Everything starts with the PDF. Here is where Varo Bank keeps its statements, how far back the archive reaches, and how to pull exactly the months you need.
Privacy: uploaded files and generated exports are stored only briefly to complete your download and are automatically deleted within 15 minutes. Files are never used for any other purpose.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
Statements are issued per account, and access follows the account's authorized signers. On a joint account either holder can usually download; on business accounts, users with view-only online access may or may not see the documents area depending on how the business enrolled. If the statements you need sit behind permissions you do not hold, the account owner downloading them directly is faster than any workaround — and the PDFs are all you need to hand over.
Varo Bank has no branches and no paper workflow: the documents area of the app or website is the whole archive, holding statements alongside tax documents and account notices. That is an advantage for bookkeeping — every period is a first-generation digital PDF, the cleanest possible input for conversion. It also means there is no branch fallback for very old periods, so download history earlier rather than later if an account may close. Varo Bank statements are generated digitally from the first day of the account — there is no paper original — and each period's PDF prints the balances the conversion is checked against. Varo Bank is a online bank headquartered in San Francisco, California.
A year of Varo Bank statements is twelve to thirteen files per account, and they will be reopened for months. Name them on a system the moment they land — account, then year-month of the closing date — and keep one folder per account inside one folder per year. The payoff comes at reconciliation time: a missing month shows up as a break in the file sequence before it shows up as a mystery in the numbers, and any single statement can be found in seconds when a flagged row needs checking against the original.
Closed-account statements usually require a direct request to the bank, since online access often ends at closure. The PDFs or scans they provide convert the same way.
It adds the extracted transactions to the statement's opening balance and compares the result with the closing balance — and checks running balances row by row where printed. Downloads that do not tie are flagged, never passed silently.
Yes — that is the normal flow. Download the PDFs and send them as issued; your bookkeeper converts and verifies them. Never send online banking passwords; statements are all a bookkeeper needs from the bank.
Some relationships offer combined statements covering several accounts in one PDF. Download it once, then convert each account's section separately so every account keeps its own balance check.
Usually, yes. The converter detects pages stored rotated and reads them in their displayed orientation; a genuinely sideways scan is reported honestly rather than guessed at. If a page is flagged, re-scanning that page flat and upright is the reliable fix.
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Your first conversion is free — no card, no sign-up — and every result is checked against the statement itself before you download it.