Convert Varo Bank Statement to CSV, Excel & QBO (2026)

Varo Bank is a nationally chartered digital bank serving over 7 million accounts. In 2020, Varo became one of the first consumer fintechs to receive a full national bank charter from the OCC, making it a true FDIC-insured bank rather than a fintech wrapper on top of a partner bank. That said, Varo is entirely mobile-first, and it offers zero options for exporting your transaction data in any structured format. No CSV, no Excel, no OFX, no QBO. If you need your Varo transactions in a spreadsheet for budgeting, taxes, bookkeeping, or accounting software, you have to convert the PDF. This guide shows you how.

Can You Download CSV Directly from Varo?

No. Varo Bank is one of the most locked-down banks when it comes to data exports. Unlike traditional banks that sometimes offer CSV or QFX downloads, Varo provides absolutely no structured export options. Here is what you are working with:

• No CSV or Excel export: Varo provides statements exclusively as PDF files. There is no built-in option to download transactions as CSV, Excel, or any structured format from the app or website.
• No web dashboard: Varo is a mobile-app-only banking experience. There is no desktop website where you could log in and download transactions. Everything happens inside the iOS or Android app.
• No OFX, QFX, or QBO downloads: Varo does not support any accounting file formats for direct import into QuickBooks, Quicken, or other software. There is no Direct Connect or Web Connect integration.
• Believe card has no Plaid support: While Varo checking and savings accounts connect to third-party apps via Plaid, the Varo Believe secured credit card does not. That means Believe card transactions cannot be pulled into budgeting apps or accounting software automatically.

The bottom line: if you want your Varo transactions in a spreadsheet or accounting software, you need to download the PDF statement from the app and convert it. That is where CapyParse comes in.

Varo Statement Formats and Quirks

Varo keeps its statement layout relatively clean, but there are important differences across its three account types. Here is how they compare:

Key things to know: Varo Bank, N.A. is a nationally chartered bank regulated by the OCC and insured by the FDIC up to $250,000. Unlike Chime or Cash App (which rely on partner banks), Varo holds deposits directly. Varo-to-Varo and ATM transactions may show incomplete descriptions on the PDF statement, so check the app for full details. CapyParse extracts whatever text is present on the PDF and preserves it exactly as shown.

Convert Varo PDF to CSV with CapyParse (Step-by-Step)

Here is how to convert any Varo statement PDF into a clean CSV, Excel, or QBO file using CapyParse:

Varo Account Types and Features

Varo Bank, N.A. is a nationally chartered digital bank headquartered in San Francisco. It received its full-service national bank charter from the OCC on July 31, 2020, becoming one of the first consumer fintechs to do so. Here is what each account type offers and what to expect on your statements:

Varo Bank Account (Checking)

Varo's checking account has no monthly fees, no minimum balance, and no overdraft fees. It comes with a Visa debit card and supports fee-free access to over 40,000 Allpoint ATMs. Statements include direct deposits from employers, debit card purchases, ATM withdrawals, peer-to-peer transfers, and Varo Advance cash advances (up to $250 for eligible customers). Varo-to-Varo transfers and some ATM transactions may appear with abbreviated descriptions on the PDF, so the app sometimes shows more detail than the statement itself. CapyParse extracts all transaction data exactly as it appears on the PDF.

Varo Savings Account

Varo's savings account offers up to 5.00% APY on balances up to $5,000 (2.50% APY above that) when you meet the qualifying direct deposit threshold of $1,000 or more per month and maintain a positive balance in both accounts. Without qualifying deposits, the base rate is 2.50% APY. Savings statements show transfers from your checking account, interest earned, and automatic savings contributions if you have enabled Varo's "Save Your Pay" or round-up features. CapyParse correctly identifies interest payments and internal transfers, keeping your spreadsheet clean and accurate.

Varo Believe Secured Credit Card

Varo Believe is a secured credit card designed to help customers build or rebuild credit. You transfer funds from your Varo checking account into a Secured Account, and that amount becomes your credit limit. There is no annual fee, no interest charged, and no credit check required. On average, customers report a 40+ point credit score increase after 3 months of on-time payments. Believe card statements show purchases, payments, and your available credit. Importantly, the Believe card does not support Plaid connections, which means third-party budgeting apps and accounting software cannot pull Believe card data automatically. Converting the PDF statement with CapyParse is often the only practical way to get Believe card transactions into a spreadsheet.

Import Into QuickBooks, Excel, or Google Sheets

QuickBooks

Varo does not support OFX Direct Connect or Web Connect with QuickBooks, so there is no automatic bank feed available. The most reliable approach: export your Varo statement as a QBO file from CapyParse and import it directly into QuickBooks via Banking > Upload transactions. You can also use the CSV export and map the columns manually. For a detailed walkthrough, see our guide on importing bank statements into QuickBooks.

Excel and Google Sheets

The CSV export opens directly in Excel or Google Sheets. All transaction fields (date, description, amount, balance) appear in separate columns, ready for sorting, filtering, pivot tables, or custom formulas. This is ideal for building personal budgets, tracking spending categories, or analyzing your saving patterns. The Excel (.xlsx) export is also available if you prefer native spreadsheet formatting. For more details, see our Google Sheets import guide.

Budgeting Apps

Varo checking and savings accounts support Plaid, so most budgeting apps (YNAB, Monarch Money, Copilot) can pull transactions automatically. However, the Varo Believe card does not support Plaid, leaving a gap in your financial picture. Convert your Believe card statement to CSV with CapyParse and import it manually into your budgeting app to fill that gap. This also serves as a reliable backup if your Plaid connection to Varo ever drops or lags behind.

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