When you first connect your bank accounts to Monarch, you may notice that only a limited amount of historical data is available. This is because most banks provide a short window of history, which can vary by both institution and account type.

To see a complete financial picture, Monarch allows you to manually import your account balances and transactions using CSV files. Most banks let you export these files directly from their websites, so you can easily add missing months or years of history.

You can also uses these to fill out manual accounts, or other data that was not synced.

Importing Account Balances

You can import missing historical balances to fill in gaps and create a more complete net-worth timeline, or to update a manual account. Balance histories can be imported to both synced and manual accounts.

Each file should include one account’s balance history, with required columns for date and balance. The importer validates your data automatically, flags duplicate dates, and lets you easily assign each file to the correct Monarch account.

Learn more: Importing Account Balances Manually 

Note: Balance imports are designed to fill in past data and do not support future-dated balances.

Importing Transactions

You can import transactions into Monarch to complete your financial picture. Transactions can be imported to both synced and manual accounts. Once imported, they appear in your reports, insights, and budgets just like live bank data.

The importer supports flexible column mapping and automatic detection of required fields (account, amount, date). It handles multiple accounts from one CSV file, validates column mappings, and prevents duplicates before import. Optional columns like tags and categories are supported but not required.

Learn more: Importing Transactions Manually 

Tip: If you receive a “File too large” error, see our "Importing Large CSV Files" article for tips on splitting files and completing large uploads successfully.