How to Import mBank Transactions to Freenance

mBank is one of Poland's most digitally advanced banks, and exporting your transaction data is straightforward. This guide walks through the export process and import into Freenance.

Export from mBank online banking

Step 1: Log in to mBank online

Navigate to online.mbank.pl and log in. You can also use the mBank mobile app.

Step 2: Navigate to account history

Click on your account (eKonto, eMax, or savings account). Select "Historia operacji" (Transaction history).

Step 3: Set the date range and export

Choose the date range for your export. For the initial import, select the maximum available range (typically up to 12 months of detailed history).

Click the export button and select CSV format. mBank offers several export formats; CSV is the most compatible with Freenance.

Step 4: Rename the file

Freenance expects CSV files named mbank-{account-number}.csv (full IBAN, no spaces, no PL prefix). Rename the file mBank downloaded — for example mbank-12114020040000332815664000.csv.

Step 5: Import into Freenance

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

Note: mBank generates several CSV variants depending on your account type. If your import returns "0 incomes, 0 expenses created", email us with an anonymized sample — we add new variants in 1–3 business days.

mBank CSV format details

mBank's CSV export includes:

• Transaction date (data operacji)
• Posting date (data ksiegowania)
• Description (opis operacji)
• Transaction title (tytul)
• Counterparty name and account number
• Amount
• Balance after transaction

The rich description fields in mBank's export enable excellent auto-categorisation in Freenance. Merchant names, payment references, and transaction types are usually clearly identified.

Tips for mBank users

Export all accounts separately

If you have multiple mBank accounts (eKonto for daily spending, eMax for savings, currency accounts), export each one separately. Freenance tracks each account individually while showing the combined picture.

Monthly export routine

Set a monthly reminder to export and import. The process takes under 2 minutes and keeps your financial data current.

eMakler (brokerage) data

mBank's eMakler brokerage account data requires a separate export. Investment transaction history can be exported from the eMakler section of mBank's platform. Freenance handles both banking and brokerage data.

What mBank data shows in Freenance

After import, you gain:

• Detailed spending breakdown with automatic categorisation of card payments, standing orders, and transfers
• Income identification including salary, freelance payments, and other income sources
• Recurring transaction detection for subscriptions, insurance, utilities, and other fixed costs
• Savings rate tracking based on the difference between income and spending
• Net worth contribution from all mBank account balances

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FAQ

What filename does Freenance expect for an mBank CSV?

Use mbank-{account-number}.csv with the full IBAN, no spaces, and no PL prefix — for example mbank-12114020040000332815664000.csv. This lets Freenance recognise the same account across future imports and skip duplicates.

What should I do if my mBank import shows "0 incomes, 0 expenses created"?

mBank produces several CSV variants depending on account type and locale. Email an anonymised sample to hello@freenance.io and a new variant is typically added within 1–3 business days so your future imports work end-to-end.

Does Freenance handle my mBank eMakler brokerage data too?

Yes. eMakler transaction history is exported separately from the eMakler section of mBank's platform and uploaded the same way. Freenance treats banking and brokerage data side by side for a complete net worth view.

Should I export each mBank account separately?

Yes — eKonto, eMax, savings, and currency accounts should each be exported and uploaded as their own CSV. Freenance still consolidates them into one dashboard, but tracks per-account balances and categories cleanly.

Will Freenance see my mBank password or 2FA codes during import?

No. Freenance never asks for online banking credentials, mobile app PINs, or 2FA codes. It only processes the CSV file you download yourself, and uploads are transmitted over an encrypted connection.