Monzo · UK Digital Neobank

Monzo Bank
statement guide

Monzo Bank statementguide

Learn how to download your Monzo bank statement and categorize every transaction — instant spending, pots, and more.

How to downloadAI categorizationCSV & Excel exportSpending insights

Get started — it's free

✓ 3 pages free · ✓ No signup · ✓ Results in 30 seconds

How it works

Two simple steps to analyze your statement

Step 1

Download your statement

Get your Monzo PDF from the Monzo app or monzo.com. No password needed.

Step 2

Get AI spending breakdown

Upload your PDF — AI categorizes every transaction automatically with spending insights.

1.Download your statement

Get your Monzo PDF from the Monzo app or monzo.com. No password needed.

2.Get AI spending breakdown

Upload your PDF — AI categorizes every transaction automatically with spending insights.

Step 1

Download your Monzo statement

Web App

monzo.com/account

Select your account

Choose your personal or joint account.

Statements

Go to Statements and choose your period.

Download PDF

Download PDF — no password required.

Monzo App

iOS & Android

Open Monzo App

Tap Account (at bottom)

Navigate to your account overview.

Statements (scroll down)

Find Statements and select your period.

Download PDF or export CSV

Download PDF statement — no password.

Monzo Plus/Premium: Monzo Plus and Monzo Premium customers get additional statement formats. Monzo also shows merchant logos and categories natively in-app — your AI analysis will confirm and expand on these.

Step 2

Now analyze your Monzo statement

Upload your Monzo PDF and AI will read every transaction — card payments, transfers, direct debits — showing you exactly where your money goes with CSV and Excel export.

Detected Subscriptions

$46.98/mo recurring

Netflix

MonthlyMar 15, 2026

$15.99

Spotify Premium

MonthlyMar 22, 2026

$10.99

ChatGPT Plus

MonthlyApr 1, 2026

$20.00

Spending Breakdown

February 2026

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Other

$1,511

24.1% of total spending

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Total Analyzed

$6,284

AI Insights

Your grocery spending is 12% higher than last month. Consider meal planning to stay on budget.

You saved 25.6% of your income — above the recommended 20%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

See your Monzo spending clearly

Upload your statement — full AI analysis in 30 seconds. Free for 3 pages.

Analyze My Monzo Statement →

✓ 3 pages free · ✓ No signup · ✓ 30 seconds

Pricing

Simple, transparent pricing

Free

Try it out

3 PDF pages / month
AI transaction categorization
Sankey money-flow chart
AI insights & savings tips
Financial health score
Spending calendar
CSV export

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Everything about Monzo bank statements

PDF password

No password

Monzo PDFs open directly

Founded

2015

9 million+ customers

Branches

No branches

App-only digital bank

About Monzo

Monzo (est. 2015) pioneered the UK neobank revolution with its iconic pink/hot coral debit card. With 9 million+ customers, Monzo is a fully licensed UK bank with FSCS protection, but no physical branches ever. Features include real-time spending notifications, savings pots, split bills, and built-in budgeting categories.

Downloading your Monzo statement

Download your Monzo bank statement PDF via the Monzo app (Account tab → Statements) or at monzo.com. Monzo PDFs are not password-protected and open immediately. You can also export transactions as CSV directly from the app.

Monzo statement analysis

While Monzo has built-in spending categories, our AI provides deeper analysis — especially useful for creating Excel exports for tax, comparing months, or getting a full-year overview. Upload your Monzo PDF and get a categorized spending breakdown with CSV export in 30 seconds.

Monzo bank statement FAQ

How do I download my Monzo bank statement?+−

Open the Monzo app, tap Account at the bottom, scroll down and tap Statements, select your period, and download the PDF. You can also sign in at monzo.com (web app) and download from there. Monzo is primarily app-based — there is no traditional online banking website like legacy banks.

Is there a password on Monzo bank statement PDFs?+−

No. Monzo bank statement PDFs are not password-protected. The downloaded PDF opens directly without any password.

How do I get an official Monzo statement vs a CSV export?+−

Monzo offers two options: an official PDF statement (stamped, accepted for visa/mortgage applications) and a CSV transaction export. For visa or mortgage applications, download the PDF statement — it includes your account number, sort code, and Monzo branding. The CSV export is better for analysis and budgeting tools.

Do Pots appear on my Monzo bank statement?+−

Monzo Pots (savings pots) show as internal transfers on your statement. Money moved to or from a Pot appears as a transfer between your main account and the Pot. Pot balances are separate from your main account balance shown on statements.

How far back can I get Monzo statements?+−

Monzo provides statement history from when you opened your account. You can download statements month by month or for custom date ranges via the app or monzo.com. Monzo was founded in 2015, so statement history goes back to your account opening date.

How is Monzo different from traditional UK banks?+−

Monzo is a fully licensed UK bank (with FSCS protection up to £85,000) but operates entirely digitally — no branches, no cheques, no traditional passbook. Monzo pioneered real-time spending notifications, built-in budgeting categories, and split-bill features. With 9 million+ customers, it is one of the UK's largest neobanks.

Can I analyze my Monzo statement with AI?+−

Yes. Download your Monzo PDF statement (no password needed) and upload it to mybankstatementanalysis. AI reads every transaction — card payments, transfers, direct debits — categorizes them, and shows a visual spending breakdown. This complements Monzo's built-in categories with deeper analysis and export options.

See your Monzo
spending clearly — free.

Upload your PDF — AI maps every transaction by category with export to Excel.

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