Varo Bank

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/
    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: [email protected]