All your accounts refresh based on the schedule the financial institution and the selected data provider have agreed to. You can also choose to refresh your accounts manually if needed.

Refresh a single account

For Monarch web:

1. Select an account on the Accounts page
2. Select the "..." on the connection status card to refresh that account

For Monarch mobile:

1. Select an account in the Accounts tab
2. Select the "..." on the connection status card to refresh that account

Refresh all accounts

For Monarch web:

1. Select the Accounts tab from the navigation menu
2. Select Refresh all in the top right

For Monarch mobile:

1. Select the Accounts tab at the bottom of the app
2. Select the "…" in the top right corner
3. Select Refresh all

What happens after you refresh

When you select Refresh all, you'll see a progress bar at the bottom of the screen showing how many accounts have been synced (for example, "Syncing 3 of 29..."). This stays visible while syncing is in progress so you're not left guessing.

If you want more detail, select Show Details. This opens a list of each account and where it is in the process.

You don't have to wait around for this to finish. You can dismiss it and keep using Monarch. Syncing continues in the background.

Why your data might still look the same after a sync

This is a common question. What's happening is there's a difference between when Monarch syncs with your data provider and when your financial institution actually sends fresh data to that provider.

Think of it like checking your mailbox. Monarch can walk to the mailbox (that's the sync), but if the post office hasn't delivered new mail yet, the mailbox is empty. That doesn't necessarily mean anything is broken. It just means your institution hasn't sent new data yet.

Apple FinanceKit accounts

If you have accounts connected through Apple FinanceKit, they'll show as Up to date during a Refresh all. These accounts use a different sync method, so we don't have per-account progress tracking for them right now. Your data still syncs normally (nothing changes there).