How to Convert a Monzo PDF Bank Statement to CSV or Excel

Monzo's app exports CSV, but only for an account you can still open in the app. When all you have is the PDF, here's how to convert it into clean CSV data that opens straight in Excel, with your first statement free.

By Jack Whitehead 1 March 2026 5 min read

Watercolour illustration of a Monzo bank statement flowing from phone to spreadsheet

Why Convert Monzo PDFs When CSV Export Exists?

Monzo is a digital-only bank, and everything runs through the app. If you can open the account, Monzo's own export is the quickest route: tap the options icon on your card, choose Bank statements, pick a date range and download a PDF, CSV or QIF file, Pots included. PDF conversion earns its place when the app isn't an option:

You only have the PDF: a client has emailed you statements, or a lender or adviser was sent PDFs rather than data
Format differences: some accounting software needs Monzo's native CSV columns or dates mapping before it will import
Closed accounts: once you can no longer open the account in the app, the PDFs you saved are what you have
Printed or scanned copies: paper statements, scans and photos convert too

Converting those PDFs to CSV gives you structured data for whatever period they cover, in the same layout as every other bank you handle.

Quick answer: Use MatchIQ's free PDF converter. Upload your Monzo PDF and download a clean CSV that opens straight in Excel. Your first statement of up to 10 pages converts free on a new account.

How to Convert Your Monzo Statement (4 Steps)

Download the statement from Monzo
Download the PDF statement for each period you need from the Monzo app (see below), or use the PDFs you have been sent. One PDF per statement period.
Create a free account
Register from the converter page, then open MatchIQ and open the PDF converter inside it. There is no bank to pick from a list — the extraction reads whatever layout is in front of it, which is why statements from banks we have never seen convert just as well.
Upload your PDF
Drag and drop or click to browse. The file is uploaded over an encrypted connection and read on our servers, which is what lets scans and photos work as well as native PDFs.
Download your CSV
Review the extracted transactions on screen, then download the CSV, ready to import into accounting software or to open in Excel for spreadsheet analysis.

Privacy note: Your statement is uploaded over an encrypted connection and read on our servers rather than in the browser. That is a deliberate trade: it is what allows scanned and photographed statements to convert, not just native PDFs.

The MatchIQ PDF converter upload area accepting PDF and photo bank statements — **Step 1 in the tool.** The converter accepts native Monzo PDFs, scans and photos of paper statements, up to 12 files at once. The per-transaction cost is stated up front before anything runs.

A completed PDF conversion showing 35 extracted transactions with download and reconcile options — **The result.** A one-month statement converted to 35 clean rows. From here you can download the CSV for your accounting software, or push it straight into a reconciliation without re-uploading.

What the Converter Extracts

The converter extracts these fields from your Monzo PDF statement:

Date — transaction date in a clean, sortable format
Description — merchant or payee name and transaction details
Amount — correctly signed (negative for debits, positive for credits)
Balance — running balance after each transaction
Category — Monzo's spending category (Eating Out, Transport, Bills, etc.) where included in the statement

Monzo's clean, modern statement layout converts very reliably. Amounts, dates, and merchant names come through accurately across all Monzo account types.

How to Download Your Monzo PDF Statement

Since Monzo is entirely app-based, you'll download your statement from the Monzo app:

Open the Monzo app on your phone
Tap the options icon on your card
Choose Bank statements
Select the date range you need
Pick PDF as the format (CSV and QIF are offered here too)
Share or save the PDF to your computer (via email, AirDrop, Google Drive, etc.)

Monzo Business account holders follow the same steps from their business account.

Monzo Statement Formats Supported

The converter handles all common Monzo statement layouts:

Monzo Personal — standard current account monthly and annual statements
Monzo Business — business account statements with additional reference details
Monzo Plus / Premium — premium tier statements, same core layout with additional account features reflected
Monzo Joint Account — joint account statements following the same format as personal

Monzo keeps a consistent statement format across account types, so conversion works reliably regardless of which Monzo product you use. There are no per-bank templates: the converter reads whatever layout is in front of it.

Monzo CSV Export vs PDF Conversion: When to Use Each

Use Monzo's built-in CSV export when:

You can open the account in the Monzo app
Your accounting software handles Monzo's CSV format without issues
You want a quick export without needing to download a PDF first

Use PDF conversion when:

You only hold PDF statements, for example ones a client has emailed you
The account is closed, or you no longer have access to the app
Your accounting software can't parse Monzo's native CSV format correctly
You need a standardised format that matches how you import other banks' data
You're a bookkeeper handling multiple Monzo clients and want a consistent workflow

What to Do With Your CSV Data

Once you have clean CSV data from your Monzo statement, you can:

Import into accounting software — Xero, QuickBooks, Sage, FreeAgent, and Pandle all accept CSV bank imports
Upload it to IQ Books: ReconcileIQ's free UK accounting software reads the PDF, the CSV or even a photo of the statement directly, and CodeIQ can code the lines for you. See IQ Books
Reconcile in MatchIQ — upload alongside your accounting data to automatically match and reconcile
Analyse in Excel — pivot tables, spending analysis, cash flow tracking
Code in CodeIQ — if you're a bookkeeper, CodeIQ can automatically code transactions to your chart of accounts, classify VAT, and post back to your platform
File with HMRC — structured data for tax return preparation or MTD submissions

Convert Your Monzo Statement Now

Fast, accurate, and checked on screen before you download. Your first statement of up to 10 pages converts free on a new account.

Convert your PDF now for free

Frequently Asked Questions

Can I export my Monzo bank statement as a CSV?

Yes. In the Monzo app, tap the options icon on your card, choose Bank statements, pick a date range and choose CSV (PDF and QIF are offered too). If all you have is the PDF, for example statements a client has sent you, use a converter tool to get clean CSV data.

How do I convert a Monzo PDF statement to Excel?

Use the free PDF converter at reconcileiq.com/bank-statement-converter. Upload your Monzo PDF and download the extracted data. CSV files open directly in Excel, or you can copy-paste the preview data.

Is the Monzo PDF converter free?

Your first statement of up to 10 pages converts free on a new account. After that it uses 2 credits per transaction (minimum 10 credits per file), and the cost is shown before anything is processed.

Does it work with Monzo business accounts?

Yes. The converter handles Monzo personal, Monzo Business, Monzo Plus, Monzo Premium, and joint account PDF statements. Monzo uses a consistent statement format across all account types.

Why not just use Monzo's CSV export?

If you can open the account in the app, do. PDF conversion is for when the PDF is all you have: statements a client has sent you, a closed account, or printed and scanned copies. It also gives you the same CSV layout for every bank you handle.