General Ledger + Converter in one subscription.
See pricingBY BANK · MONZO
In the Monzo app, tap Home, the three dots under your card, then Bank statements, and pick a date range and PDF, CSV or QIF. CSV is enough for a spreadsheet. If you only have the PDF, the ZeraBooks bank statement converter turns it into Excel or CSV checked against the printed balances.
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PERSONAL ACCOUNT
These are the taps in Monzo’s help for a personal account, checked October 22, 2026. Monzo’s statements include your Pots.
Tap Home in the app’s menu bar.
The menu under the card holds the statement option.
Choose the date range you need. For accounts or a loan file, whole months are easiest to check.
PDF, CSV or QIF. Download the PDF too if anyone needs proof of the balances.
For a savings Pot, open the Pot, tap Pot documents, then Pot statement.
We set you up and catch up your past months for free. Then ZeraBooks keeps your books done.
FROM PDF TO ROWS
Here is a real run in ZeraBooks Convert. The statement belongs to Kestrel Studio, a fictional design studio: its September Monzo Business statement with 13 transactions, file Monzo_Business_statement_2026-09.pdf. Convert read every line and proved £6,845.20 + £5,069.51 = £11,914.71, the closing balance printed on the statement, before offering the download.
The PDF as uploaded
The same statement in ZeraBooks
MONZO BUSINESS
The business app uses a slightly different path, per Monzo’s business help:
Home, then Manage next to your transaction feed, then Bank statements. Choose the date range and PDF, CSV or QIF where available, then Download.
Only Admins and Collaborators can request statements, and Monzo will verify your identity.
Business Pot statements are requested through chat.
Monzo says monthly statements can’t be changed once issued, so download the version you need and keep it.
WHICH EXPORT
Monzo gives you four ways to get transactions out. They suit different jobs:
| Export | What you get | Use it for |
|---|---|---|
| PDF statement | Monzo’s statement for the dates you chose; Monzo calls it an original document | A mortgage, visa or loan file, your accountant, and proving a month is complete |
| CSV | A transaction file from the same Bank statements screen | Your own spreadsheet, or software that imports CSV |
| QIF | An older finance-software format | Desktop money apps that still read QIF |
| Google Sheets auto-export | A sheet called “Monzo transactions” that updates as you spend | A live budget. Business Pro and Team get “Monzo business account transactions” instead |
If Monzo already gives you the CSV for the months you need, you don’t need a converter. A converter earns its place when all you have is PDFs: statements someone emailed you, a closed account, or a client’s Monzo statements sent to their accountant.
MONZO’S OWN RULES
Checked October 22, 2026 on the bank's own pages: Getting a bank statement · Monzo Business statements · Google Sheets auto-export.
WORKED EXAMPLE
Fern & Thistle Ceramics is a fictional sole trader. Its July 2026 statement, in this example, starts at £2,184.50. Converted to the Standard format, money out is a minus and the date is written U.S. style:
| Date | Description | Amount |
|---|---|---|
| 07/01/2026 | Marketplace payout | 486.20 |
| 07/04/2026 | Northfield Clay Co | -212.40 |
| 07/09/2026 | Brightline Energy | -96.75 |
| 07/14/2026 | Transfer from J. Reid | 350.00 |
| 07/18/2026 | Packaging Hub | -58.30 |
| 07/22/2026 | To Tax Pot | -300.00 |
| 07/28/2026 | Card reader payout | 621.45 |
| Starting 2,184.50 + rows | 2,974.70 |
The proof: money in 486.20 + 350.00 + 621.45 = 1,457.65, money out 212.40 + 96.75 + 58.30 + 300.00 = 667.45, and 2,184.50 + 1,457.65 − 667.45 = 2,974.70, the ending balance. 07/04/2026 is 4 July, not 7 April: every Convert format writes MM/DD/YYYY. Amounts are plain numbers with no £ sign.
BEFORE YOU CONVERT
ZeraBooks Convert writes every date as MM/DD/YYYY. In Excel set to UK dates, reformat the column or read it carefully; in software that imports CSV, choose the MM/DD/YYYY option.
Convert reads PDF files. Monzo’s CSV and QIF are already data, so they don’t go through it.
Convert checks the rows against the opening and closing balances printed on the statement. A statement without printed balances stays at Needs a look, even when every line was read correctly, so compare it with the PDF.
If moves to and from Pots appear as lines on your statement, treat them as transfers between your own money rather than spending or income.
ZeraBooks never asks for your Monzo sign-in. You download the PDF and upload it.
WITH ZERABOOKS
PROVEN TO THE CENT
Convert adds every line it read to the opening balance and compares the total with the closing balance on the page. If it is off, the difference is shown so you know which amount to look for. More on the method in convert a bank statement to Excel.
How Convert proves a statement
READY-MADE FORMATS
Standard, Money in and out, QuickBooks-ready, Xero-ready, Sage-ready or All details. Several months download together with an Account column. Prefer a live sheet? Monzo’s own export, or bank statement to Google Sheets for PDFs.
Choose a download format
MORE BANKS
Monzo offers PDF, CSV and QIF. Excel opens the CSV directly. To get a spreadsheet from a Monzo PDF, convert it.
Monzo says its statements are original documents, so you shouldn’t need them stamped or signed. If you do need a posted or stamped copy, you can request one from Monzo.
Monzo says it emails a statement with your full transaction history when it closes the account. The file is password protected and the password comes by text.
Convert reads statement PDFs from any bank, including business statements. Check the proof line on the first one you upload to see whether it ties.
Layouts differ a lot by bank. See bank statement examples for layout notes and fictional samples.
Convert comes with the ZeraBooks subscription: 1,000 pages a month for $79 a month billed annually or $149 monthly, in U.S. dollars, after a 7-day trial. See ZeraBooks pricing.
FREE SETUP + CATCH-UP
Upload it, check the proof line, download Excel or CSV. 1,000 pages a month from $79 a month billed annually. Want categorized books instead of a sheet? Your subscription includes AI bookkeeping.