mBank Integration — Import Transactions to Freenance

Importing Transactions from mBank to Freenance

mBank is one of Poland's most popular digital banks, serving over 5.5 million retail customers. Known for its excellent mobile app and modern approach to banking, mBank is a natural fit for Freenance users who want to track their expenses, savings, and financial independence progress automatically.

Freenance supports importing your mBank transaction history via CSV files. Once imported, transactions are automatically categorized using AI, giving you instant visibility into your spending patterns and savings rate — key metrics on your path to financial freedom.

Why Connect mBank to Freenance?

The problem: scattered financial data

Most people with mBank accounts also have:

• Savings accounts or deposits at other banks
• Investment accounts (XTB, DEGIRO, or brokerage via mBank/eMakler)
• Cryptocurrency holdings (Binance, Bybit)
• Revolut or other fintech accounts
• Cash transactions and informal savings

Without aggregation, you can't see your true financial picture — how much you earn, spend, save, invest, and most importantly, how long your runway to financial independence actually is.

The solution: Freenance as your financial command center

By importing mBank transactions into Freenance, you get:

• Complete expense tracking — every transaction categorized and analyzed
• Savings rate calculation — see what percentage of income you actually save
• Spending trends — month-over-month comparisons, seasonal patterns
• Net worth tracking — mBank balances alongside all other assets
• Financial Freedom Runway — how many months you could live without working
• AI-powered insights — automatic detection of subscription creep, unusual expenses, optimization opportunities

Step-by-Step Guide: Exporting from mBank

Method 1: mBank Online Banking (Desktop)

1. Log in to your mBank online banking at online.mbank.pl
2. Navigate to Historia operacji (Transaction History)
3. Select the account you want to export (personal, savings, or card account)
4. Set the date range — we recommend exporting 3–6 months for your first import, then monthly afterwards
5. Click Eksportuj (Export) or Pobierz (Download)
6. Choose format: CSV
7. Select encoding: UTF-8 (recommended for Polish characters)
8. Save the file to your computer

Method 2: mBank Mobile App

1. Open the mBank mobile app
2. Go to Historia (History) for the relevant account
3. Tap the filter icon and set the date range
4. Tap Eksportuj (Export) — available in recent app versions
5. Choose CSV format
6. Share the file to your email or files app, then upload to Freenance

Method 3: mBank eMakler (for investment transactions)

If you use mBank's eMakler brokerage service:

1. Log in to mBank online banking
2. Navigate to eMakler → Historia zleceń (Order history)
3. Export in CSV format
4. This includes stock purchases, sales, dividends, and fees
5. Import separately into Freenance's investment tracking module

Tips for successful export

• Date format: mBank exports dates as DD.MM.YYYY — Freenance handles this automatically
• Multiple accounts: Export each account separately (personal, savings, credit card) and import them individually
• Currency: mBank CSV includes the currency column — multi-currency accounts (PLN, EUR, USD) are supported
• Large exports: If exporting more than 12 months, mBank may split into multiple files — import all of them

Step-by-Step Guide: Importing to Freenance

Step 1: Access the import screen

1. Log in to Freenance
2. Navigate to Expenses → Import (or use the quick import button on the dashboard)
3. Click Add new import

Step 2: Select your bank

1. Choose mBank from the list of supported banks
2. Freenance automatically applies the correct CSV parsing rules for mBank's format

Step 3: Upload and preview

1. Drag and drop your CSV file or click Choose file
2. Freenance displays a preview of detected transactions
3. Review the preview — check that dates, amounts, and descriptions look correct
4. If something looks off, check that you exported in the right format (CSV, UTF-8)

Step 4: Confirm and categorize

1. Click Import to process the transactions
2. Freenance's AI automatically categorizes each transaction based on:
   • Merchant name (e.g., Biedronka → Groceries, Netflix → Entertainment)
   • Transaction description (e.g., PRZELEW → Transfer, OPŁATA → Fee)
   • Amount patterns (recurring fixed amounts → likely subscriptions)
   • Your history (if you've recategorized similar transactions before, AI learns from it)
3. Transactions flagged as "uncertain" appear in a review queue for manual confirmation

Step 5: Set up recurring imports

For ongoing tracking:

• Export from mBank once per month (we recommend the 1st of each month for the previous month)
• Import into Freenance — duplicates are automatically detected and skipped
• Over time, AI categorization accuracy improves as it learns your spending patterns

Supported mBank Export Formats

What Gets Imported?

