Cómo convertir estados de Monzo a CSV o Excel

¿Por qué convertir estados Monzo?

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.

Entendiendo el formato de estados Monzo

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.

Cómo convertir con BankRead

Sigue estos pasos para convertir tu estado PDF de Monzo a CSV o Excel:

1. Descarga tu estado, exporta una hoja de cálculo o toma una foto — Obtén el PDF desde tu portal bancario en línea de Monzo, exporta transacciones como CSV o Excel, o toma una foto de un estado en papel con tu teléfono.
2. Sube a BankRead — Arrastra y suelta el PDF, CSV, Excel o imagen en tu panel de BankRead. En móvil, toca 'Tomar foto' para capturar directamente.
3. La IA procesa tu estado — La IA de BankRead lee cada transacción de PDFs de texto, hojas de cálculo, documentos escaneados o fotos — extrayendo fechas, descripciones y montos, luego categorizando automáticamente.
4. Revisa los datos extraídos — Verifica la tabla de transacciones en pantalla para confirmar que los datos son correctos. La categorización IA se aplica automáticamente.
5. Exporta a CSV o Excel — Haz clic en el botón de exportar para descargar tus datos limpios y estructurados como archivo CSV o Excel.

Cómo descargar tu estado PDF de Monzo

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.

Qué datos se extraen

BankRead extrae los siguientes campos de tu estado Monzo:

• 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)

Opciones de exportación

Una vez procesado tu estado Monzo, puedes exportar los datos en dos formatos:

• CSV (valores separados por comas) — Ideal para importar en software contable como QuickBooks, Xero, Wave o FreshBooks. Compatible con prácticamente cualquier aplicación de hoja de cálculo incluyendo Google Sheets.
• Excel (.xlsx) — Hoja de cálculo lista con columnas y encabezados formateados. Ideal para análisis personalizado, tablas dinámicas o compartir con tu contador.

Consejos para estados Monzo

• 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.

Problemas comunes y soluciones

• 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.

Preguntas frecuentes