How to Import Transactions from a CSV File

CSV (comma-separated values) is the most common export format from budgeting apps, banks, and spreadsheet tools. Moneko's import wizard makes it straightforward to bring historical transactions in from a CSV, TSV, or TXT file.

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What you need before importing

• A CSV, TSV, or TXT export from your bank, budgeting app, or spreadsheet.
• The file should contain at least a Date column and an Amount column (or separate Debit and Credit columns).
• Optional but helpful columns: Category, Description, Merchant, Currency, Type, Reference, and Balance.
• Save the file as UTF-8 encoding to avoid text-encoding errors.

If your tool exports in a proprietary format, open it in a spreadsheet app and re-save it as CSV before importing.

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Step 1: Open the import wizard

1. Open the Home screen in the Moneko mobile app.
2. Tap the AI capture button (the round action button).
3. In the sheet that appears, choose Files.

The import wizard opens with a three-step timeline: Select File, Map Columns, Preview.

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Step 2: Select a source and pick your file

1. Choose the app you are importing from. Moneko supports YNAB, Monarch, Copilot, PocketGuard, Splitwise, EveryDollar, Cashew, Mint, Goodbudget, Spendee, and Other.
2. A hint card tells you exactly which file to upload for that source.
3. Tap the file row to open the file picker.
4. Select your CSV, TSV, or TXT file.

Moneko parses the file locally and auto-maps the columns. If the mapping confidence is high and most sample rows parse cleanly, you skip straight to the preview. Otherwise, you land on the Map Columns step.

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Step 3: Map columns (if needed)

If the auto-mapping confidence is low, you will see the Map Columns step.

Required fields:

• Date — the transaction date.
• Amount — the transaction amount, OR enable the Split Debit/Credit toggle and map both Debit (money out) and Credit (money in) columns. Moneko computes amount = credit − debit.

Optional fields:

• Category, Description, Merchant, Currency, Type (expense/income), Reference, and Balance.

To map a field:

1. Tap the field row.
2. Pick the matching column from the action sheet.
3. Choose None to leave a field unmapped.

A format badge may appear showing the detected bank or app format (for example Chase, Bank of America, Wells Fargo, Revolut, N26, Wise, PayPal, or Debit/Credit Split). This confirms Moneko recognized the layout.

Tap Next when the required fields are mapped.

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Step 4: Preview and confirm

The preview step is where you verify everything before saving.

Summary card:

• Total rows, valid rows, rows with errors, and duplicates.
• Choose where transactions go: your personal account or a shared household space.
• Pick the specific wallet/account that will receive the transactions. The list filters to accounts matching the currency of your rows.

Row list:

• Tap any row to open the edit sheet and fix the date, amount, category, description, merchant, currency, or income/expense type.
• When you change a category, Moneko offers to apply the same category to all matching transactions at once.
• Rows with errors are excluded from the import automatically.

Options:

• Skip Duplicates toggle (on by default) — rows that already exist in Moneko are not imported again.
• If the mapping step was auto-skipped, a banner lets you go back and review the mapping.

When you are ready, tap Import (N) to save the valid rows.

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After the import

A progress dialog shows live status as Moneko saves rows in batches. When the import finishes, a completion dialog reports:

• Imported: rows successfully saved.
• Failed: rows that could not be saved.
• Duplicates: rows skipped because they already existed.

Moneko then refreshes your data so the new transactions appear immediately in your dashboard, analytics, and wallet balances.

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CSV import tips

• Use UTF-8 encoding. If you get an encoding error, re-save the file as UTF-8 from your spreadsheet app.
• Unambiguous dates. Formats like YYYY-MM-DD reduce parsing errors. If a date fails, fix it in the preview edit sheet.
• One currency per file is cleanest. If your file has mixed currencies, map the Currency column so each row keeps its native currency.
• Split large files. Very large CSVs are processed in batches of 250 rows. If a file is extremely large, consider splitting it into smaller files for easier review.
• Export from the source, not a screenshot. Use the official CSV export from your bank or app rather than manually retyping data.

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Troubleshooting CSV imports

Problem	Solution
Encoding error	Re-save the file as UTF-8 encoding
Wrong columns mapped	Go back to Map Columns from the preview and re-map manually
Rows showing date errors	Tap the row in preview and fix the date format
Rows showing amount errors	Tap the row and fix the amount, or check for non-numeric characters
Too many duplicates flagged	Turn off Skip Duplicates if you confirmed the rows are genuinely missing
Session expired	Sign back into Moneko and retry the import

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Related help

• Importing transaction history safely
• How to import and export data in Moneko
• How to import transactions from an Excel file
• How to import transactions from a PDF statement
• Migrating from other budgeting apps