ING Bank Integration — Import Transactions to Freenance

Import Transactions from ING Bank Śląski

ING Bank Śląski is one of Poland's largest and most technologically advanced banks, serving millions of customers through its Moje ING online banking platform and mobile app. Freenance integrates seamlessly with ING, allowing you to import your complete transaction history via CSV or MT940 files. Once imported, your ING transactions are automatically categorized, analyzed, and included in your overall financial picture — giving you detailed insights into your spending patterns, savings rate, and progress toward financial freedom.

Whether you have a single checking account or multiple accounts (savings, currency, joint), Freenance handles them all. Import your data in under two minutes and start seeing the complete picture of your finances.

Why Import ING Bank Transactions into Freenance?

ING's Moje ING platform provides useful transaction overviews and basic spending analysis, but Freenance takes it much further. Here is what you gain by importing ING data:

• Unified financial view — see ING transactions alongside other banks (mBank, PKO BP), Revolut, investment accounts, crypto exchanges, and more. No more switching between apps
• AI-powered categorization — Freenance uses machine learning to automatically classify transactions into detailed categories like groceries, dining, transport, subscriptions, healthcare, and entertainment
• Recurring transaction detection — automatically identify all your standing orders, direct debits, and subscription payments. Know exactly how much you spend on fixed costs each month
• Spending trends and analysis — track how your spending changes over time. Are your grocery costs rising? Is your dining budget under control? Freenance shows you trends that Moje ING does not
• Net worth tracking — your ING account balances become part of your total net worth calculation, combined with investments, crypto, and other assets
• Financial Freedom Runway — Freenance calculates how many months you could sustain your current lifestyle without income. Importing all your accounts gives the most accurate estimate
• Multi-account aggregation — if you have multiple ING accounts, Freenance tracks each one separately while showing the combined picture

Step-by-Step Guide: Export from Moje ING (Online Banking)

Moje ING is ING Bank Śląski's online banking platform, accessible at login.ing.pl. Here is the detailed process for exporting your transaction history.

Step 1: Log in to Moje ING

1. Open your browser and navigate to login.ing.pl
2. Enter your login credentials (client number and password, or login via the ING Mobile app confirmation)
3. Complete any additional security verification if prompted
4. You will land on the Moje ING dashboard showing your accounts overview

Step 2: Navigate to Transaction History

1. Click on the Finance tab in the main navigation, or go directly to History
2. Select the specific account you want to export — your main checking account, savings account, or any other account
3. The transaction history list will load, showing your recent transactions

Step 3: Set the Date Range

1. Use the date filters to select your desired date range
2. We recommend exporting at least 3 months of history for meaningful spending analysis
3. For a comprehensive financial overview, export 6 to 12 months
4. ING allows exports of extended date ranges, but very large exports may take longer to generate

Step 4: Download the Statement

1. Look for the Download or Export button — it is typically represented by a downward arrow icon (⬇) in the upper-right corner of the transaction list
2. Click the button to open the export options
3. Choose your preferred format:
   • CSV — recommended for most users. Simple, widely compatible, easy to import
   • MT940 — standardized banking format (SWIFT). Useful if you also use accounting software or need a more structured format
4. Click Download and save the file to your computer
5. Note where you saved the file — you will need it for the import step

Pro tip: If you have multiple accounts at ING (checking, savings, EUR account), export each account separately. Freenance will track them independently and show a combined view.

See our [setup guide] for visual walkthrough of the Moje ING export process.

Step-by-Step Guide: Export from the ING Mobile App

The ING mobile app (available for iOS and Android) also allows you to export your transaction history.

Step 1: Open Account History

1. Launch the ING Mobile app on your smartphone
2. Tap on the account whose history you want to export
3. Navigate to the History section — you will see a list of recent transactions

Step 2: Export Transactions

1. Tap the three-dot menu (⋯) or the export/share icon in the upper-right corner
2. Select Export or Download statement from the menu
3. Choose your preferred date range
4. Select the CSV format
5. The app will generate the file. You can:
   • Share it via email (send it to yourself)
   • Save it to your device's file system
   • Upload it to Google Drive, iCloud, or another cloud service

Step 3: Transfer to Your Computer (if needed)

If you exported on your phone but want to import via Freenance on a desktop:

1. Email the file to yourself, or
2. Access it from your cloud storage
3. Download it on your computer before proceeding to the import

Step-by-Step Guide: Import to Freenance

Once you have your ING export file (CSV or MT940), importing to Freenance is fast and straightforward.

Step 1: Rename the file before uploading

Freenance expects CSV files named ing-{account-number}.csv — the 26-digit IBAN, no spaces, no PL prefix. Example: ing-37105010541000009843457327.csv. MT940 files (.sta/.mt940) don't need renaming.

