The short answer
The Monzo file has 20 columns, dates written as DD/MM/YYYY and one signed amount column. The CSV written for Wave has the columns Date,Description,Amount. So the date is rewritten as MM/DD/YYYY, the amount is written as one signed number, and the text columns are moved as in the table below.
Free. The Monzo profile is one of the 5 free profiles of the converter. The free version writes the first 25 converted rows of a file; the 9 USD one-time licence removes that limit.
The converter runs in your browser. Your file is not uploaded.
What the Monzo CSV looks like
- Country: United Kingdom.
- Account type: current account.
- Header row: yes, one row before the first transaction.
- Columns: 20, separated by commas.
- Date format: DD/MM/YYYY, for example 04/03/2024 (the source writes it as %d/%m/%Y).
- Amounts: one signed amount column. Evidence for the direction: a sample row in the source shows it.
- Header text: the source prints it, so the columns below carry their real names.
Note kept with this layout in the profile data: Twenty columns. The signed Amount column is used; Money Out and Money In repeat it as two columns. Older exports differ: the Firefly III config lists 18 columns ending in separate money-out and money-in columns, and bank2ynab lists a 12-column export with ISO timestamps. If the header does not match, fall back to manual mapping.
What Wave accepts
- File type: CSV.
- Header row: not stated in the excerpts read; the converter writes one.
- Required columns: Date, Description, Amount.
- Amounts: Three or four columns: date, description, and the amount either all in one column or one column each for deposits and withdrawals. For credit card statements, purchases must be positive and payments negative.
- Dates: MM/DD/YYYY.
| Wave column | Required by Wave | Filled from the Monzo file |
|---|---|---|
| Date | required | column 2 "Date" |
| Description | required | column 5 "Name", column 15 "Description" and column 12 "Notes and #tags" |
| Amount | required | column 8 "Amount" |
From a web search excerpt of the vendor's help page (the page itself refuses automated reading; re-check it in a browser): "To import properly, your CSV file must have three or four columns: date, amount of the transaction (all in one column, or one column each for deposits and withdrawals), and description."
Column-by-column mapping
Every column of the Monzo file, left to right, and where it ends up in the Wave file.
| Column | Header text | What it holds | Where it goes in the Wave file |
|---|---|---|---|
| 1 | Transaction ID | Reference or check number | Not copied |
| 2 | Date | Transaction date | Date, rewritten as MM/DD/YYYY |
| 3 | Time | Not used | Not copied |
| 4 | Type | Not used | Not copied |
| 5 | Name | Payee or counterparty | Description (first part) |
| 6 | Emoji | Not used | Not copied |
| 7 | Category | Category | Not copied |
| 8 | Amount | Amount, signed (negative is money out) | Amount, sign kept (money out is negative) |
| 9 | Currency | Currency | Not copied |
| 10 | Local amount | Not used | Not copied |
| 11 | Local currency | Not used | Not copied |
| 12 | Notes and #tags | Memo or note | Description, after the bank's description text |
| 13 | Address | Not used | Not copied |
| 14 | Receipt | Not used | Not copied |
| 15 | Description | Description | Description, after the payee |
| 16 | Category split | Not used | Not copied |
| 17 | Money Out | Not used | Not copied |
| 18 | Money In | Not used | Not copied |
| 19 | Balance | Running balance | Not copied |
| 20 | Balance currency | Not used | Not copied |
Pitfalls for Monzo to Wave
Dates
- The date must be reordered. The bank file is written day first, then month, then year (DD/MM/YYYY, for example 04/03/2024). The Wave file is written month first, then day, then year (MM/DD/YYYY, for example 03/04/2024). This is the mistake that does not show: 04/03/2024 is 4 Mar in the bank file, and read the other way round it is 3 Apr. Days from 13 to 31 fail loudly, days from 1 to 12 swap silently.
- Wave on dates: MM/DD/YYYY. As stated by the vendor: the date column must be in MM/DD/YYYY format.
Amounts and their direction
- Both sides use one signed amount column where money out is negative, so the sign is kept as it is.
- Wave's own rule: Three or four columns: date, description, and the amount either all in one column or one column each for deposits and withdrawals. For credit card statements, purchases must be positive and payments negative.
- How sure the direction is: a sample row in the source shows it.
Shape of the file
- Quoting: not stated by source (the sample row in the source is unquoted).
Other Wave import rules
- Keep only the date, amount and description columns; delete any other columns.
- The description column can be empty, but if filled it must contain words, not only numbers.
- Remove special characters such as #, &, $ and * from the file.
- Files with more than 100 rows tend not to upload; split them into files of no more than 100 rows each.
