One export, three formats, Pots included
Monzo keeps this refreshingly simple. A single export covers all your transactions, including Pots, and you choose the output format at the moment of download. There's no separate "activity feed" and "official statement" split to navigate — the same screen produces the PDF you'd hand to a landlord and the CSV you'd open in a spreadsheet.
Pots being included matters more than it sounds. If you use them to set money aside, transfers in and out will appear in the file, and they can look like spending when they're really just money moving between your own pockets.
Export your Monzo transactions
- Open the Monzo app and tap Home in the menu bar.
- Tap the three dots underneath your card.
- Select Bank statements.
- Choose the date range you want.
- Pick the format — PDF, CSV or QIF — and download.
The date range is free-form, so you're not limited to whole calendar months. For spending analysis, pulling a clean twelve months in one go works better than stitching together twelve monthly files.
Business accounts and automatic exports
On a business account the path is the same — tap the three dots on your business card, then Bank statements, then choose a period and the CSV format.
Monzo Business also offers an automatic export worth setting up if you reconcile monthly: opt in and Monzo creates a Monzo Business folder in your Google Drive or Microsoft OneDrive, then drops last month's statement there on the 1st of each month, in PDF, CSV or QIF. You can disconnect the account from the app at any time.
For other European accounts, the process is close at N26 and Wise.
Once you have the CSV, the point is to actually read it across several months. Recurring charges tend to hide in plain sight — dormant subscriptions, services you pay for twice, prices that went up without you noticing.
