Import a bank statement.
Without connecting your bank.

A statement instead of a bank connection

Bank sync means giving an app lasting access to your accounts, usually through a third company. A statement is just a file you choose to hand over, once, for the months you pick. That's the idea behind an expense tracker without a bank link: you bring the data, nobody fetches it. What you can upload:

• CSV or Excel (.xlsx) from your online banking — any bank, no list of supported banks needed.
• A PDF statement, up to 10 pages.
• Screenshots or photos of your banking app, up to 10 at a time.
• Files up to 10 MB. An old .xls file? Save it as .xlsx or CSV first.

How to import a bank statement, step by step

1. Open Import and drop the file in, or tap Choose file.
2. HonestExpenses works out what it is. A table with recognisable columns goes to the Columns step, where you can adjust them by hand. For a table it doesn't know, AI reads only the header and up to 20 rows and sets up the rules; the rest of the file is then read by those rules. A PDF or screenshot is read by AI, a few pages at a time.
3. Before any AI runs, you see how many AI actions it needs and how many you have. Tap Recognize.
4. Check the review: how many operations, the period, transfers between your accounts. Map each account in the file to one of yours or create it, and do the same with categories.
5. Tap Import … transactions. They appear in your history, budgets and charts.

What is recognised — and what you decide

• Each row: date, time if there is one, the amount with its sign, the description and a category — one of yours or a new name for you to approve.
• Dates like 03/04/2026: if the file is ambiguous, you choose whether it means day / month or month / day.
• Transfers between your own accounts are paired. A half without its pair is imported as an expense or income, with a warning.
• Several currencies in one file are imported as they are, without conversion — you're told which ones.
• Empty and total lines are skipped, and rows with errors are shown before anything is saved.
• Already imported? Rows that are already in your history are marked «Already there» and not added again, so overlapping statements don't double up.

Up to 5 000 rows go into one file's review. AI never saves anything by itself: nothing reaches your history until you tap Import.

One file, one import, one undo

Everything from one statement is a single import. Import history lists each file with its number of transactions, and Revert import removes all of them at once. Accounts and categories the import created stay, so you can fix a mapping and try again.

Prefer Telegram? Send the statement or a screenshot to the HonestExpenses bot. Up to 10 rows appear right in the chat as drafts, and Save all makes them one import. A longer statement gets a summary and a button that opens the same review in the app.

What's free and what uses AI actions

• An export from another money app: free, no AI.
• A CSV or Excel file with columns we recognise: free — or map the columns by hand.
• A table we don't recognise: 1 AI action for the whole file, whatever its size. Mapping it by hand stays free.
• A PDF statement: 1 AI action per 3 pages, up to 10 pages.
• Screenshots: 1 AI action each, up to 10 at a time.

If AI fails or finds no transactions, the action comes back to you. A new account gets 7 days of Pro with 20 AI actions; Lifetime (19 $ once) includes 50; the AI plan is 5,99 $ a month or 47,88 $ a year.

Privacy: the file is read once and never stored — not in our database, not in file storage, not in logs. It goes to Google's paid Gemini API, which doesn't train on your content. The bot keeps only the table it read (never the file), for up to 24 hours.

Moving from another app instead?

If your history lives in another expense tracker, import its export rather than bank statements: categories, accounts and transfers come over as they were, for free. Exports from ten apps are recognised, each with its own guide — for example moving from Wallet, from YNAB or from Monefy. Spendee, Money Manager, Cashew, CoinKeeper, Money Lover, Zenmoney and Toshl work the same way.

Questions

Read next

• Log expenses by voice. One sentence, several transactions.
• Track Apple Pay purchases automatically. Pay in a shop — the expense records itself.
• Automatic expense tracking on Android. Pay with any card — the expense records itself.
• An expense tracker in Telegram. With a full app behind it.
• An expense tracker without a bank link. You log it — in seconds.
• How to track your expenses. And still be doing it in three months.