How to Convert Monzo Statements to CSV or Excel

Why Convert Monzo Statements?

Monzo is one of the UK's leading digital challenger banks, with over 9 million customers drawn to its bright coral card, instant notifications, and budgeting tools. While the Monzo app has built-in export features, many users need to convert their official PDF statements — which are required for mortgage applications, visa applications, HMRC submissions, and accountant reviews. Monzo's PDF statements have a clean, modern layout that's designed for readability. BankRead extracts every transaction from Monzo statement PDFs into a structured spreadsheet with AI categorization.

Understanding the Monzo Statement Format

Monzo current account statements use a clean, portrait PDF layout. Transactions are listed chronologically with Date, Description, Amount In, Amount Out, and Balance columns. The header shows the account holder's name, sort code, account number, and statement period. Monzo statements are generated from the app by requesting them under Settings → Statement. The digital-native design means text is always selectable (not scanned), ensuring reliable extraction.

How to Convert with BankRead

Follow these steps to convert your Monzo PDF statement to CSV or Excel:

1. Download your statement, export a spreadsheet, or take a photo — Get the PDF from your Monzo online banking portal (see steps below), export transactions as CSV or Excel, or snap a photo of a paper statement with your phone.
2. Upload to BankRead — Drag and drop the PDF, CSV, Excel, or image on your BankRead dashboard. On mobile, tap "Take Photo" to capture directly with your camera.
3. AI processes your statement — BankRead's AI reads every transaction from text PDFs, spreadsheets, scanned documents, or photos — extracting dates, descriptions, and amounts, then categorizing automatically.
4. Review the extracted data — Check the transaction table on screen to verify the data looks correct. AI categorization is applied automatically.
5. Export to CSV or Excel — Click the export button to download your clean, structured data as a CSV or Excel file.

How to Download Your Monzo Statement PDF

1. Open the Monzo app on your phone.
2. Tap your profile icon, then go to 'Settings.'
3. Tap 'Statements' and select the period (monthly, quarterly, or custom).
4. Choose PDF format and the statement will be emailed to you or available for download.
5. Save the PDF to your computer for uploading to BankRead.

What Data Gets Extracted

BankRead extracts the following fields from your Monzo statement:

• Transaction date (DD/MM/YYYY)
• Description / merchant (e.g., 'Pret A Manger London GBR' or 'Direct Debit - Spotify')
• Amount in (credits, incoming bank transfers, salary)
• Amount out (purchases, direct debits, standing orders)
• Running balance (£)
• AI-assigned category (e.g., Eating Out, Subscriptions, Groceries, Transport)

Export Options

Once your Monzo statement is processed, you can export the data in two formats:

• CSV (Comma-Separated Values) — Ideal for importing into accounting software like QuickBooks, Xero, Wave, or FreshBooks. Compatible with virtually any spreadsheet application including Google Sheets.
• Excel (.xlsx) — Ready-made spreadsheet with formatted columns and headers. Great for custom analysis, pivot tables, VLOOKUP formulas, or sharing with your accountant.

Tips for Monzo Statements

• Monzo statements use digital-native text (not scanned) which provides excellent extraction accuracy.
• Monzo's own in-app categories are not included in the PDF statement. BankRead applies its own AI categorization based on the merchant description.
• Monzo Pot transactions (moving money between pots and the main account) appear as transactions in the statement.
• Custom date range statements from Monzo are supported — they don't need to be monthly.
• Monzo Business account statements follow the same layout as personal accounts and are fully supported.

Common Issues and Solutions

• Monzo's app-native export (CSV from the app) only covers recent transactions and may not match the official PDF statement format required by accountants and HMRC. BankRead converts the official PDF statement format.
• Pot transfers on Monzo statements appear as transactions (e.g., 'Transfer to Savings Pot'). These are real account movements and are included in the extraction.
• Monzo Plus and Monzo Premium features like virtual cards appear as standard transactions in the PDF statement.

Frequently Asked Questions