Vault connects to Monobank directly, through Monobank's own API. You approve access in the Monobank app on your phone, choose which cards and accounts to add, and Vault keeps them up to date. For how bank connections work in general, see Connecting a bank account.

You approve access in the Monobank app, never in Vault. Vault doesn't see or store your Monobank login or card details. In the account list Vault shows only the last four digits of each card.

Access is read-only. Vault can see your accounts, balances and transactions. It can't make payments or move money.

One Monobank client is one connection. All your Monobank cards and accounts sit under one approval, and together they use one bank-connection slot in your plan. Adding more Monobank cards later doesn't use another slot.

Bank connections are available on paid plans. New workspaces get a 14-day Pro trial with no card required, so you can try them straight away.

You'll also need:

Keep the Vault window open while you approve. Vault checks for your approval automatically. If you take longer than about 10 minutes, it shows Still waiting for confirmation. The link is still valid, so approve in the app and click Check again.

What you may see in the account list:

The new accounts appear on your dashboard straight away, and the card shows Importing transactions while history loads.

History loads in steps, so the first import takes a while. Monobank lets Vault read about one month of history per request, and only a limited number of requests per minute. A few months of history usually takes a few minutes; a year or two for several cards can take an hour or more. You can keep working in Vault in the meantime, and transactions appear as they arrive.

New transactions usually appear within minutes. Monobank notifies Vault when something changes on your account, and Vault then fetches the new transactions. In addition, Vault re-checks every account at least every 6 hours, in case a notification goes missing.

Categories aren't imported from Monobank, so you set them yourself. Your categories, names and notes are never overwritten by later updates.

Card payments that Monobank is still holding are imported as Pending. They're shown tinted and are counted in your totals. When the payment settles, the same transaction updates in place, with no duplicate; the final amount may differ slightly. If a hold is cancelled, it disappears. These changes can take up to 6 hours to show.

Vault shows the balance Monobank reports for each account and refreshes it with every update. If the card shows — instead of a balance, Vault doesn't have a current balance yet. Transactions are still imported.

Monobank access doesn't expire on its own. It stops only if it's revoked: for example, if you remove Vault's access in Monobank, or approve Vault again from another workspace (see below).

When access stops, the card shows a red dot and Reconnect needed. Your history stays in Vault. To restore the connection:

There's nothing to choose: your existing accounts come back with their history, categories and notes, and transactions you missed while access was down arrive shortly. You'll see Reconnected.

Reconnect appears only when it's needed. Each approval in Monobank replaces the previous one, so reconnecting a healthy connection and then abandoning the approval would break it.

Monobank allows only one active approval per client. If you connect the same Monobank in a second workspace, the connection in the first workspace stops receiving data and shows Reconnect needed. Vault warns you about this before you approve.

So keep each Monobank client connected in one workspace at a time. Reconnecting in the first workspace would, in turn, stop the second.

All of these are in the account card's menu.

Need a free slot without losing anything? Use Disconnect connection. It's fully reversible.

Disconnecting or deleting in Vault stops Vault's side only. Monobank gives services no way to withdraw access themselves, so Vault stays listed among the services with access to your Monobank until you remove it.

To remove it, sign in at api.monobank.ua and open the Agent access tokens page. It lists every service with access to your Monobank; delete the Vault entry. If you do this while your accounts are still connected, they'll show Reconnect needed.

In every case your history stays in Vault.

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