aid: varo
name: Varo Bank
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. Its consumer-facing APIs power
  high-yield savings, fee-free overdraft protection, instant transfers, and cash advance
  features for personal financial services. Third-party integration is available via
  Open Banking aggregators such as Plaid.
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
url: https://raw.githubusercontent.com/api-evangelist/varo/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
tags:
- Banking
- Fintech
- Consumer Finance
- Savings
- Cash Advance
- Credit Builder
- Open Banking
- Mobile Banking
- Digital Bank
apis:
- aid: varo:varo-bank-account
  name: Varo Bank Account API
  description: Consumer-facing banking API providing fee-free checking account services,
    early direct deposit, debit card management, ATM access, and cashback rewards.
    Accessible to third-party applications via Open Banking aggregators such as Plaid.
  humanURL: https://www.varomoney.com/bank-account/
  baseURL: https://api.varomoney.com
  tags:
  - Checking Account
  - Direct Deposit
  - Debit Card
  - ATM
  - Open Banking
  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-savings-account
  name: Varo Savings Account API
  description: High-yield savings account API delivering up to 5.00% APY on balances
    up to $5,000, with automated savings tools and no fees. Accessible via Open Banking
    aggregators for balance and transaction data.
  humanURL: https://www.varomoney.com/savings-account/
  baseURL: https://api.varomoney.com
  tags:
  - Savings
  - High-Yield
  - APY
  - Open Banking
  properties:
  - type: Documentation
    url: https://support.varomoney.com/hc/en-us
  - type: PlaidIntegration
    url: https://plaid.com/customer-stories/varo/
  contact:
  - FN: Varo Bank Support
    url: https://support.varomoney.com/hc/en-us
- aid: varo:varo-advance
  name: Varo Advance (Cash Advance) API
  description: Cash advance API enabling eligible customers to access short-term funds
    ($20–$500) with flat fees and no interest, repaid on the next direct deposit.
    Exposes overdraft protection and instant liquidity features for consumer financial
    services.
  humanURL: https://www.varomoney.com/cash-advance/
  baseURL: https://api.varomoney.com
  tags:
  - Cash Advance
  - Overdraft Protection
  - Short-Term Credit
  - Fintech
  properties:
  - type: Documentation
    url: https://support.varomoney.com/hc/en-us
  contact:
  - FN: Varo Bank Support
    url: https://support.varomoney.com/hc/en-us
- aid: varo:varo-line-of-credit
  name: Varo Personal Line of Credit API
  description: Personal credit API offering up to $2,000 with a single flat fee, no
    interest, and repayment terms up to 12 months. Designed to provide flexible, consumer-friendly
    credit access with no late fees or prepayment penalties.
  humanURL: https://www.varomoney.com/line-of-credit/
  baseURL: https://api.varomoney.com
  tags:
  - Line of Credit
  - Consumer Lending
  - Fintech
  properties:
  - type: Documentation
    url: https://support.varomoney.com/hc/en-us
  contact:
  - FN: Varo Bank Support
    url: https://support.varomoney.com/hc/en-us
- aid: varo:varo-believe
  name: Varo Believe Credit-Builder API
  description: Secured Visa credit card API supporting credit-building features including
    on-time payment tracking, credit bureau reporting, and credit score monitoring.
    Average 40+ point credit score improvement for customers after 3 months.
  humanURL: https://www.varomoney.com/credit-builder/
  baseURL: https://api.varomoney.com
  tags:
  - Credit Builder
  - Secured Card
  - Credit Score
  - Fintech
  properties:
  - 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: Website
  url: https://www.varomoney.com/
- type: Documentation
  url: https://support.varomoney.com/hc/en-us
- type: GitHubOrg
  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: StatusPage
  url: https://statusgator.com/services/varo
- type: X
  url: https://x.com/varobank
- 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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com