Import a file

The Import a file screen is the fast way to get hundreds of transactions into Cuéntamo at once: instead of typing every expense, you upload the file your bank (or broker) exports and Cuéntamo reads it, interprets it, reconciles it with the forecasts you already had and creates the transactions for you. The whole process is reviewable: nothing is saved until you confirm the final step.

It's a single entry point. You upload the file, click continue, and Cuéntamo detects on its own whether it's a bank statement or a broker file, then routes you to the right wizard. You don't have to choose “bank” or “broker” up front: it decides from the file's contents.

The upload itself changes nothing in your data: it only analyses the file and decides where to take you. The real changes happen at the end of each wizard, when you click “Apply”.

Privacy of your statements

The file is processed to extract the transactions and isn't kept as a file once the import is finished. You'll see a notice about this both on the single entry point and on the first step of the bank wizard. If an import fails, a button appears to send us the file voluntarily so we can look into why it wasn't read correctly (for example, a bank format we don't recognise yet); it's only sent if you click it.

Accepted formats

Cuéntamo accepts the usual formats that banks and spreadsheets export:

• CSV and TXT (values separated by commas, semicolons, tabs…).
• XLS and XLSX (Excel).
• ODS (LibreOffice / OpenDocument).

Cuéntamo recognises the file by its contents, not just its extension. That matters because several banks download an “.xls” that is really HTML or another format in disguise: Cuéntamo detects it anyway, so you don't need to re-save it in Excel before uploading.

The single entry point: how it detects bank vs broker

When you open Import a file you see a single form: a file picker and a “Continue” button. Pick the file and click continue. Cuéntamo analyses it and decides:

• Bank statement → it takes you to the bank import wizard (the four steps below), with the file already loaded.
• Broker file (DeGiro, Trade Republic…) → it takes you to the investments importer, also with the file loaded.
• Unrecognised format → it shows you the reason on the same screen so you can fix the file or try another one.

Because the file travels already loaded to the destination wizard, you don't have to upload it again: you go straight to choosing an account and reviewing.

Bank wizard: the four steps

The bank import is a four-step wizard with a progress bar at the top:

• 1. File and account: you choose which account the transactions go to and (if needed) upload the file.
• 2. Preview: Cuéntamo shows you how it interpreted the file before importing anything.
• 3. Review: you go over the transactions, in bulk or one by one.
• 4. Summary: you see the totals and click “Apply” to create the transactions.

You can go back at any time with the “Back” button without losing your progress.

Step 1 — File and destination account

First you choose the destination account: the Cuéntamo account where the statement's transactions will land. The picker shows each account's colour so you don't pick the wrong one. Only active accounts appear (archived ones don't).

Below there's a special option, “Multiple accounts” (multi-account): use it when the file includes transactions from more than one account, with a column stating which one each row belongs to. In that case, later on (step 2) you'll tell Cuéntamo which column that is and which Cuéntamo account each value maps to.

Then the file. If you arrived from the single entry point, it's already loaded and you only need to pick an account. Click “Detect format” and Cuéntamo analyses the file to guess the delimiter, encoding, date format and which column is what. If something goes wrong (corrupt file, unrecognised format), you'll see the error right here, with the option to send it to us.

Step 2 — Preview: what will be imported

This step is “preview first”: before showing you nuts and bolts, Cuéntamo shows you a table with the first transactions already interpreted (date · concept · amount), exactly as they'd end up. If that table looks right, you don't need to touch anything else: click continue.

If something's off (odd dates, empty amounts, crossed columns), open “Advanced import settings”. This block unfolds on its own when detection needs your help: for example, if the date format is ambiguous, if a required column is missing, or if you're in multi-account mode.

The detected format and the two editable adjustments

Inside the advanced settings, Cuéntamo shows in read-only chips what it detected about the file: the delimiter, the encoding, the decimal separator and the date format (if it wasn't ambiguous). Next to them, a confidence bar tells you how sure Cuéntamo is of having got it right (green high, amber medium, red low).

Out of all that, there are only two adjustments you touch:

• Header rows: how many rows at the top to ignore (titles, logos, “Account transactions…”, the column-names row…). When you change it, the preview recalculates instantly so you see the effect.
• Ambiguous date format: when a date like “01/02/2025” could be 1 February or 2 January, Cuéntamo won't guess and asks you to pick the correct format from a list (dd/mm/yyyy, mm/dd/yyyy, yyyy-mm-dd, with or without time…). Until you pick one, it won't let you continue and you'll see an amber warning.

Column mapping on the table itself

Mapping (saying which column is the date, which the concept, which the amount…) is done on the data table itself, not in a separate list. Each column of the file carries a dropdown in its header with the role it plays. Cuéntamo fills those roles with what it detected; you only correct whatever doesn't fit.

The roles you can assign to a column are:

• Date, Concept and Amount: the three essential ones. They're highlighted in colour and, if any is missing, Cuéntamo warns you and won't let you continue.
• Debit and Credit: for statements that split expenses and income into two separate columns instead of a single signed amount.
• Balance, Reference, Currency, State, Fee and Category: optional columns that enrich the transaction (the reference helps avoid duplicates, the category pre-classifies, and so on).

Each field points to a single column: if you assign a role to a column that another one already held, the previous one is freed. Under each dropdown you see the column's original name in the file (or “Column 1, 2, 3…” if it had no header), and columns whose format is ambiguous are flagged in amber. A footer tells you which sample rows you're seeing out of the total.

