Convert Monzo PDF Statements to CSV

Why Monzo statements deserve a dedicated converter

Monzo's statement PDF is information-rich: alongside date, description, and amount, every transaction carries a Category, a cleaned Merchant name (so 'TFL TRAVEL CH' becomes 'Transport for London'), and any Note you added in the app. Generic PDF-to-CSV tools collapse all of that into a single Description column and lose the structure that makes Monzo data uniquely useful.

This converter parses the Monzo layout column by column. Output columns include Date, Time, Merchant, Category, Description, Amount (signed), Currency, Local Amount (for FX transactions), Notes, and Address. That's enough detail to drive a YNAB workflow, populate Xero with category-based bank rules, or feed a personal-finance dashboard.

Monzo workflows this tool unlocks

Monzo Business customers use the converter to feed Xero or FreeAgent. Monzo's direct integrations are good but limited to the current subscription tier — exporting a PDF and converting gives the same data without the integration cost, and the Category column maps neatly to bank rules.

YNAB and Lunch Money users export Monzo monthly statements as PDFs, convert to CSV, and import. Monzo's CSV export from the app works for this too, but the PDF version captures Pot transfers as discrete line items, which is useful for budgeters who treat Pots as envelopes.

Freelancers and consultants with a Monzo Business account use the converter at year-end to produce a full transaction history sorted by Category — so the SA103 self-employment pages can be populated by summing 'Income', 'Software', 'Travel', and 'Equipment' rows directly.

Pot transfers are kept as separate rows tagged 'POT' in the Type column so internal movements can be excluded from P&L analysis without losing the audit trail.

Foreign-currency transactions

Monzo's headline feature for many users is fee-free spending abroad on the Mastercard exchange rate. PDF statements include both the GBP charge and the original local currency amount. The converter splits these into Amount (GBP) and Local Amount + Currency columns so you can audit the exchange rate Monzo applied or report foreign expenses in their original currency.

How it works

1. Upload Monzo PDF — Personal or Monzo Business statement
2. Extract Detail — Merchant, category, and amount captured
3. Download CSV — Import to Xero or YNAB

Key benefits

• Preserves Monzo merchant names
• Captures category labels (Eating Out, Transport, etc.)
• Works with Monzo Business statements
• Compatible with YNAB and other budgeting apps
• Pot transfers retained as line items
• Files auto-deleted after 1 hour

Common use cases

• Monzo Business bookkeeping in Xero
• Personal budgeting in YNAB or Lunch Money
• Expense category analysis

Frequently asked questions

What statement periods can I download from Monzo and convert?

Monzo's app generates PDF statements per calendar month from account opening, with no historical limit. Each upload accepts up to 100 pages — typically 6–12 months of an active personal account or 3–4 months of a busy Monzo Business account given the timestamped per-transaction layout.

How are credits and debits handled in the CSV?

Monzo PDFs use a single signed Amount column (positive for incoming, negative for outgoing). The CSV preserves that signed format. If your accounting software needs split Money In / Money Out columns, use Excel: =IF(Amount>0,Amount,0) and =IF(Amount<0,-Amount,0).

How do I import the CSV into Xero, QuickBooks, FreeAgent, or YNAB?

Xero: Manual Statement Import → Generic CSV with Amount as the signed column. FreeAgent: Banking → Upload Statement, headers auto-detect. YNAB and Lunch Money: drop the CSV directly — the Category column maps to YNAB categories with one mapping pass. The Pot transfer rows tagged 'POT' should be excluded from P&L analysis.

Does this work with Monzo Plus, Premium, and Business statements?

Yes. The subscription tier doesn't change the statement PDF layout — only the in-app features. Monzo Business Pro and Business Lite statements include extra tax-category metadata which is preserved as an additional column.

Are Monzo Joint Account and Connected Card statements supported?

Yes. Joint accounts use the same PDF layout and convert identically. Connected Card transactions appear on the parent account statement and convert as standard rows.

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