How to import a Wise statement
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.
How to bring it in
- 1. In Wise, open the balance you want and go to its statement. Choose CSV rather than PDF.
- 2. Set the period to cover everything you want to bring across.
- 3. Wise writes one statement per balance, so download each currency you use.
- 4. Do not open the file in a spreadsheet to tidy the dates. That is the one edit that reliably breaks the import.
- 5. Open Money Talks, go to Settings and tap Import Data, then choose Wise.
- 6. Pick the file, then read the preview. Check that the dates landed in the months you expect.
- 7. Confirm.
The file you need
Wise exports one CSV file per balance, comma-separated, with a dot for decimals and twenty-three columns.
You have the right file if its first line looks like this:
"TransferWise ID",Date,"Date Time",Amount,Currency,Description,"Payment Reference","Running Balance","Exchange From","Exchange To","Exchange Rate","Payer Name","Payee Name","Payee Account Number",Merchant,"Card Last Four Digits","Card Holder Full Name",Attachment,Note,"Total fees","Exchange To Amount","Transaction Type","Transaction Details Type"Two of these columns are the whole story. Date is written day first, and Merchant holds the shop name that Description buries inside a sentence.
Frequently asked questions
My statement says 03-09-2026. Is that March or September?
September, and this is the single most important thing about a Wise file. Wise writes dates day first, so 03-09-2026 is 3 September 2026. Nothing in the file declares that, and for any day before the 13th the American reading is equally plausible, which is how a generic CSV reader can move a third of your year into the wrong months without a single error. Money Talks reads a Wise statement day first because it knows the file it is reading. If you export from a bank we do not recognise, check a few dates in the preview before you confirm.
Why does my card payment show the shop name and not the long line Wise wrote?
Because Wise puts the shop in its own Merchant column and writes the Description as a whole sentence in your account's language, along the lines of a card transaction for 8,60 EUR at Mercadona. That sentence is different for every row, so a history built from it cannot be grouped or searched. Money Talks takes Merchant, and falls back to the sentence only when nothing better is filled in.
Are Wise's fees included in what I spent?
Yes, because they are already inside the amount. Wise records Amount as the movement of your balance: in the statement we tested, the Running Balance on every row equals the row before it plus that row's Amount. Adding the separate fees column on top would count the same money twice. Revolut works the other way round, which is why we pin each of them against a real file instead of assuming one rule for both.
I converted euro into dollars inside Wise. Does that count as spending?
No. Wise records a conversion with the other side of the move on the same row, in Exchange To and Exchange To Amount, so Money Talks reads it as one transfer holding both amounts and both currencies rather than as a payment out. The preview shows it as a transfer with both currencies, so you can check it before anything is saved.
Wise gives me a statement for each currency. Do I need all of them?
Download the balances whose payments you want. Each statement covers one balance, so if you spend from euro and hold dollars for transfers, the euro statement is where your spending is. One file is enough to record a conversion, because the row already carries both sides of it. That same conversion also appears in the other balance's statement, so if you import both, check the preview for the moves you have already brought in.
A card payment came in as income. Is that wrong?
Probably not. Wise records a refund as a card row with a positive amount and CREDIT in Transaction Type, because that is what happened to your balance. Money Talks keeps the sign the statement gave it, so a refunded purchase reduces your net spending instead of disappearing.
Do I need an account in Money Talks to import?
No. Import works without signing up. If you do have an account, Settings keeps a Delete last import row that removes the transactions from your most recent import in one tap.
What comes across from Wise
- Every payment with its date, read day first the way Wise writes it
- The merchant name from its own column rather than the sentence around it
- Money you received, labelled with the name of whoever sent it
- The currency of the balance the statement covers
- A conversion between your own balances, as one transfer with both amounts and both currencies
What does not come across
- Categories - A Wise statement has none. Money Talks suggests a category per merchant during the import and you correct the ones it gets wrong.
- The running balance - The Running Balance column is the result of the transactions rather than a transaction, so it is not imported. It is also what proves the amounts are right, which is the one job it does here.
- Your card number and the name on the card - Wise repeats the last four digits and the cardholder on every card row. Neither is part of what you spent, and neither belongs in a budgeting app.
- Attachments and notes - These are files and text you added inside Wise. They have nowhere to go here, and a receipt is not a transaction.
- Your Wise balances themselves - The statement covers one balance and the import records its transactions. Money Talks does not recreate the balance or its amount.
The date is the trap
03-09-2026 is 3 September. It is also, to any reader that does not know it is
looking at a Wise file, 9 March.
Nothing in the file settles it. There is no locale marker, no ISO date, no header saying which order the numbers are in. The only rows that give the game away are the ones dated the 13th or later, and a quiet month may not have one.
What that costs you is not an error message. It is a history in which every payment made before the 13th of a month sits in the wrong month, while everything from the 13th onward sits in the right one. Your months look wrong and nothing tells you why.
Money Talks reads a Wise statement day first because it recognises the file before it reads it. That is the whole reason to pick Wise from the list rather than letting a general reader guess.
The merchant has its own column
Wise fills Description with a sentence, written in whatever language your
account is set to, along the lines of a card transaction for 8,60 EUR at
Mercadona Valencia. The amount is inside the text. So is the currency. So is
the shop.
Every one of those sentences is different, because every amount is different. Build a history out of them and nothing groups: twelve visits to the same supermarket become twelve unrelated descriptions.
Merchant holds Mercadona Valencia on its own, and that is what Money Talks
takes. On money coming in there is no merchant, so the label comes from
Payer Name instead, which is the person or company who sent it.
The amount is what your balance did
Amount is the movement of the balance, and Wise gives you the arithmetic to
check that: Running Balance sits on every row. In the statement we measured
against, every row’s balance equals the row before it plus that row’s Amount,
with no exceptions.
That settles what to do with the separate fees column: nothing. The fee is already inside the movement. Add it and you would charge yourself twice for every payment that carried one.
Revolut does the opposite, keeping its fee outside the amount so it has to be added on. Two statements that look alike, two opposite rules, and picking the wrong one quietly changes your totals. Both are pinned against real exports for that reason.
A conversion is one move, not a purchase
When you turn one of your balances into another, Wise writes the whole move on
one row: what left in Amount and Currency, what arrived in
Exchange To Amount and Exchange To, and the rate between them.
Read as an ordinary row that is a payment out for money you still have. Money Talks reads both halves and records one transfer, keeping the rate you were given as the difference between the two amounts.
What a Wise statement cannot give you
No categories: Wise does not export any, so Money Talks suggests one per merchant during the import and you fix what it gets wrong. For a year of history that is a few minutes.
No view of your other accounts either. A transfer out to a bank elsewhere is an outgoing payment as far as this file is concerned, because from Wise’s side that is all it is.