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.

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

Importing is available on web only (and not the mobile app). 

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.

To import transaction history:

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 will automatically detect and map your CSV columns using keyword-based matching. Review the suggested column mappings and accept or make changes.
6. Add or select Monarch tags and categories if included.
7. Add or select Monarch account names.
8. Choose how to handle overlapping transactions:
   • Prioritize CSV: This option will 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. Existing transactions in Monarch may be deleted.
   • Prioritize Monarch: Keep existing data and only import missing earlier transactions. Some transactions in your CSV may not be imported.
   • Import all: All transactions in the CSV will be imported. This may result in duplicate transactions.
     
9. Review your summary, then click Import transactions to finish.
10. Click "Import transactions" to finish.
11. If you see a green check mark with a “Processing” message, your file is importing & you don’t need to stay on that page.

CSV Format

The importer does not require a specific column order and uses keyword-based mapping. The following three headers are required (in any order):

1. Account

   Note: If you import directly into a specific individual account (by visiting the account details page and clicking Edit), including the account column is optional. If you follow the steps above and import using the +Add Account option, the account name is required.

2. Amount

   Note: Both credits and debits should be in the same column (see formatting note below).

3. Date

   Note: Any standard US-based date format will work (i.e. December 1, 2024 or 12/01/24).

If any of these required fields are missing or duplicated, the importer will prompt you to fix the file.

Other columns, such as Category, Tags, or Notes, are optional. If present, the importer will recognize and map them automatically. Extra columns not used by Monarch will be ignored. 

Formatting Debits & Credits

• Debits, purchases, and withdrawals should be denoted with a - in front of the number or in parentheses () around the number. For example, a purchase could be written as either -58.12 or (58.12). 
• Credits or deposits should be written with no other symbols. For example, a paycheck would be shown as 58.12.
• Examples:
  • 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.

Troubleshooting

• If you are receiving a "File too large" error, check out our "Importing Large CSV Files" article for more information. 
• If you receive a specific error, review the error and fix the spreadsheet as indicated. 
• If you receive any other error or need additional help, please contact support by clicking "Help and Support" and requesting to open a ticket.