Guide · 27 May 2026
PDF bank statement importer — how to upload your statement into Moniqo
A PDF bank statement importer is the simplest way to bring your money into a personal finance app: you don’t hand over a bank login, you just upload the statement your bank already emails you. That’s exactly how Moniqo works — same flow for any bank, whether you have a PDF or a CSV export. Here’s the whole thing.
1. Download your statement
In your bank’s online banking or app, open your account statements, choose the period you want, and download it — as a PDF if you have one, or a CSV/Excel export if that’s easier.
2. Keep the password handy (if any)
Many banks send statement PDFs as password-protected files, with the password in the same email. Have it ready — Moniqo can open protected PDFs, so you don’t need to unlock anything yourself.
3. Upload it to Moniqo
Open the Import section, choose your file, and enter the password if you’re asked for one.
4. Review the transactions
Moniqo reads the date, description and amount for each line, auto-categorises them against a 5,500+ merchant catalogue, and quietly skips anything you’ve already imported.
5. Confirm
Glance over the categories, fix any that look off — Moniqo remembers your fix for next time — and confirm.
PDF or CSV — both work
If your bank gives you a PDF, Moniqo’s parsers read it directly (including password-protected ones). If you’d rather export to a spreadsheet, the CSV import handles that too, with the same auto-categorisation and duplicate-skipping.
Why a PDF bank statement importer (and not a bank-login aggregator)
Most personal finance apps connect to your bank using a third-party aggregator (Plaid, Tink, MX, and similar) and read your transactions in real time. That’s powerful — but it also means a third party holds your bank credentials and a continuous data pipeline runs in the background.
A PDF bank statement importer takes the opposite approach: youbring the file your bank already emails you, and that’s it. There is no stored bank login, no real-time scrape, and no third-party data pipeline. For people who don’t want to hand over bank logins — or whose bank simply isn’t on an aggregator’s roster — it’s the only design that works.
A note on privacy
The only thing Moniqo ever sees is the statement you choose to upload. There’s no stored bank password, no background connection, and nothing scraped. If you also use Ask Moniqo (the AI assistant), the AI receives only PII- redacted aggregates — never your raw transactions. See the AI personal finance assistant page for the full design.
Got accounts in more than one currency? See tracking money across two currencies, or just start free.