Short answer
monobank is the one bank Finman reads directly. You create a read-only personal token in the monobank app, paste it into Finman, and sync your cards: balances, then transactions in windows of up to 31 days. Purchases are sorted into categories by their merchant category code (MCC). If you would rather not use a token, a monobank CSV statement goes through the same import wizard as any other bank file.
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Why monobank is the bank Finman connects to
Most banks have no free personal API. That is true for every Canadian bank in 2026: aggregators such as Plaid and Flinks are paid business services, so for RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash and EQ Bank you download a statement file and import it. monobank publishes a documented personal API at api.monobank.ua. The account holder issues a token that can only read, and an app can request accounts and statements with it. Finman uses exactly that and nothing more.
Connect monobank in 4 steps
- 01Get the token. Open the monobank app, go to Settings → “API for developers” (or visit api.monobank.ua), sign in with your phone and copy the personal token.
- 02Paste it into Finman. On the bank connections screen choose Connect with token and paste it. Finman checks the token with monobank before saving it and shows an error if monobank rejects it.
- 03Sync accounts. Sync accounts creates one Finman account per card or account, named after the masked card number, in its own currency.
- 04Sync transactions. Sync transactions pulls the statement. Without dates it takes the last 30 days; you can ask for an earlier range, one window of up to 31 days at a time.
What comes across, field by field
| From monobank | In Finman |
|---|---|
| Card or account | One account each, named “Monobank” plus the masked card number, in the account’s currency. An account in a currency Finman cannot name is left out instead of being mislabelled. |
| Balance | Your own money: monobank’s balance minus the credit limit, so a credit limit is not counted as savings. |
| Operation date | The calendar date in Kyiv time, so a purchase at 00:30 in Kyiv lands on the right day. |
| Amount | Signed: spending is an expense, money in is income. |
| MCC | The category: groceries, dining, travel, health and so on. Without an MCC the description is matched against keywords, Ukrainian ones included (“Сільпо”, “АТБ”, “переказ”). |
Source: Finman app code for the monobank connection, checked 2 Nov 2026.
Limits that come from monobank
- 01One statement request per account every 60 seconds. If you sync too fast, monobank answers with a rate-limit error and Finman shows it as such. Wait a minute and sync again.
- 02At most 31 days per request. To bring in several months, sync them one window at a time.
- 03The token is revoked in the monobank app. Disconnecting in Finman stops the syncing; to kill the token itself, revoke it where you created it.
No double counting when you sync again
Each synced operation is compared with what the account already holds by date, amount and description. Repeats are skipped and counted as skipped, so syncing an overlapping window, or syncing after you imported a CSV for the same month, does not create duplicates. Sync does not overwrite the balance; Sync accounts refreshes it from monobank.
Prefer a file? The monobank CSV route
Finman’s import wizard has a monobank statement preset. It reads the amount in the card currency and the MCC column, and recognises the layout from the header in English or Ukrainian. The preset has not yet been confirmed against a real export, so the wizard says so and asks you to check the Date and Amount columns in the preview before importing. The steps are the same as for any bank file: see how to import a bank statement CSV.
monobank next to a Canadian bank
If you moved to Canada and still use monobank, keep both in one place: monobank by token in hryvnias, your Canadian chequing account by CSV, OFX or QFX file in dollars. Each account stays in its own currency, and net worth and reports convert to the base currency you choose. The setup is in budgeting in CAD and UAH, and the whole first-year plan in a newcomer budget for Canada.
Limits to know
- 01monobank is the only direct link. Other banks come from statement files or manual entry.
- 02Plans after the beta. Everything is free during the open beta. After it, the Free plan stays at $0 with accounts and transactions, budgets and goals, and CSV import, and Pro ($9 a month) adds the AI finance assistant, bank sync and anomaly detection. See pricing.
- 03Read-only. Finman cannot move money or make payments with the token, because monobank’s personal token only reads.
Frequently asked questions
Can a budget app connect to monobank?
Yes. monobank has a documented personal API. In Finman you paste a read-only personal token from the monobank app and sync your cards and transactions.
Where do I get a monobank personal token?
In the monobank app under Settings → “API for developers”, or at api.monobank.ua. Sign in with your phone and copy the token.
Can Finman spend money with my monobank token?
No. The personal token only reads accounts and statements; it cannot make payments or transfers.
How much history can I sync from monobank?
Up to 31 days per request, and one request per account every 60 seconds. A sync without dates takes the last 30 days; earlier months come in one window at a time.
How are monobank transactions categorized?
By the merchant category code (MCC) each operation carries. When there is no MCC, Finman matches keywords in the description, including Ukrainian ones.
Can I import a monobank CSV instead of using a token?
Yes. The import wizard has a monobank statement preset. Check the Date and Amount columns in the preview, because the preset has not yet been confirmed against a real export.
Bring monobank into one budget
Token sync for monobank, statement files for every other bank. Free during the open beta, no card.
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