Why manual expense tracking always fails
Every budgeting method that relies on typing dies the same death: you forget the coffee, postpone the grocery run, and two weeks later the picture is so incomplete it's useless. The fix is not discipline — it's removing manual input from the loop entirely. If most of your spending goes through a bank card, your bank already has the perfect expense log. You just need to get it out automatically.
What the Monobank API gives you
Monobank exposes a personal API with webhooks: you grant access with a token, and the bank pushes every card transaction to your tracker the moment it happens. No statement downloads, no CSV exports, no end-of-month reconciliation. Each event contains the amount, currency, merchant description and category code — everything needed to record a complete expense.
Setting it up in FinMan
- Get your personal token at api.monobank.ua — one tap in the Monobank app to confirm.
- Add the token in FinMan settings. FinMan registers the webhook automatically.
- That's it. From this moment every card payment lands in your expense list in real time, and AI assigns it to a category.
Duplicates are handled for you: if the bank re-sends an event or you also import a statement later, stable transaction IDs make sure nothing is counted twice.
What about other banks?
Not every bank offers webhooks — and that's fine. For any other bank, FinMan imports statements: PrivatBank, PUMB, Raiffeisen, Revolut, Wise, Erste, N26 and more. And if your bank isn't on the list, the AI import reads the structure of any statement file it has never seen before — CSV, Excel or PDF. Seeall scenariosfor how this fits a daily workflow.
The result
After a month of automatic tracking you get something manual methods almost never deliver: a complete picture. Not "the expenses I remembered to enter" — all of them. That's when analytics start answering real questions: where the money actually goes, which categories grow, and what changed compared to last month.