How to get a Monzo bank statement
- Open the Monzo app or sign in at monzo.com.
- Open the account and choose Statements.
- Download the CSV or PDF for the period you want.
- Upload the file to Karchu.
What is a Monzo bank statement
A Monzo bank statement is the official record of every transaction posted to your Monzo account during a given period, along with the opening and closing balance. It is the same document your lender, landlord, or accountant will ask for when they need proof of income, proof of address, or documentation for a bank statement loan or mortgage. A Monzo statement typically covers one month, but you can export any custom date range from online banking.
What Karchu does with your Monzo data
Once the file is uploaded, Karchu extracts every transaction, normalizes the columns, and applies rule-based categorization. You see a dashboard within seconds with total income and expenses, category breakdown, top merchants, recurring subscriptions, and any anomalies worth a second look. Every categorization is explainable, so if a transaction lands in the wrong bucket you can open the rule that decided it and edit it once. The change applies retroactively across every Monzo statement you upload.
Monzo statement to Excel and CSV
Karchu works as a Monzo PDF to Excel converter and a Monzo statement to CSV converter. Upload a scanned or digital PDF and download a clean spreadsheet with dates, descriptions, amounts, and categories in separate columns, ready for QuickBooks, Xero, or your own workbook. There is no signup required to try a single statement, no bank login, and no aggregator like Plaid.
Monzo export notes
Monzo CSVs are famously clean, with dedicated Category, Notes, Address, and Receipt columns. Karchu keeps Monzo's category as a tag while applying its own rules on top.
Common uses for a Monzo statement analyzer
- Preparing 3 month or 6 month bank statements for a mortgage or bank statement loan application.
- Using a Monzo statement as proof of address or proof of income.
- Reconciling a Monzo account against a business ledger or a personal budget.
- Separating business and personal expenses from a single Monzo account.
- Tracking recurring subscriptions and finding forgotten charges.
- Building a monthly cash flow view from raw Monzo transactions.
Privacy for Monzo statements
Karchu never asks for your Monzo online banking password and never uses a bank aggregator. CSV and Excel files are parsed in your browser before anything is saved. Saved data lives in a private workspace protected by row-level security. See the security page for details.
Frequently asked questions about Monzo statements
How do I get a Monzo bank statement online?
Sign in to Monzo online banking, open the account, choose Statements or Export, pick a date range, and download the PDF, CSV, or Excel file. The exact steps for Monzo are listed on this page.
Is a Monzo bank statement proof of address?
Yes. Most landlords, government agencies, and lenders accept a recent Monzo statement dated within the last three months as proof of address, as long as it shows your full name and current address.
What does a Monzo bank statement look like?
A Monzo statement includes a header with your name, address, account number, and statement period, followed by a transaction table with date, description, amount, and running balance, and a summary of opening and closing balance plus total credits and debits.
Can I use a Monzo statement for a mortgage or bank statement loan?
Yes. Bank statement loans use 12 to 24 months of Monzo statements to verify income for self-employed borrowers. Karchu can summarize deposits, average monthly income, and recurring expenses across a full set of Monzo statements in one view.
Does Karchu need my Monzo online banking password?
No. Karchu never asks for your Monzo login and does not use a bank aggregator. You upload the statement file directly and Karchu parses it locally in your browser before anything is saved.
Can Karchu convert a Monzo PDF statement to Excel or CSV?
Yes. Upload any Monzo PDF, scanned or digital, and Karchu returns a clean spreadsheet with date, description, amount, and category columns ready for Excel, Google Sheets, QuickBooks, or Xero.