Import your bank statement, without handing over a password.

What an OFX file is

OFX (Open Financial Exchange) is the standard format banks and card issuers use to hand over a statement as a file. It is structured text in which each transaction carries a date, an amount, a name and a memo, plus an identifier for the account or card. Accounting software has read OFX for decades, and so do most personal-finance apps.

Most banks export OFX or CSV from the statement screen in their app or online banking — in Brazil, Nubank, Itaú, Bradesco, Banco do Brasil, Inter, Santander and Caixa all offer it, usually behind an "export" or "download statement" button with a choice of period and format. The exact path changes from app to app and over time, but the logic is always the same: pick the period, pick OFX (or CSV if OFX isn't offered) and save the file to your phone or computer.

The advantage of OFX over PDF is simple: a PDF is a picture of the statement; OFX is the statement as data. That is what lets MyMoney turn every line into a real transaction, with the right date, amount and account.

How to import in three steps

Import is part of the Plus plan and above. Open Import/Export in the dashboard header (or the menu, on mobile) and follow the three steps. The full walkthrough, with sample files to try, is in Import and export.

• 1. Export from the bank. In the app or online banking, go to the statement, pick the period and download it as OFX. If the bank only offers CSV or XLSX, that works too.
• 2. Drop the file in MyMoney. On the Import tab, drag in the `.ofx`, `.csv` or `.xlsx`. The app reads it and opens a review step: it shows how many rows will come in, flags errors line by line, asks for a date or amount where one is missing, and lists the recurring subscriptions it detected.
• 3. Confirm and review categories. Accounts and cards named in the file that don't exist yet are created on the spot. OFX carries no category, so after the import you adjust categories in the transaction list and the spending charts start reflecting the history.

OFX, CSV or XLSX: which format to choose

Prefer OFX whenever the bank offers it. It is the most predictable format: the sign of the amount decides the type (negative becomes an expense, positive an income), the statement identifier becomes the account or card name, and the file doesn't depend on how the bank decided to name its columns that month.

CSV and XLSX come in when the bank only exports a spreadsheet, or when you already keep your own history in one and want to bring it all in at once. Those formats give you more columns (category, status, instalments, recurrence), which helps when migrating from another app or from a budget spreadsheet.

Card statements work too: in a card OFX, the identifier becomes the credit card's name and the transactions feed its statements, with closing and due dates tracked in Card bills.

After the import: what changes in your balance

One important rule: imported history is not reapplied to account balances. The balance you entered when creating the account already reflects the past, so bringing in six months of statements never counts anything twice. What the import does is fill in the history: spending by category, income by month, recurring subscriptions and the month-over-month comparison.

From there the app answers what the statement alone can't: how groceries this month compare with last, which subscriptions have piled up, how much was left. And since export in CSV, XLSX or OFX is available at any time, the history you brought in stays yours — re-importable elsewhere if you ever decide to leave.