Every transaction from your mBank CSV includes:

AI-Powered Categorization — How It Works

Freenance uses machine learning to automatically categorize your mBank transactions. Here's what happens behind the scenes:

Category mapping examples

Handling edge cases

• Transfers between own accounts — detected and excluded from expense calculations (internal transfers, not expenses)
• ATM withdrawals — categorized as "Cash" — you can manually split into sub-categories if you track cash spending
• One-time large transactions — flagged for review (e.g., a 15,000 PLN BLIK transfer could be a purchase, gift, or debt repayment)
• Foreign currency transactions — automatically converted to PLN at the transaction date exchange rate

Privacy & Security

Your financial data security is our top priority:

• Browser-side processing — CSV files are parsed locally in your browser before any data reaches our servers
• No bank credentials — Freenance never asks for your mBank login, password, or app PIN
• Encrypted storage — all imported data is encrypted at rest and in transit
• No third-party sharing — your transaction data is never sold or shared with advertisers
• Data export/deletion — you can export or permanently delete all your data at any time
• GDPR compliant — full compliance with European data protection regulation

mBank Features That Work Great with Freenance

mBank savings goals

mBank lets you create savings goals (cele oszczędnościowe). When you transfer money to a goal, Freenance detects these as savings transfers — not expenses — giving you accurate spending vs. saving data.

Multi-currency accounts

If you have mBank's multi-currency account (konto walutowe), Freenance imports all currencies and converts to your base currency for unified tracking. This is especially useful if you earn in EUR/USD or make international purchases.

Credit card transactions

mBank credit card transactions can be exported separately. Import them into Freenance alongside your debit account for complete spending visibility. Freenance matches credit card payments from your main account to avoid double-counting.

eMakler integration

For mBank customers using eMakler (brokerage), you can track investment transactions alongside everyday expenses. See your complete financial picture — spending, saving, and investing — in one place.

Other Banks Supported by Freenance

mBank is just one of many banks supported by Freenance. You can import transactions from:

• ING Bank Śląski — CSV and MT940 import
• PKO BP (iPKO) — CSV import
• Revolut — automatic synchronization
• Millennium Bank — CSV import
• Santander Bank Polska — CSV import
• Pekao SA — CSV import

Aggregate all your accounts in one place for a true picture of your finances.

Track Your Financial Independence with Freenance

Importing your mBank transactions is just the first step. Freenance transforms raw transaction data into actionable financial insights:

• Monthly spending reports — where does your money actually go?
• Savings rate tracking — are you saving enough to reach your goals?
• Net worth dashboard — all assets and liabilities in one view
• Financial Freedom Runway — how many months could you survive without income?
• Goal tracking — set targets for emergency fund, investments, debt payoff

The average Freenance user discovers 10–15% of "invisible expenses" (forgotten subscriptions, creeping lifestyle inflation) within the first month of tracking.

👉 Start tracking your mBank finances for free — freenance.io

FAQ

How often should I import transactions from mBank?

We recommend importing once per month, ideally at the beginning of each month for the previous month's transactions. Freenance automatically detects duplicates, so there's no risk of double-importing. For the initial setup, import 3–6 months of history to establish baseline spending patterns.

Will Freenance work with mBank Business accounts?

Yes. mBank business accounts export in MT940 format, which Freenance fully supports. Business and personal transactions can be tracked in separate profiles within Freenance.

Can I import mBank transactions on my phone?

Yes. Export CSV from the mBank mobile app, then open Freenance in your mobile browser and upload the file. The experience is optimized for mobile devices.

What if some transactions are categorized incorrectly?

You can manually recategorize any transaction with one click. Freenance's AI learns from your corrections — if you recategorize "ŻABKA" from "Groceries" to "Snacks," future Żabka transactions will use your preferred category. Over time, accuracy approaches 98%+.

Is my mBank data safe with Freenance?

Absolutely. Freenance never accesses your mBank account directly — we only process the CSV file you manually export and upload. Your data is encrypted, never shared with third parties, and you can delete it permanently at any time. We're fully GDPR compliant.