You can import transactions to a synced or manual account using a CSV file. When importing to a synced account, balances remain unchanged. For manual accounts, you’ll have the option to adjust the balance as needed.

Please note: CSV imports cannot be undone. To remove imported transactions, you’ll need to bulk-delete them or delete the financial account and start fresh. You can always test your import first with a smaller CSV file.

Once transactions are imported, they appear in your reports, insights, and budgets just like synced transactions.

Importing Transaction History

You must use the Web to import. Importing is not available on the mobile app. 

1. On web, go to Accounts and click + Add Account.

2. Click "Import transaction & balance history."

   

3. Click "Import transactions."
4. Upload your transaction history CSV file (single or multiple accounts in one spreadsheet are supported). See details on the required format here.
5. The system automatically detects and maps your CSV columns using keyword-based matching. Review the suggested column mappings.
6. Add or select Monarch tags and categories if included.
7. Add or select Monarch account names 
8. Choose how to handle overlapping transactions:
   1. Prioritize CSV: Replace existing transactions within the CSV date range. If you select "Prioritize CSV," Monarch will delete all existing transactions in your account that fall between the earliest and latest dates in the CSV file, and replace them with the CSV data.

   2. Prioritize Monarch: Keep existing data and only import missing earlier transactions.

      

9. Review your summary, then click Import transactions to finish.
10. Click "Import transactions" to finish.

Tip: If you are receiving a "File too large" error, check out our "Importing Large CSV Files" article for more information. If you see a green check mark with a “Processing” message, your file is importing successfully & you don’t need to stay on that page.

NOTE: You can also access the import process by starting from a specific account's details page and clicking Edit, then selecting Import transactions. If you go through this path, you do not need to list an account name as shown in the CSV Format below, since it will be uploaded directly to that account. 

CSV Format

The importer supports flexible column order and keyword-based mapping. Only three headers are required at a minimum (in any order):

1. Account

   Note: If you use the Import transaction option from the Edit button on the account details page, including the account column is optional. It is required if you select + Add Account and follow the steps above.

2. Amount
3. Date

Other columns, such as Category, Tags, or Notes, are optional — the importer will recognize and map them automatically if present. Extra columns are ignored safely. If required fields are missing or duplicated, the importer will block the import and prompt you to fix the file.

Formatting Tip: Debits, purchases, and withdrawals can be denoted with a - in front of the number or in parentheses () around the number: for example, -58.12 or (58.12) for a purchase. Credits or deposits should be written with no other symbols: for example, 58.12 for a deposit.

• Debit: -58.12
• Debit: (58.12)
• Credit: 58.12

Sample Spreadsheet

Click here to download an example spreadsheet (CSV) with example data.

Note: Budgets or aggregate cash flow totals can not be imported. To learn how to import account balance history, read here.