Before and after: an invented example
Invented sample data. These four rows were made up for this page. They are not from a real Monzo export and hold no real account, name or balance.
The column headings are the header text the source prints. The 11 unused columns of the file are left out of the table.
| 1: Transaction ID | 2: Date | 5: Name | 7: Category | 8: Amount | 9: Currency | 12: Notes and #tags | 15: Description | 19: Balance |
|---|---|---|---|---|---|---|---|---|
| S0001 | 04/03/2024 | Coffee Corner | Eating out | -4.50 | GBP | Card purchase | COFFEE CORNER MAIN ST | 995.50 |
| S0002 | 05/03/2024 | Example Co | Income | 2500.00 | GBP | Salary March | PAYROLL EXAMPLE CO | 3495.50 |
| S0003 | 07/03/2024 | Sample Landlord | Housing | -1234.56 | GBP | Standing order | RENT MARCH | 2260.94 |
| S0004 | 11/03/2024 | Example Shop | Shopping | 15.25 | GBP | Refund | REFUND EXAMPLE SHOP | 2276.19 |
| Date | Description | Amount |
|---|---|---|
| 03/04/2024 | Coffee Corner - COFFEE CORNER MAIN ST - Card purchase | -4.50 |
| 03/05/2024 | Example Co - PAYROLL EXAMPLE CO - Salary March | 2500.00 |
| 03/07/2024 | Sample Landlord - RENT MARCH - Standing order | -1234.56 |
| 03/11/2024 | Example Shop - REFUND EXAMPLE SHOP - Refund | 15.25 |
Do it by hand in a spreadsheet, free
These steps need no tool from this site. The cell references follow the column positions of the profile above; if your spreadsheet uses semicolons between formula arguments, replace the commas.
- Open the Monzo CSV in a spreadsheet program through its import dialog. Set the date column (column 2 "Date") to Text so the program does not reinterpret it, and leave the amount columns as numbers.
- Row 1 is the header and the transactions start in row 2.
- Date: rewrite column B from DD/MM/YYYY to MM/DD/YYYY (04/03/2024 becomes 03/04/2024). In a new column, for the first transaction:
=MID(B2,4,2)&"/"&MID(B2,1,2)&"/"&MID(B2,7,4)This formula reads the date by character position, so it only works while the dates are text and every date has a two-digit day and month. Fill it down. - Amounts: column H is already signed the way Wave wants (money out negative). Copy it as it is.
- Text columns: fill Description (from column 5 "Name", column 15 "Description" and column 12 "Notes and #tags"). Where several bank columns feed one column, join them with a separator such as " - ".
- Apply Wave's own rules from its help page: Keep only the date, amount and description columns; delete any other columns. The description column can be empty, but if filled it must contain words, not only numbers. Remove special characters such as #, &, $ and * from the file. Files with more than 100 rows tend not to upload; split them into files of no more than 100 rows each.
- Keep only the new columns, put the header row Date,Description,Amount on top, save the sheet as a comma-separated CSV, and compare the dates, the direction of the amounts and the number of rows with your statement in Wave's import preview.
Or use the converter
Load the file, choose the Monzo profile in the bank list and the target Wave, read the preview, then download. The conversion runs locally in your browser: the file is not uploaded, and only the licence key is sent for unlocking.
Free. The Monzo profile is one of the 5 free profiles of the converter. The free version writes the first 25 converted rows of a file; the 9 USD one-time licence removes that limit.
Where this layout comes from
No bank supplied or approved this layout. It was copied on 5 October 2026 from a public open-source importer file kept by volunteers: simonmichael/hledger, file examples/csv/banking/monzo.csv.rules
Also read: firefly-iii/import-configurations, file gb/monzo/default.json
The lines used from the source: header in a comment: Transaction ID,Date,Time,Type,Name,Emoji,Category,Amount,Currency,Local amount,Local currency,Notes and #tags,Address,Receipt,Description,Category split,Money Out,Money In,Balance,Balance currency ; sample row amount -13.75 for a card payment
The Wave rules come from the vendor's own help pages: support.waveapps.com/hc/en-us/articles/208621626-Upload-a-bank-or-credit-card-statement-in-csv-format (named as text, not linked), support.waveapps.com/hc/en-us/articles/208622596 (named as text, not linked). The official page refuses automated fetches (HTTP 403 or a script-only page), so the rules were read from web search excerpts of that same official URL on the checked date. Re-check in a browser before relying on a detail.
Bank formats change. Banks alter their CSV exports without notice and vendors change their import rules, so this mapping can be out of date. If the preview looks wrong, use the manual column mapper.
Related pages
Monzo to other apps
The Monzo guides for YNAB, QuickBooks Online and Xero, in the bank list