Multi-account mode

If you chose “Multiple accounts” in step 1, an extra block appears in step 2 to split the transactions among your accounts:

• First you pick the account column: the column in the file that identifies which account each row belongs to (an IBAN, an alias, a number…).
• Cuéntamo reads the distinct values of that column and asks you, for each one, which Cuéntamo account it corresponds to. The picker shows each account's colour.

As long as any value is unassigned, you'll see a warning and won't be able to continue. That way a single file with transactions from your checking and your savings account ends up correctly split between the two.

Saving a profile for your bank

At the end of step 2 you can tick “Save this profile” and give it a name (for example “BBVA” or “Santander salary”). A profile remembers this bank's whole configuration: delimiter, date format, which column is what, the multi-account mapping… Next time you upload a statement from the same bank, Cuéntamo recognises it and applies the profile automatically, sparing you the whole mapping. It's the recommended thing for the banks you use every month.

Step 3 — Reviewing the transactions

Cuéntamo has read the file and cross-checked each transaction against what you already had. At the very top there's a big button, “Import all” , with the number of transactions that will be created: if you trust the interpretation, click it and jump straight to the summary. Below, “Review one by one” unfolds the detailed review, with filters, bulk actions and the sections described below.

Each transaction falls into one of these categories, each with its own colour:

• Automatically validated (green): Cuéntamo matched them to a forecast you already had or to a saved matching rule. They come collapsed; when you expand, you can discard any that shouldn't apply.
• Need review (amber): there's a likely but not certain match. You choose between accept and create a rule (so next time it matches on its own), import without a rule or skip. If there are several candidates, a dropdown lets you pick which one.
• New / unmatched (blue): they don't match anything prior. You choose import or skip. When importing you can edit the concept, assign a category (with an automatic suggestion you accept in one click) and mark it as a transfer to another account.
• Already existing (grey): Cuéntamo detects you already had them (by their bank reference) and skips them so they aren't duplicated.

Matching forecasts and confirming transactions

Here's one of the perks of importing: if you had a recurring template that generated a forecast (say your salary or your mortgage), when the statement brings that real income or payment, Cuéntamo matches the two and confirms the forecast as a real transaction, instead of creating a duplicate. Importing is, alongside manual confirmation, one of the only two ways a forecast becomes real.

To avoid entering the same thing twice, Cuéntamo uses each transaction's bank reference: if that reference is already in your data, the transaction is marked “already existing” and skipped. So you can re-import an overlapping statement without fear of duplicating.

Tools in the detailed review

When you open the one-by-one review, you have several aids so you don't have to go through hundreds of lines by hand:

• Filters : search by concept and narrow by date range.
• Bulk actions (when there are more than five unmatched): you select several rows (or all) and apply in one go a decision (import / skip), a category or a shared concept.
• Group by concept: it bundles repeated transactions (all the “Bizum”, all the “Card purchase…”) into a group with its total and its date range, so you can decide and classify them all at once. You can expand the individual transactions of each group.
• Category suggestion : Cuéntamo proposes a category for each concept and shows its confidence level; you accept it in one click.

If your statement carries several currencies, tabs per currency appear along with a block to say which account each one goes to. And if the file had rows that couldn't be read or transactions excluded by their state (e.g. pending operations), you'll see a notice with the details.

Step 4 — Summary and apply

The final step shows a tally: how many transactions were validated automatically, how many you accepted, how many are left as a forecast and how many are ignored. Check that it adds up and click “Apply changes”. That's when Cuéntamo actually creates the transactions, updates the balances and confirms the matched forecasts.

The whole import counts as a single undoable action: if something doesn't convince you, one “undo” reverts the entire import from the undo/redo bar.

When it's done you'll see a success message with two shortcuts: “Detect transfers” (very handy if the statement included movements between your own accounts, to turn them into transfers instead of a loose income and expense) and “View transactions” , which takes you to the list already filtered by the account and dates you just imported.

Importing from a broker (DeGiro, Trade Republic)

If the file is from a broker, the single entry point takes you to the investments importer, which works as a window with its own steps (select → preview → done). It automatically recognises the broker (DeGiro, Trade Republic or a generic format) and shows you a summary: how many operations, how many account movements and how many duplicates it found.

A single file (typically from Trade Republic) can mix two things, and Cuéntamo presents them in two separate tables:

• Investment operations: buys, sells, dividends… with their date, type, instrument, units, price and amount. The ones Cuéntamo believes are duplicates are flagged and you can opt to skip them. Each row has a checkbox to include or exclude it.
• Account movements: interest, deposits, cash transfers… Each one creates a real transaction in the destination account so the balance adds up. You can also exclude them one by one.

Broker importing is part of the investment features of Cuéntamo Más. You'll find the module's details in Investments.

Broker destination account and IBAN auto-detection

Like every import, it needs to know which account it goes to. If the broker file carries an IBAN or account number and one of your accounts has it noted in its external reference, Cuéntamo preselects it on its own and tells you; you can always change it by hand.

If you haven't created the account yet, no need to leave the importer: the picker includes “+ Create new account…” , a mini-form in the window itself asking for just the essentials (name, type, currency and, optionally, the external reference/IBAN). If you fill in the external reference, future imports from that broker will preselect this account automatically. The newly created account is available in the picker right away.

When you've got everything, click “Apply”: Cuéntamo creates the selected operations and cash movements, and confirms how many of each type were imported.