ING Moje generates files with default names; rename them to match the schema before uploading or Freenance will reject the upload.

Step 2: Open the Import Screen

1. Sign in to Freenance at freenance.io
2. Open Configuration → Bank import

Step 3: Upload Your File

1. Drag and drop your CSV or MT940 file onto the upload area, or click Choose file to browse
2. Click Upload
3. Freenance will automatically detect the file format (CSV vs MT940) and parse it correctly

Step 3: Confirm the Import

1. Review the transaction preview to verify everything looks correct
2. Click Confirm Import
3. Freenance will process all transactions, apply automatic categorization, and detect duplicates from any previous imports
4. You will see an import summary showing:
   • Total number of transactions imported
   • Number automatically categorized
   • Number requiring manual review
   • Any duplicates that were skipped

What Data Is Imported from ING Bank?

When you upload an ING file, Freenance extracts and processes the following data fields:

All fields are automatically mapped — no manual configuration is required.

Supported ING File Formats

CSV Format

The CSV (Comma-Separated Values) format is the most common and easiest to use. ING's CSV files contain all the essential transaction data in a tabular format that Freenance can parse automatically.

Technical details:

• Encoding: ING typically exports in UTF-8, but Freenance also handles Windows-1250 encoding automatically
• Delimiter: ING CSV files may use semicolons (;) instead of commas — Freenance detects this automatically
• Date format: Dates are typically in YYYY-MM-DD or DD.MM.YYYY format — both are supported

MT940 Format

MT940 is a standardized electronic bank statement format defined by SWIFT (Society for Worldwide Interbank Financial Telecommunication). It is used by banks worldwide and is particularly popular with accounting software.

When to use MT940:

• If you use accounting software (e.g., for a sole proprietorship) that also accepts MT940
• If you want a more structured, machine-readable format
• If you need to import the same data into multiple financial tools

Technical details:

• MT940 files have a .sta or .mt940 extension
• They contain structured blocks for each transaction with standardized field codes
• Freenance parses all standard MT940 fields including balance information

Both CSV and MT940 contain the same core transaction data. For most users, CSV is the recommended format due to its simplicity.

Transaction Categorization for ING Bank

Freenance's AI categorization engine is specifically trained on Polish banking transaction descriptions, making it highly effective with ING Bank exports. Here are examples of automatic categorization:

Common Categories and Merchants

• Groceries: Biedronka, Lidl, Żabka, Kaufland, Auchan, Carrefour, Netto, Dino, Stokrotka
• Dining and Takeout: McDonald's, KFC, Pizza Hut, Uber Eats, Wolt, Pyszne.pl, Starbucks
• Transport: PKP Intercity, Bolt, Uber, Orlen, BP, Shell, Circle K, Jakdojade
• Shopping: Allegro, Amazon, Zalando, IKEA, Media Markt, Decathlon, Empik, Rossmann
• Subscriptions: Netflix, Spotify, YouTube Premium, HBO Max, Disney+, Apple, Google One
• Utilities: PGE, Tauron, Enea, PGNiG, Veolia, MPWiK, municipal services
• Housing: Standing orders for rent, mortgage payments, HOA fees (czynsz)
• Healthcare: Medicover, Luxmed, Enel-Med, pharmacy purchases
• Insurance: PZU, Warta, Allianz, Ergo Hestia, AXA

How Categorization Works

1. Merchant recognition — Freenance identifies the merchant from the transaction description and maps it to a category
2. Pattern matching — recurring payments with consistent descriptions are matched to categories based on patterns
3. Machine learning — the system learns from your manual categorizations and improves over time
4. Fallback — transactions that cannot be automatically categorized are flagged for your review. Each manual categorization helps the system learn

Multi-Account Management

Many ING Bank customers have more than one account. Common setups include:

Typical Multi-Account Scenarios

• Main checking account (PLN) — salary deposits, daily spending, bill payments
• Savings account — emergency fund, goal-based savings
• Currency account (EUR, USD) — for foreign transactions or travel
• Joint account — shared expenses with a partner
• Business account (if sole proprietor) — separate business finances

How Freenance Handles Multiple Accounts

1. Export each account separately from Moje ING
2. Import each file as a distinct account in Freenance
3. Freenance will:
   • Track each account independently with its own balance history
   • Detect internal transfers between your own ING accounts (so they are not counted as income or expenses)
   • Show a combined view of all ING accounts in your dashboard
   • Include all account balances in your total net worth calculation

