A UK household budget that starts with your bank statement.

Download last month's CSV from Lloyds, Monzo or Starling, or the PDF statement from Nationwide, and upload it. Penny gives every line a proper name and a category, the council tax direct debit and the rent standing order included. She asks before filing anything she is unsure of, and either of you can edit or delete a row.

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Penny: SO is a standing order. That one is your rent.

lloyds-export.csv

Transaction Date,Transaction Type,Sort Code,Account Number,Transaction Description,Debit Amount,Credit Amount,Balance,
02/03/2026,DEB,'12-34-56,12345678,SUPERMARKET CHECKOUT,42.18,,1857.82,
05/03/2026,BGC,'12-34-56,12345678,EXAMPLE EMPLOYER SALARY,,2100.00,3809.82,
06/03/2026,SO,'12-34-56,12345678,RENT STANDING ORDER,950.00,,2859.82,

In the ledger

2 MarSupermarketGroceries−£42.18
5 MarExample EmployerSalary+£2,100.00
6 MarRentRent/Mortgage−£950.00

Header and rows from our test file for Lloyds Bank's export layout. The rows are made up; no real transactions.

Built and tested against Lloyds, Monzo, Starling and Nationwide.

Every UK bank writes its export its own way. Lloyds splits money in and money out into two columns; Monzo writes the same amount twice. Each layout below has a test file the importer runs against on every change.

Lloyds Bank
CSV
Separate Debit Amount and Credit Amount columns, a trailing comma that adds an empty ninth column, and sort codes carrying a leading apostrophe from Excel. The column a number sits in is its sign.
Built and tested against this bank's export format, from a published sample or a working importer.
Monzo
CSV
Eighteen columns, the date and time apart, and the same amount written twice: once signed in Amount and again in Money Out or Money In. There is no running balance, which is normal for Monzo.
Built and tested against this bank's export format, from a published sample or a working importer.
Starling Bank
CSV
A signed Amount (GBP) column with a running balance, and an opening balance row with no date. Mitten reports that row as skipped, so the count you see adds up.
Built and tested against this bank's export format, from a published sample or a working importer.
Nationwide
PDF
The current account statement, with £ Out, £ In and £ Balance columns and dates printed like 29-Jul with no year on the row. Same-day payments share one printed date.
Tested against a sample statement this bank publishes.

Bank not listed? Upload the statement anyway. Penny reads PDFs from most banks directly, and if yours does not go through, send it to support@mitten.money and we will look at it.

No partnership with any bank, and nothing here is certified or endorsed by one. Bank names belong to their owners. The rows in our test files are made up; no real customer statement is used.

Day first, in pounds, with the same direct debits every month.

Day before month

UK statements print the day first, so 02/03/2026 is 2 March. Mitten looks at every date in the file before it settles on an order, then reads every row the same way. A statement never comes out half in March and half in February.

Pounds, and the odd euro

Set the household's currency to pounds. A card payment in euros on holiday is converted at that day's rate when it is saved, and the rate stays with the transaction, so last summer's numbers never drift.

Lines that come round every month

Council tax and the rent standing order turn up on every statement. Correct Penny once on how your household files COUNCIL TAX and next month's upload follows suit.

A joint account for the bills, your own for the rest? That works.

Paying the bills from a joint account and keeping your own for everything else? Splitting rent and energy three or four ways in a house share? Either way, upload whichever accounts the household should see, and everyone reads the same numbers on their own login, up to five people on one plan. Our guides to joint and separate accounts and splitting bills work through both setups with real figures.

Comparing apps? The compare page sets out what bank sync apps and spreadsheets are each good at, and where Mitten differs.

UK open banking is mature. Mitten reads statements on purpose.

The Competition and Markets Authority ordered the nine largest banks to open up customer data through secure, standard connections, and by mid-2025 Open Banking Limited counted more than fifteen million people using them. If you want an app wired to your bank, the UK is a good place to have one.

With a statement, you decide which accounts and which months the household sees, and nothing arrives that you did not upload yourself. No third party keeps a live connection to your account between uploads. It is the same app in every country, so a partner with an account abroad fits in too.

The timeline, as of October 2026

2017
Open banking launches in the UK, with the CMA ordering the nine largest retail banks to open up customer data through secure, standard connections.
Sep 2024
The CMA confirms the open banking roadmap is fully complete.
Jul 2025
Open Banking Limited reports 15.16 million UK users, nearly one adult in three.
Dec 2025
The FCA writes that new powers under the Data (Use and Access) Act will let it set open banking rules, with a future entity taking over from Open Banking Limited.

Sources

One plan covers the whole house.

Up to 5 members, each with their own login, for $12/month or $89/year. The first 14 days are free, no card needed.

Shown in US dollars here. Checkout shows exactly what you will pay before you pay. See pricing

Upload last month's statement and see where it went.