Monobank Expense Tracker — Direct API Sync, No Plaid
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 from the corr_iban field, enabling smart transfer-pair consolidation
Windowed re-sync to fix drift without losing manual edits
Automatic Transfer Consolidation — both legs of a cross-bank transfer are detected via counter-IBAN and exchange-rate matching, then merged into a single transfer entry
Imported commissions become bank-fee entries, so fees stay in analytics after transfer consolidation
Counter-IBAN enrichment and transfer consolidation
Monobank's API returns a corr_iban field on every transaction that has a counterparty IBAN — outgoing payments, bank transfers, and peer-to-peer moves all carry it. Budgie stores this field per transaction leg, which gives the transfer-pair detector a primary signal: when the debit side and credit side of the same transfer both reference the same IBAN, they collapse into one transfer automatically.
When you transfer between two banks, both legs are automatically detected via counter-IBAN and exchange-rate matching, then consolidated into a single transfer — no double-counting in your spending stats, no manual cleanup needed.
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 |
| Bank fees | Often merged into the main amount | Tracked as fee entries |
| 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
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