How to Convert a Monzo PDF Bank Statement to CSV or Excel

Monzo offers in-app CSV export, but it's limited to recent transactions and the format doesn't always play nicely with accounting software. Here's how to convert any Monzo PDF statement into clean CSV or Excel data — for free, in a few seconds.

By Jack Whitehead 1 March 2026 5 min read

Watercolour illustration of a Monzo bank statement flowing from phone to spreadsheet

Why Convert Monzo PDFs When CSV Export Exists?

Monzo is a digital-only bank — everything runs through the app. You can export recent transactions as CSV via Account > Statements > Export, which is handy for quick checks. But that in-app export has real limitations:

Limited date range — you can only export recent transaction history, not older periods
Format inconsistencies — some accounting software struggles to import Monzo's native CSV format due to column naming or date formatting differences
No annual statements — Monzo generates PDF annual statements, but there's no corresponding CSV export for these
Archived transactions — transactions from closed pots or older account activity may not appear in the CSV export

PDF statements, on the other hand, are available for any period. Monzo generates monthly and annual statements as downloadable PDFs. Converting these to CSV gives you structured data from any time range.

Quick answer: Use ReconcileIQ's free PDF converter. Select Monzo, upload your PDF, and download clean CSV or Excel output. Your first statement of up to 10 pages converts free on a new account.

How to Convert Your Monzo Statement (4 Steps)

Download the statement from Monzo
Sign in to Monzo online banking and download the PDF statement for each period you need. One PDF per statement period.
Create a free account
Register from the converter page, then open ReconcileIQ and open the PDF converter inside it. There is no bank to pick from a list — the extraction reads whatever layout is in front of it, which is why statements from banks we have never seen convert just as well.
Upload your PDF
Drag and drop or click to browse. The file is uploaded over an encrypted connection and read on our servers, which is what lets scans and photos work as well as native PDFs.
Download your CSV or Excel file
Review the extracted transactions on screen, then download as CSV (for accounting software import) or Excel (for spreadsheet analysis).

Privacy note: Your statement is uploaded over an encrypted connection and read on our servers rather than in the browser. That is a deliberate trade: it is what allows scanned and photographed statements to convert, not just native PDFs.

The ReconcileIQ PDF converter upload area accepting PDF and photo bank statements — **Step 1 in the tool.** The converter accepts native Monzo PDFs, scans and photos of paper statements, up to 12 files at once. The per-transaction cost is stated up front before anything runs.

A completed PDF conversion showing 35 extracted transactions with download and reconcile options — **The result.** A one-month statement converted to 35 clean rows. From here you can download the CSV for your accounting software, or push it straight into a reconciliation without re-uploading.

What the Converter Extracts

The Monzo parser extracts these fields from your PDF statement:

Date — transaction date in a clean, sortable format
Description — merchant or payee name and transaction details
Amount — correctly signed (negative for debits, positive for credits)
Balance — running balance after each transaction
Category — Monzo's spending category (Eating Out, Transport, Bills, etc.) where included in the statement

Monzo's clean, modern statement layout means the parser produces highly accurate results. Amounts, dates, and merchant names are extracted reliably across all Monzo account types.

How to Download Your Monzo PDF Statement

Since Monzo is entirely app-based, you'll download your statement from the Monzo app:

Open the Monzo app on your phone
Tap the Account tab at the bottom
Scroll down and tap Statements
Select the month or year you need
Tap Download PDF
Share or save the PDF to your computer (via email, AirDrop, Google Drive, etc.)

Monzo Business account holders follow the same steps from their business account tab. Annual statements are also available from the same Statements section.

Monzo Statement Formats Supported

The converter handles all common Monzo statement layouts:

Monzo Personal — standard current account monthly and annual statements
Monzo Business — business account statements with additional reference details
Monzo Plus / Premium — premium tier statements, same core layout with additional account features reflected
Monzo Joint Account — joint account statements following the same format as personal

Monzo keeps a consistent statement format across account types, so the parser works reliably regardless of which Monzo product you use. If a format isn't recognised, the tool falls back to a generic PDF parser that works with any bank.

Monzo CSV Export vs PDF Conversion: When to Use Each

Use Monzo's built-in CSV export when:

You need recent transactions (last few months)
Your accounting software handles Monzo's CSV format without issues
You want a quick export without needing to download a PDF first

Use PDF conversion when:

You need older transactions that aren't available via CSV export
You're working with annual statements for tax preparation
Your accounting software can't parse Monzo's native CSV format correctly
You need a standardised format that matches how you import other banks' data
You're a bookkeeper handling multiple Monzo clients and want a consistent workflow

What to Do With Your CSV Data

Once you have clean CSV data from your Monzo statement, you can:

Import into accounting software — Xero, QuickBooks, Sage, FreeAgent, and Pandle all accept CSV bank imports
Reconcile in ReconcileIQ — upload alongside your accounting data to automatically match and reconcile
Analyse in Excel — pivot tables, spending analysis, cash flow tracking
Code in CodeIQ — if you're a bookkeeper, CodeIQ can automatically code transactions to your chart of accounts, classify VAT, and post back to your platform
File with HMRC — structured data for tax return preparation or MTD submissions

Convert Your Monzo Statement Now

Fast, accurate, and checked on screen before you download. Your first statement of up to 10 pages converts free on a new account.

Convert your PDF now for free

Frequently Asked Questions

Can I export my Monzo bank statement as a CSV?

Monzo does offer CSV export from the app via Account > Statements > Export, but it's limited to recent transactions. For older periods or annual statements, download the PDF from the app and use a free converter tool to get clean CSV data.

How do I convert a Monzo PDF statement to Excel?

Use the free PDF converter at reconcileiq.com/bank-statement-converter. Select Monzo, upload your PDF, and download the extracted data. CSV files open directly in Excel, or you can copy-paste the preview data.

Is the Monzo PDF converter free?

Your first statement of up to 10 pages converts free on a new account. After that it runs on credits, and the cost is shown before anything is processed.

Does it work with Monzo business accounts?

Yes. The converter handles Monzo personal, Monzo Business, Monzo Plus, Monzo Premium, and joint account PDF statements. Monzo uses a consistent statement format across all account types.

Why not just use Monzo's CSV export?

Monzo's built-in CSV export only covers recent transactions. If you need data from older periods, annual statements, or a format that's easier to import into specific accounting software, PDF conversion is the better option.