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 Visa card, and a personal line of credit. Founded as Varo Money and operating as Varo Bank, N.A., it became the first consumer fintech company to receive a national bank charter in the United States (2020).
- Varo Bank Account — Fee-free checking with early direct deposit (up to 2 days), 55,000+ free Allpoint ATMs, cashback rewards, and cash deposits at 7,500+ CVS locations.
- Varo Savings Account — High-yield savings at up to 5.00% APY on the first $5,000; 2.50% APY above that threshold.
- Varo Advance — Short-term cash advances from $20–$500 with a flat fee (no interest), repaid on next direct deposit.
- Varo Personal Line of Credit — Up to $2,000 with a single flat fee, no interest, no late fees, repayment terms up to 12 months.
- Varo Believe — Secured Visa credit-builder card with no annual fee or interest; reports to all major credit bureaus.
Varo does not offer a public developer API or a developer portal. Probes of developer., developers., and docs.varomoney.com do not resolve, and api.varomoney.com (the private mobile-app backend) returns a Cloudflare origin error. The varobank GitHub org has a single archived, non-API public repo. Internally, Varo has described a federated GraphQL supergraph over ~88 microservices, but that contract is not published; the graphql/ schema in this repo is a conceptual model only.
The only real seam for third-party programmatic access to Varo account data is customer-permissioned open-finance aggregation — most notably a native, documented Plaid integration, with data also reachable through MX, Finicity, and Akoya in the broader US ecosystem. Varo publishes no FDX conformance or CFPB Section 1033 data-access developer documentation. See review.yml for the full honest assessment.
- Website: https://www.varomoney.com/
- Help Center: https://support.varomoney.com/hc/en-us
- Blog: https://www.varomoney.com/blog/
- Engineering Blog: https://medium.com/engineering-varo
- LinkedIn: https://www.linkedin.com/company/varobank
- X (Twitter): https://x.com/varobank
- Open Banking Tracker: https://www.openbankingtracker.com/provider/varomoney
- Plaid Customer Story: https://plaid.com/customer-stories/varo/
This repository contains an APIs.json profile (specification version 0.19) cataloging Varo Bank's consumer-facing API surface, pricing, rate limits, and FinOps reference.
Maintained by Kin Lane / API Evangelist.