Is Monzo Trends free?

Yes, Trends is included with a free Monzo account. Connecting one other bank or card is free; unlimited connections and custom categories need a paid plan (Extra, Perks or Max).

Can I use Monzo Trends without a Monzo account?

No. Trends lives inside the Monzo app. The Income Tracker works with any bank via CSV.

Can I import a CSV into Monzo Trends?

No. Trends has no CSV import or manual entry. You can export a CSV from Monzo and import it into The Income Tracker.

The Income Tracker vs Monzo Trends

By The Income Tracker · Updated 8 September 2026 · Facts checked 8 September 2026

The short answer

If you bank with Monzo, Trends is free, automatic and already on your phone, and you can connect one other bank or card for nothing. The catch is the ceiling: more connections need a paid plan, there is no CSV or manual entry, and it only exists inside Monzo. The Income Tracker works with every bank, needs no Monzo account, and is free with no ceiling.

Side by side

	The Income Tracker	Monzo Trends
Price	Free. No tiers, no trial clock.	Included with a free Monzo account. Paid plans: Extra £3, Perks £9, Max £19 a month.
Bank connection	None needed. Import a CSV you download yourself; open banking is opt-in and off by default.	Needs a Monzo current account. One external bank or card connects free; unlimited on Extra, Perks and Max.
Manual entry and CSV import	Yes, free. CSV, OFX, QIF and pasted text.	No CSV import and no manual entry.
Where your data lives	In your browser on your device. Optional sign-in to sync.	Inside Monzo.
Platforms	Web, installable on phone and desktop. iOS app in development.	The Monzo app (iOS, Android).
Categories	Your own categories, free, with merchant memory.	Monzo's categories; custom categories on paid plans.
Coverage	Any UK bank that exports a file, all in one ledger.	Monzo plus connected accounts.

Pick Monzo Trends if

Monzo is your main account and most of your spending is already there.
One extra connected account covers your other bank.
You want it automatic and you never want to export a file.

Pick The Income Tracker if

You use several banks or a non-Monzo main account.
You want custom categories, CSV import or a computer-sized view for free.
You want your budget to outlive any one bank.

Where Monzo Trends wins

Zero effort for Monzo customers. The data is already there, the categories are applied at the point of purchase, and the free external connection covers a lot of two-bank households. As a built-in feature it is better than most banks offer.

Where The Income Tracker wins

Independence. It does not care which bank you use, how many you have, or whether you keep them. Export a CSV from each, import them into one ledger, and your history stays with you if you switch banks. Custom categories, recurring detection and goals are free rather than tied to a plan.

Use both

Plenty of people do. Trends for the day-to-day glance inside Monzo, and a monthly CSV import here for the full picture across every account. The Monzo CSV export guide takes about a minute.

The Income TrackerTry the free, no-bank-login alternative to Monzo Trends.

Open the tracker →

Frequently asked questions

Is Monzo Trends free?: Yes, Trends is included with a free Monzo account. Connecting one other bank or card is free; unlimited connections and custom categories need a paid plan (Extra, Perks or Max).
Can I use Monzo Trends without a Monzo account?: No. Trends lives inside the Monzo app. The Income Tracker works with any bank via CSV.
Can I import a CSV into Monzo Trends?: No. Trends has no CSV import or manual entry. You can export a CSV from Monzo and import it into The Income Tracker.

Sources and checking

Facts on this page were last checked on 8 September 2026 against:

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