Importing transactions from a CSV file

Bring in transactions from Monarch Money or a bank statement file, match them to your accounts, and skip duplicates.

Updated

You can bring past transactions into Mozaic from a CSV file: an export from Monarch Money, or a statement you downloaded from your bank. Nothing is saved until you confirm on the last step.

Where to start

  • On the Transactions page, select Import from CSV.
  • When adding an account, choose Upload a CSV.
  • In an account's drawer, select Import transactions. This skips the source step, since the account is already known.

The import has four steps: Source, Upload, Match accounts and Review.

Supported files

Monarch Money (Transactions + Balances CSV). The transactions file has the columns Date, Merchant, Category, Account, Original Statement, Notes, Amount, Tags and Owner. Date, Amount and Account are required; a negative amount is money out. You can add the optional balances file (Date, Balance, Account); its balances are read as Canadian dollars.

Bank CSV (a statement download from any bank). Mozaic finds the columns by their header names, in English or French, whatever the accents or case. The file needs:

  • a date column,
  • a description column,
  • one signed amount column, or separate debit and credit columns.

A running balance, account, account type, currency and category column are used when present. Commas, semicolons and tabs all work as separators, and Mozaic works out whether dates are day-first or month-first. Files without a header row, like the ones TD produces, also work. Upload one statement at a time. If the file has no account column, you type the account name (Account name).

Other sources are marked Soon.

Tip: Keep each file under 10 MB and 50,000 rows. If an export is larger, split it into several files by date range and import them one after the other.

Import step by step

  1. Choose the source: Monarch Money or Bank CSV.
  2. Upload your file. It's read to build a preview only.
  3. On Match accounts, tell Mozaic where each account in the file goes: Create new, Existing (pick one of your accounts) or Ignore. Confirm all suggested accepts every suggestion at once.
  4. On Review, check the rows. Likely duplicates are switched off (see below). Rows Mozaic couldn't read are listed under Rows we couldn't read.
  5. Confirm the import. When it's done, you'll see Import complete; select View transactions to see them.

Duplicates

  • Rows repeated exactly inside the file are dropped.
  • A row that matches a transaction already in Mozaic (same amount and direction, dates within 3 days, similar description) is marked as a likely duplicate and skipped by default. This includes transactions already synced from your bank.
  • You can switch any skipped row back on, or use Skip all or Import all.

Categories for imported rows

An imported row takes the category from the file when there is one, then your rules. On a paid plan, AI fills in the rest.

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