Import guides

One guide per app and bank, each written against a real export file from it. They say what that file holds, what lands in Money Talks, and what stays behind.

• your bank →

  Every bank lets you download a statement, and that file has everything a budgeting app needs in it. You do not have to connect an account, hand over a login, or wait for a bank integration that may never come to your country.

• Revolut →

  A Revolut statement is easy to read and easy to read wrongly. Three of its columns decide whether your totals come out right, and a reader that ignores them gives you spending that never happened, fees that vanish, and every currency swap counted twice.

• Zen →

  A Zen statement is a document, not a data file: your name, your IBAN and four totals sit above the table, and a paragraph about the Central Bank of Lithuania sits below it. Most tools give up on the first line. This one reads the file as it downloads.

• Wise →

  A Wise statement is clean, complete, and quietly ambiguous in one place. Nothing in the file says which number is the day and which is the month, and every payment you made before the 13th of a month can land in the wrong one because of it.

• Saldo →

  A Saldo export is not a list of purchases. It is a bookkeeping journal, and that single difference is why a Saldo file can double your spending in an app that reads it one row at a time.

• FinEye →

  FinEye writes your transactions and your accounts into the same file, one table under the other. Most readers get as far as the second header and start turning your account list into transactions. This one knows where the transactions end.

• CoinKeeper →

  CoinKeeper writes every incoming payment as a transfer, which makes your salary look exactly like moving cash between two of your own accounts. The part of the file that tells them apart sits at the very bottom, and it is the part people delete.

• Money Manager →

  There are two popular apps called Money Manager, made by different companies, and their export files have nothing in common. You do not need to know which one you installed: the first line of your file says it, and Money Talks reads both.

• ZenMoney →

  ZenMoney writes a transfer as a single row with money leaving on one side and arriving on the other. Read that row as an expense and the arriving half vanishes without an error, which is the quietest way an import can go wrong.

• Money Flow →

  Money Flow puts the far side of every transfer in its own columns, which makes it one of the easier apps to leave without losing anything. The catch is elsewhere: its account names contain commas, in a comma-separated file.

• Wallet by BudgetBakers →

  Wallet exports a clean, well-formed file, and almost all of it moves across without trouble. There is one honest exception, and it is better to know about it before you import than to go looking for missing money afterwards.

• Spendee →

  Spendee's export is straightforward with two things worth knowing: a note can contain line breaks, which confuses simple readers, and both halves of a transfer are written as ordinary income and expense rows.

• Monefy →

  Monefy's export is small and simple, with one trap in it: the word currency appears twice in the header. Which of the two a reader picks decides whether your history keeps the currencies you spent in or gets flattened into one.

• YNAB →

  YNAB gives you a zip file rather than a spreadsheet, and there are two tables inside it. Only one of them holds your transactions, which is the first thing to get right.

• Budget Flow →

  Budget Flow writes one of the most complete export files of any budgeting app: both sides of a transfer, the exchange rate it used, and a flag on transactions that have not settled yet.

• any other app →

  Not every budgeting app is on our list, and bank statements are not on anyone's. Smart Import reads an unfamiliar file, works out what its columns mean, and shows you the result before anything is saved.