BNP Paribas Integration — Import Transactions to Freenance

Importing Transactions from BNP Paribas

BNP Paribas Bank Polska offers CSV export of your transaction history through GOonline. Once you have the file, you can upload it to Freenance — the system automatically categorizes spending, detects subscriptions, and shows your Financial Freedom Runway.

Integration status (May 2026): GOonline generates several CSV variants depending on account type. We add support for new variants based on user reports. If your import returns "0 incomes, 0 expenses created", email us with an anonymized sample — we add new format support within 1–3 business days.

Step 1: Export from GOonline

1. Sign in to GOonline (goonline.bnpparibas.pl).
2. Go to Accounts and Cards and pick the account you want to export.
3. Open Account Statement or Transaction History.
4. Set the date range. GOonline allows up to 12 months per export.
5. Click Export or Download Statement and choose CSV.
6. Save the file.

Step 2: Rename the file

Freenance expects CSV files to follow this naming convention:

bnp-{account-number}.csv

Example: bnp-12345678901234567890123456.csv (full IBAN account number, no spaces, no PL prefix).

Step 3: Import to Freenance

1. Sign in to Freenance.
2. Open Configuration → Bank import.
3. Drag the CSV onto the upload area or click Choose file.
4. Click Upload.
5. After a few seconds the import job will report how many incomes and expenses were created and the date range covered.

The file is processed on Freenance's server. Freenance does not ask for your GOonline login or password.

What happens after import

• Automatic categorization — Biedronka → Groceries, Orlen → Transport, Netflix → Subscriptions. Categorization learns from your edits.
• Recurring payment detection — subscriptions, loan instalments, rent get flagged as recurring.
• Duplicate detection — overlapping import windows skip transactions already in your database.
• Internal transfer detection — transfers between your own accounts in Freenance aren't counted as income or expense.

If the import fails

• Different CSV variant — GOonline generates different formats depending on account type. Email us with an anonymized sample.
• XLS file instead of CSV — Freenance imports CSV and MT940 only. Convert in Excel/LibreOffice to CSV (UTF-8).
• Polish character encoding — export in UTF-8; if the file is Windows-1250, Freenance still handles it, but if you see garbled characters, re-save as UTF-8.
• Filename doesn't match the schema — rename to bnp-{26-digit-IBAN}.csv.

Security

• No bank account access — Freenance never asks for your GOonline login or password.
• Encrypted transmission — all uploads use HTTPS.
• Delete any time — from your Freenance account you can delete individual transactions, an entire account, or all your data (GDPR-compliant).

Other banks in Freenance

Freenance also imports from PKO, ING, Revolut, Credit Agricole, Nest Bank, Millennium, and mBank. All accounts live in one dashboard with one categorization model and one budget.

Get started

👉 Sign up for Freenance and import your first BNP Paribas file. If something doesn't work — email us at hello@freenance.io.

FAQ

Does Freenance connect to BNP Paribas via PSD2 or only via CSV?

For now Freenance imports BNP Paribas data via CSV files you export from GOonline. We do not request your GOonline login, password, or SMS/app codes, so the bank's credentials never leave your possession.

How long a history can I export from GOonline?

GOonline typically allows up to 12 months of transactions per CSV export, and you can run several exports back-to-back to cover multiple years. Freenance's duplicate detection automatically skips overlapping rows, so re-importing the same period does not create duplicates.

What if my BNP Paribas CSV looks different from yours?

GOonline produces several CSV variants depending on account type and whether you exported from personal or business banking. If your import returns 0 incomes and 0 expenses, send an anonymized sample to hello@freenance.io — new variants are usually supported within 1–3 business days.

Can Freenance handle Polish characters in BNP Paribas exports?

Yes — Freenance reads both UTF-8 and Windows-1250 encodings, which covers the standard GOonline exports. If you still see garbled characters, open the file in Excel or LibreOffice and re-save it as CSV (UTF-8) before uploading.

Is this integration regulated as a payment service?

No — Freenance is a budgeting and net-worth tracking tool, not a regulated payment institution, and importing CSV files does not constitute payment initiation. Freenance does not provide investment advice and cannot move money in or out of your BNP Paribas account.