Your Monobank, on your phone
Connect your Monobank account, choose how much history to pull to your device, and keep working offline. No third-party aggregator in between.
No spam, ever. Unsubscribe anytime.
- Free, no account
- Works offline
- Source-available
From one token to your home screen
Three screens: paste a personal token, pick the cards and jars you want, and watch them land on Home.
Paste one personal token
Budgie calls the Monobank API directly with a token you generate. No aggregator, no bank password.
Cards and jars arrive
Every Monobank card and every jar comes back as its own account, with a switch to leave any of them out.
- Generate it in Monobank
- Kept in your local database
- Each card with its balance
- Jars come across too
Everything Monobank knows, nothing extra in the loop
companies between you and your bankBudgie asks Monobank directly from your phone. Nobody else sees a single transaction.
token for everythingAll cards and jars on one connection.
history if you want itPick how far back to go, from one month to the whole period.
Why skip the middleman
Many bank-sync apps route your bank through a data aggregator. Here is what changes when they don't.
Apps that use an aggregator
- Your bank access sits in someone else's vault
- Every transaction is copied to their servers
- Original exchange rates are often lost
- Fees often get folded into the amount
Budgie with Monobank
- Your token, kept on your phone
- Transactions go from Monobank straight to you
- The original amount stays on foreign purchases
- Fees show up as their own entries
Don't trust us. Check.
Budgie is source-available, so anyone can read exactly what happens to your bank data.
Turn on airplane mode: everything already synced still works
There is no Budgie server to send anything to
Read the source
What you get
Transfers that don't count twice
Automatic transfer consolidation — both sides of a transfer between your accounts are detected from the counterparty account and exchange rate, then merged into a single transfer
Jars next to your cards
Jars sync next to your cards, each one selectable on its own, with top-ups merged into transfers
Fix drift without losing edits
Windowed re-sync to fix drift while keeping your own comments, categories and tags
Everything included
- Direct connection to Monobank with your personal token — your token, your call
- Choose your history on first connect — 1, 3 or 6 months, a year, everything, or new transactions only — then refreshes on app open and in the background
- Cross-currency transactions keep their original exchange rate
- Counterparty account numbers are kept, enabling smart transfer consolidation
- On iPhone, a long history import keeps running in the background with a progress notice
- Imported commissions become bank-fee entries, so fees stay in analytics after transfer consolidation
The details
For when you want to know exactly how it behaves.
Why a direct connection matters more than convenience
Monobank offers a public API, so Budgie talks to it directly from your phone using your token — no data broker in between. New transactions arrive each time you open the app, and in the background at intervals your phone's system decides.
Cross-currency transactions carry their original exchange rate. The counterparty account number Monobank reports lets Budgie auto-merge the two sides of a transfer between accounts you own. The optional re-sync window lets you re-pull just the last 7, 30 or 90 days when your data drifts, while your own comments and categories stay.
Counterparty accounts and transfer consolidation
Monobank reports the counterparty's account number on payments and transfers that have one. Budgie keeps it with each transaction, which gives transfer matching its main signal: when the outgoing and incoming sides of the same transfer point at the same account, they collapse into one transfer automatically.
The same matching runs between two banks and between a card and one of your jars: both sides are matched on the counterparty account and exchange rate, then consolidated into a single transfer — no double-counting in your spending stats, no manual cleanup needed.
Questions
How is this different from aggregator-based apps?
An aggregator sits between you and your bank, mirroring your transactions to its servers. Budgie talks to Monobank directly from your phone using your token. Monobank sees the request; nothing else.
How often does it sync?
Budgie refreshes Monobank every time you open the app, and also in the background. In the background your phone's system decides when to run it, so there is no fixed schedule and new transactions do not appear the instant they happen.
How much history can I pull?
When you connect you pick 1, 3 or 6 months, a year, the whole period, or only new transactions. Monobank sends about one month of history per minute for each account you selected, so a long history can take hours and runs much slower while the app is closed. On iPhone it keeps going in the background.
Where does my Monobank token live?
On your device, in Budgie's local database. It is never sent to a Budgie server — there is none.
Can I use multiple Monobank accounts?
Yes — one token grants access to all your Monobank accounts. Pick which to import per account.
Do jars sync as well?
Yes. Jars are fetched alongside your cards and listed in their own section during setup, so you choose them one by one. Topping a jar up from a card is detected as a transfer between your own accounts rather than counted as spending.
What if Monobank's API changes?
Budgie is source-available, and the Monobank connection is kept current through regular releases.
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.