How to get a Varo bank statement
- Sign in to Varo online at varomoney.com.
- Open the account and choose Statements or Export.
- Pick CSV or PDF and a date range.
- Upload the file to Karchu.
What is a Varo bank statement
A Varo bank statement is the official record of every transaction posted to your Varo account during a given period, along with the opening and closing balance. It is the same document your lender, landlord, or accountant will ask for when they need proof of income, proof of address, or documentation for a bank statement loan or mortgage. A Varo statement typically covers one month, but you can export any custom date range from online banking.
What Karchu does with your Varo data
Once the file is uploaded, Karchu extracts every transaction, normalizes the columns, and applies rule-based categorization. You see a dashboard within seconds with total income and expenses, category breakdown, top merchants, recurring subscriptions, and any anomalies worth a second look. Every categorization is explainable, so if a transaction lands in the wrong bucket you can open the rule that decided it and edit it once. The change applies retroactively across every Varo statement you upload.
Varo statement to Excel and CSV
Karchu works as a Varo PDF to Excel converter and a Varo statement to CSV converter. Upload a scanned or digital PDF and download a clean spreadsheet with dates, descriptions, amounts, and categories in separate columns, ready for QuickBooks, Xero, or your own workbook. There is no signup required to try a single statement, no bank login, and no aggregator like Plaid.
Varo export notes
Varo statements sometimes ship as PDF only. Karchu OCRs the file and reconstructs the transaction table.
Common uses for a Varo statement analyzer
- Preparing 3 month or 6 month bank statements for a mortgage or bank statement loan application.
- Using a Varo statement as proof of address or proof of income.
- Reconciling a Varo account against a business ledger or a personal budget.
- Separating business and personal expenses from a single Varo account.
- Tracking recurring subscriptions and finding forgotten charges.
- Building a monthly cash flow view from raw Varo transactions.
Privacy for Varo statements
Karchu never asks for your Varo online banking password and never uses a bank aggregator. CSV and Excel files are parsed in your browser before anything is saved. Saved data lives in a private workspace protected by row-level security. See the security page for details.
Frequently asked questions about Varo statements
How do I get a Varo bank statement online?
Sign in to Varo online banking, open the account, choose Statements or Export, pick a date range, and download the PDF, CSV, or Excel file. The exact steps for Varo are listed on this page.
Is a Varo bank statement proof of address?
Yes. Most landlords, government agencies, and lenders accept a recent Varo statement dated within the last three months as proof of address, as long as it shows your full name and current address.
What does a Varo bank statement look like?
A Varo statement includes a header with your name, address, account number, and statement period, followed by a transaction table with date, description, amount, and running balance, and a summary of opening and closing balance plus total credits and debits.
Can I use a Varo statement for a mortgage or bank statement loan?
Yes. Bank statement loans use 12 to 24 months of Varo statements to verify income for self-employed borrowers. Karchu can summarize deposits, average monthly income, and recurring expenses across a full set of Varo statements in one view.
Does Karchu need my Varo online banking password?
No. Karchu never asks for your Varo login and does not use a bank aggregator. You upload the statement file directly and Karchu parses it locally in your browser before anything is saved.
Can Karchu convert a Varo PDF statement to Excel or CSV?
Yes. Upload any Varo PDF, scanned or digital, and Karchu returns a clean spreadsheet with date, description, amount, and category columns ready for Excel, Google Sheets, QuickBooks, or Xero.