Varo Bank

aid: varo
url: https://raw.githubusercontent.com/api-evangelist/varo/refs/heads/main/apis.yml
name: Varo Bank
kind: company
description: Varo Bank is a mobile-first, FDIC-chartered digital bank offering fee-free checking and high-yield savings accounts,
  early direct deposit, instant cash advances, a credit-builder card, and a personal line of credit. Varo does not operate
  a public, first-party developer API or developer portal; its consumer banking data is reachable by third-party applications
  only through US open-finance aggregators such as Plaid (a documented, native integration), and potentially MX, Finicity,
  or Akoya. The surface catalogued here maps Varo's real consumer product family and the aggregator seam through which that
  data is accessed.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/varo.png
tags:
- Banking
- Fintech
- Consumer Finance
- Savings
- Cash Advance
- Credit Builder
- Open Banking
- Mobile Banking
- Digital Bank
- United States
created: '2026-06-13'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: varo:varo-bank-account
  name: Varo Bank Account API
  description: Consumer-facing checking-account capability of Varo Bank, N.A., covering fee-free checking, early direct deposit
    (up to two days early), debit card management, access to 55,000+ Allpoint ATMs, cash deposits at retail locations, and
    cashback rewards. Varo publishes no first-party API documentation for this product; account balance and transaction data
    are reachable by third-party applications only via US open-finance aggregators such as Plaid, MX, Finicity, or Akoya under
    customer-permissioned data access.
  humanURL: https://www.varomoney.com/bank-account/
  baseURL: https://api.varomoney.com
  tags:
  - Checking Account
  - Direct Deposit
  - Debit Card
  - ATM
  - Open Banking
  - United States
  properties:
  - type: Documentation
    url: https://support.varomoney.com/hc/en-us
  - type: OpenBankingTracker
    url: https://www.openbankingtracker.com/provider/varomoney
  - type: PlaidIntegration
    url: https://plaid.com/customer-stories/varo/
  - url: graphql/varo-graphql.md
    type: GraphQL
  contact:
  - FN: Varo Bank Support
    url: https://support.varomoney.com/hc/en-us
- aid: varo:varo-aggregator-access
  name: Varo Aggregator Data Access (Plaid)
  description: The real, documented seam through which third-party applications reach Varo Bank account data. Varo runs a
    native Plaid integration that lets customers link their Varo accounts to external financial apps and permission the sharing
    of balances, transactions, identity, and account/routing details. In the broader US open-finance ecosystem Varo data is
    also reachable through other aggregators (MX, Finicity, Akoya, Yodlee). This is aggregator-mediated access under the customer's
    consent — not a Varo-published first-party API — and carries Plaid's authentication (OAuth-style permissioned linking),
    not any Varo-issued API credentials.
  humanURL: https://plaid.com/customer-stories/varo/
  baseURL: https://production.plaid.com
  tags:
  - Open Banking
  - Aggregator
  - Plaid
  - Data Access
  - Account Aggregation
  - United States
  properties:
  - type: PlaidIntegration
    url: https://plaid.com/customer-stories/varo/
  - type: OpenBankingTracker
    url: https://www.openbankingtracker.com/provider/varomoney
  - type: Documentation
    url: https://support.varomoney.com/hc/en-us
  contact:
  - FN: Varo Bank Support
    url: https://support.varomoney.com/hc/en-us
common:
- type: VulnerabilityDisclosure
  url: security/varo-vulnerability-disclosure.yml
- type: Security
  url: https://www.varomoney.com/.well-known/security.txt
- type: DomainSecurity
  url: security/varo-domain-security.yml
- type: WellKnown
  url: well-known/varo-well-known.yml
- type: SecurityTxt
  url: well-known/varo-security.txt
- type: LLMsTxt
  url: llms/varo-llms.txt
- type: Website
  url: https://www.varomoney.com/
- type: Documentation
  url: https://support.varomoney.com/hc/en-us
- type: Support
  url: https://support.varomoney.com/hc/en-us
- type: GitHubOrganization
  url: https://github.com/varobank
- type: LinkedIn
  url: https://www.linkedin.com/company/varobank
- type: Blog
  url: https://www.varomoney.com/blog/
- type: EngineeringBlog
  url: https://medium.com/engineering-varo
- type: Pricing
  url: https://www.varomoney.com/bank-account/
- type: TermsOfService
  url: https://www.varomoney.com/privacy-legal/
- type: PrivacyPolicy
  url: https://www.varomoney.com/privacy-legal/
- type: StatusPage
  url: https://statusgator.com/services/varo
- type: X
  url: https://x.com/varobank
- type: OpenBankingTracker
  url: https://www.openbankingtracker.com/provider/varomoney
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/varo/refs/heads/main/plans/varo-plans-pricing.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/varo/refs/heads/main/rate-limits/varo-rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/varo/refs/heads/main/finops/varo-finops.yml
- type: ProductPage
  url: https://www.varomoney.com/savings-account/
- type: ProductPage
  url: https://www.varomoney.com/cash-advance/
- type: ProductPage
  url: https://www.varomoney.com/line-of-credit/
- type: ProductPage
  url: https://www.varomoney.com/credit-builder/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com