Monobank Auto-Sync for the Privacy-Conscious
Connect your Monobank account, pull a full transaction history straight to your device, and keep working offline. No third-party aggregator in between.
Why direct API matters more than convenience
Monobank exposes a clean public API, so Budgie talks to it directly from your phone using your token — no Plaid, no data broker. Every transaction lands in your local SQLite database the moment it arrives.
Cross-currency transactions carry their original FX rate. Counter-party IBANs are stored, which lets Budgie auto-merge transfer pairs across two accounts you own. The optional re-sync window lets you re-pull just the last N days when your data drifts — without nuking manual edits.
What you get
Direct Monobank Personal API — your token, your call
Full historical sync on first connect, then incremental every 30 minutes
Cross-currency transactions preserve original FX rate per leg
Counter-IBAN stored, enabling smart transfer-pair consolidation
Windowed re-sync to fix drift without losing manual edits
How it works
Generate a personal API token from the Monobank app, paste it into Budgie, choose which Monobank accounts to import, and select an initial sync window. A background task syncs every 30 minutes when you're online; you control the cadence and can pause anytime.
Plaid-based apps vs. Budgie + Monobank
| Concern | Plaid-based app | Budgie |
|---|---|---|
| Token control | Plaid-managed credential vault | Your token, in your keystore |
| FX preserved | Often dropped or recomputed | Original FX kept per leg |
| Counter-IBAN stored | Rarely surfaced | Yes — enables transfer-pair detection |
| Aggregator middleman | Plaid (or similar) sees every transaction | None — Budgie talks to Monobank directly |
Frequently Asked Questions
How is this different from Plaid-based apps?
Where does my Monobank token live?
Can I use multiple Monobank accounts?
What if Monobank's API changes?
Related Features
Read More on the Blog
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.