 1d ago |
|---|---|---|
| APY | 4.85% | 5.00%★ |
| Min opening deposit | $5,000 | $0★ |
| Min balance for APY | $25 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.4 / 5★ | 4.2 / 5 |
BrioDirect verdict
BrioDirect currently leads the pack on APY in April 2026, and it has been at or near the top for over a year — this is not a teaser rate that disappears in 90 days. The catch is the $5,000 minimum opening deposit, which makes this a poor fit for someone just starting their emergency fund.
Read full BrioDirect review →Varo Bank verdict
Varo offers the highest headline APY on our list, but the conditions are strict: you need direct deposit, qualifying debit card spend, and the rate only applies to the first $5,000. For users who can meet those conditions on a small emergency fund, Varo is mathematically the best option. For larger balances, look elsewhere.
Read full Varo Bank review →