Internal Transfer Detection

When you transfer money between your own ING accounts (for example, from checking to savings), Freenance recognizes this as an internal transfer. This means:

• The transfer is not counted as an expense on the sending account
• The transfer is not counted as income on the receiving account
• Your total spending analysis remains accurate
• Only genuine income and expenses affect your financial metrics

Import Frequency and Best Practices

How Often to Import

• Monthly — recommended minimum for accurate financial tracking
• Weekly — for users who want more granular spending analysis
• After major financial events — large purchases, salary changes, new recurring payments

Duplicate Detection

Freenance automatically detects duplicate transactions when you import overlapping date ranges. The system matches transactions by:

• Transaction date
• Amount
• Description
• Counterparty

This means you can safely import the same period multiple times without creating double entries. New transactions will be added, and existing ones will be skipped.

Security and Privacy

Your ING Bank data is handled with the highest level of care:

• No banking credentials required — Freenance never asks for your Moje ING login credentials. You export the file yourself and upload it manually. Your banking password stays with you
• Encrypted communication — files are uploaded over HTTPS and processed on Freenance servers; no raw bank data is shared with third parties
• Automatic duplicate detection — re-importing the same file does not create duplicate entries
• Data deletion — you can delete all imported ING data from your Freenance account at any time through account settings
• No third-party sharing — your financial data is never shared with advertisers, data brokers, or any third parties
• GDPR compliance — Freenance is fully compliant with EU GDPR regulations regarding data processing and storage

Troubleshooting Common Issues

Problem: File encoding errors (garbled Polish characters)

Solution: If you see characters like "ÅÄ" instead of "śł", the file encoding may have been changed. This usually happens when you open the CSV in Excel before importing. Import the original, unmodified file directly into Freenance. The system handles both UTF-8 and Windows-1250 encodings automatically.

Problem: Import shows zero transactions

Solution: Verify that you selected a date range with transactions when exporting from Moje ING. Also check that you are exporting from an active account — dormant accounts may have no transactions in the selected period.

Problem: Internal transfers are showing as expenses

Solution: Freenance detects internal transfers based on matching counterparty account numbers. If a transfer between your own accounts is incorrectly classified as an expense, manually recategorize it as a transfer. Freenance will learn from this correction.

Problem: MT940 file is not recognized

Solution: Ensure the file has a .sta or .mt940 extension. Some browsers may change the extension during download. Rename the file if needed and try the import again. Also verify that the file was exported from ING and not from a third-party tool that may have modified the format.

Problem: Some transactions have no category

Solution: Transactions with vague or very short descriptions may not be automatically categorized. Review the flagged transactions and assign categories manually. Freenance's AI will learn from your choices and improve categorization for similar future transactions.

Problem: Balance after import does not match Moje ING

Solution: Balance discrepancies can occur if you did not import the complete transaction history. Freenance calculates running balances from imported transactions. For accurate balance tracking, make sure to import transactions from the earliest available date or import a statement that includes the opening balance.

Frequently Asked Questions

How often should I import transactions from ING?

We recommend importing at least once a month. Weekly imports are ideal for users who want to stay on top of their spending. Freenance's duplicate detection ensures no double-counting, so you can import as often as you like.

Can I import from multiple ING accounts?

Yes. Export each account separately from Moje ING and import each file as a distinct account in Freenance. Each account will be tracked independently, and all accounts contribute to your total net worth.

Does Freenance support ING Bank credit card statements?

If your ING credit card transactions appear in your Moje ING transaction history (which they typically do), they will be included in the CSV export. Import them the same way as checking account transactions.

Is there an automatic sync option for ING Bank?

Freenance currently supports manual file imports (CSV and MT940) for ING Bank — we don't connect directly to bank APIs and don't promise dates for that. Manual imports give you full control over exactly what data is shared, and they only take a couple of minutes per month.

What is the difference between CSV and MT940 for ING?

CSV is a simple tabular format that is easy to view in any spreadsheet application. MT940 is a standardized banking format with more structured data blocks. Both contain the same core transaction information. For most users, CSV is simpler and recommended. Use MT940 if you also need the file for accounting software.

Can I import ING transactions in currencies other than PLN?

Yes. If you have EUR, USD, or other currency accounts at ING, export them separately and import into Freenance. Each currency account will be tracked individually, and Freenance will convert the values to your base currency for unified reporting.

Start Tracking Your Finances with ING and Freenance

Importing transactions from ING Bank Śląski is the first step toward complete budget control. With Freenance, you will see where your money goes, understand your savings rate, track your net worth, and measure your progress toward financial independence. It takes just two minutes to set up — and the insights last a lifetime.

👉 Import your ING transactions at freenance.io