Banking made easier. Just ask Fargo®.

Fargo1, your virtual assistant in the Wells Fargo Mobile® app, helps you handle banking tasks, find answers, and get useful account insights.

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Product showcase. Animation showing Fargo's Insights feature in the Wells Fargo Mobile app.

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See what Fargo can do for you

Plan ahead with confidence

Plan ahead with confidence

Fargo can show your scheduled and forecasted upcoming transactions, so you can avoid surprises and plan for what’s ahead.

  • Balance forecast: See a 30-day view of your predicted balance based on recurring transactions.
  • Activity forecast: View projected and scheduled transactions for the next 14 days.

Transcript Screen images simulated and sequences shortened.

[Video Overview: Demonstration of Fargo, Wells Fargo’s banking virtual assistant in the mobile app. This video shows an interaction with Fargo on a mobile phone screen that demonstrates reviewing a balance forecast.]

[The Fargo welcome screen appears on an outline of a mobile phone.

A summary screen appears asking Fargo to Forecast my balance.

A second summary screen states: Here’s how upcoming scheduled and predicted transactions could affect your balance.

A graph shows a 30-day balance forecast as the screen scrolls down to reveal a possible balance for scheduled bill pay and for predicted balances monthly, based on recurring history.]

Keep tabs on spending

Keep tabs on spending

Get a clear view of your spending habits — empowering you to take control of how you spend your money.

  • Spending insights: View monthly spending by category or merchant to see where you spend the most.
  • Subscription insights: Keep tabs on recurring charges and subscriptions across your Wells Fargo accounts.

Transcript Screen images simulated and sequences shortened.

[Video Overview: Demonstration of Fargo, Wells Fargo’s banking virtual assistant in the mobile app. This video shows an interaction with Fargo on a mobile phone screen that demonstrates reviewing a spending summary.]

[The Fargo welcome screen appears on an outline of a mobile phone.

A summary screen appears asking Fargo for a Spending Summary.

A second summary screen appears with three tabs: Summary, Category, and Merchant.

The summary tab is highlighted. A graph shows a comparison of spending between December and January.

A yellow dot taps the Category tab.

A pie chart appears showing spending in different categories as the screen scrolls down to reveal a list of spending in top categories including bills/utilities, shopping, food/drink, credit card, auto/transport, and other categories.]

Simplify banking tasks

Simplify banking tasks

Effortlessly handle your bills in a single view, find your routing number, transfer funds,2 and more. Try these prompts to see Fargo in action:

  • “Which bills are due?”
  • “Make a payment or transfer.”
  • “View Zelle®3 transactions.”
  • “Show recent transactions.”
  • “Find my routing number.”
  • “I need to turn my card off.4”

Transcript Screen images simulated and sequences shortened.

[Video Overview: Demonstration of Fargo, Wells Fargo’s banking virtual assistant in the mobile app. This video shows an interaction with Fargo on a mobile phone screen that demonstrates how to view bills.]

[The Fargo welcome screen appears on an outline of a mobile phone.

A summary screen appears asking Fargo to view bills.

A second summary screen states: Here’s what I found. Which would you like to pay? The screen shows credit card and mortgage bills that are due and other bills as the screen scrolls down.]

Getting started is easy

QR code. Leads to the Wells Fargo Mobile app download page.
Download on the App StoreGet it on Google Play

Scan the code to download the Wells Fargo Mobile® app. Rated 4.9 on the App Store® as of May 19, 2025.

Available in the Wells Fargo Mobile® app. Rated 4.9 on the App Store® as of May 19, 2025.

Product showcase. Need help screen in the Wells Fargo Mobile app.

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Log in and look for the purple Fargo icon in the search bar. Available in English and Spanish.5

Product showcase. View bills screen in the Wells Fargo Mobile app.

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Type or select the microphone to get started. Now go ahead — ask Fargo.

Frequently asked questions

What can I do with Fargo?

Fargo can help with everyday banking tasks and provide quick answers, such as:

  • Providing insights into spending trends.
  • Transferring between accounts and sending money with Zelle®.
  • Updating account and card settings.

What sort of insights does Fargo show?

With Fargo’s personalized insights, you can:

  • Get your latest Activity or Balance Forecast based on your predicted transactions.
  • View your subscriptions and recurring charges across Wells Fargo accounts.
  • See your spending breakdown by month, category, and merchant.

How do I chat with Fargo?

You can speak or type your questions anytime. Fargo responds in clear, easy-to-read text.

What languages does Fargo support?

Fargo is available in English and Spanish.

What happens if Fargo can’t answer my question?

If Fargo can’t answer your question, Fargo will direct you to Customer Service to speak with someone who can help.

Who is able to use Fargo?

Fargo is available to Wells Fargo customers that have a consumer account.

How can I get Fargo?

Fargo is available for smart phones in the Wells Fargo Mobile® app. Download the latest version from your app store to get started.

  1. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply. Fargo is only available on the smartphone versions of the Wells Fargo Mobile® app.
  2. Terms and conditions apply. Setup is required for transfers to and/or from other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.
  3. Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account enrolled with Zelle® through their bank. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft, Small Business Account Analysis fees) may apply to Wells Fargo account(s) with which you use Zelle®.
  4. Turning off your card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the card will also be turned off. For debit cards, turning off your card will not stop transactions using other cards linked to your deposit account. For credit cards, turning off your card will turn off all cards associated with your credit card account. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier's message and data rates may apply.
  5. Wells Fargo Online® and the Wells Fargo Mobile® app may not be available in Spanish to all customers and some products, services, and communications may only be offered in English.


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Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.


Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Wells Fargo Bank, N.A. Member FDIC.

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