How to import your bank transactions into Neto

In the app, go to Settings and tap "Import data". The screen has three steps:

1. 1. "Download CSV template". This is a sample file with the exact format Neto understands: six columns, Date, Description, Category, Type, Account and Amount.
2. 2. "Copy instructions for your AI". Neto gives you a ready-written text, with the names of your own categories and accounts. You paste it into ChatGPT, Claude or Gemini together with the Excel, CSV or statement you downloaded from your bank, and the AI gives you back the transactions in the template's format.
3. 3. "Choose CSV file". You choose the resulting file and Neto shows you a "Review before importing" screen with all the transactions before anything is imported.

In the review you can tap a row to exclude it and choose a default account for rows that do not have one. Nothing is saved until you confirm.

• It does not change your account balances. Imported transactions go into your history and your statistics, but your current balance stays as it is. This way you can bring in three years of spending without throwing anything off.
• It does not duplicate the same file. If you import a file you have already imported, Neto recognises those transactions and does not count them twice. Even so, make sure two different files do not share dates.
• It can be undone. On the same screen, under "Previous imports", you can delete a whole import. Only those transactions are removed.
• Your statement does not go through Neto's servers. The conversion happens in the AI you choose, and only the final CSV that you have reviewed reaches Neto. Keep in mind that the AI does see the file you upload: if there is anything you do not want to share, delete it first.
• It has to be a CSV. If you choose an Excel file (.xlsx), the app warns you. In Excel, use Save As and choose CSV UTF-8.
• If the file is very large, the app asks you to split it. The easiest way is by year.

Each bank offers different formats. This is the order that works best for importing:

If your bank only gives you a PDF, it still works: upload it to your AI with Neto's instructions and check in the review that the number of transactions and a couple of amounts match the statement.

If your file is already a CSV with columns called Date, Concept or Description and Amount, try choosing it as it is. Neto shows you the review and, if it does not recognise the headers, tells you without importing anything.

We have gathered what each bank explains on its own help pages, with the literal name of each menu:

If your bank is not on the list, the route is the same: look on its website for the option to download or export transactions, choose Excel or CSV if it offers them and follow the three steps above.

1. 1. Transfers between your own accounts. Moving money from your account to your savings account is not spending. Exclude these in the review or your spending for the month will come out inflated.
2. 2. Refunds. A refund for a purchase comes in as income with a positive amount and reduces your real spending. The instructions Neto gives your AI already ask for it this way.
3. 3. Credit card. If you import the card detail and also the account, do not count the purchases twice along with the monthly charge that pays for them.

Importing is for the past. Day to day in Neto, you log each expense in a couple of taps, and everything comes together in one figure: your net worth. If you are coming from a spreadsheet, you may be interested in Neto vs spreadsheets, and if you want to see everything the app does, the usage guide.