Varo vs MANTL
Side-by-side comparison of AI visibility scores, market position, and capabilities
Varo is the first fintech to receive a U.S. national bank charter — offering no-fee checking, high-yield savings, and credit-building tools to ~5M underbanked customers, with $124M raised in 2025.
About
Varo Bank is a San Francisco-based neobank and the first consumer fintech company in U.S. history to receive a national bank charter directly from the OCC (Office of the Comptroller of the Currency), achieving this milestone in 2020. As a fully chartered bank with FDIC insurance, Varo operates with regulatory authority that most neobanks lack, enabling it to offer banking products under its own license rather than through a partner bank arrangement.
MANTL was acquired by Alkami for $400M in Feb 2025; prior to acquisition had 112 bank and credit union clients and raised $96M; platform streamlines consumer and commercial account opening.
About
MANTL is a New York-based fintech company that built digital account origination software for banks and credit unions, enabling them to open consumer and commercial deposit accounts digitally in minutes rather than days. The platform integrates with core banking systems (Jack Henry, Fiserv, FIS) and automates KYC, compliance, and funding workflows — giving community and regional financial institutions the digital account opening capabilities of large bank competitors without extensive custom development.
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