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FinLad

How to import a Monobank statement

Updated 2026-08-29

A statement is the cheapest way to keep books: the bank has already recorded everything for you. Here is where to find it in Monobank — one of Ukraine’s largest banks — which format to take, and what to do with the transactions after the import.

Where to get the statement

  1. 1In the Monobank app, open the card you need and tap “Statement”.
  2. 2Choose the period. For a first import take three months: enough to see your habits, and not so much that sorting it takes half a day.
  3. 3Choose the format and send the file to yourself — by email, or through any messenger you can conveniently open on your phone.

CSV or PDF

CSV is a table: date, amount, description, balance. Any tracking app can read it, and it is the one to take whenever you have the choice.

PDF is a printed statement. It can be parsed too, but its text is laid out for eyes rather than for a program: merged columns and wrapped lines happen regularly. Take PDF when CSV is not available.

FinLad reads both, and XLSX as well. The columns are worked out on their own — even when the headers are in Windows-1251, or carry a Latin “i” in the middle of a Ukrainian word. Statement import is part of the Plus plan.

What the import does, and what is left to you

  • Duplicates do not come in twice: load the same file again, or let two periods overlap, and the transactions are not doubled.
  • A cash withdrawal becomes a transfer to “Cash” rather than an expense — otherwise every trip to an ATM would look like a five-thousand purchase.
  • The bank does not know your categories. Nobody does the first sort for you: an unfamiliar merchant is worked out once, and after that the app files its spending itself, on the device.
  • The description of a transaction is whatever the bank wrote. “LLC TRADE GROUP” stays exactly that until you tie it to a category.

Statement, or a direct connection

Monobank issues a personal token: you create it yourself in the section for developers and paste it into the app, after which transactions arrive without any files. The token is read-only — money cannot be moved with it, and your banking password is not entered anywhere.

A file stays the better option in two cases: when you need history deeper than the connection gives, and when the bank is not yours. A statement can be read from any bank; a connection only from the one that offers it.