If Monarch Money isn't displaying all your transactions, it's often due to syncing delays or discrepancies with your financial institution's data. Financial aggregators, like those Monarch uses, rely on connecting to your bank or credit card accounts, and sometimes transactions take a bit longer to process and appear within the application.
Common Reasons for Missing Transactions
Transactions might not appear immediately in Monarch Money for a few key reasons:
1. Processing Time and Syncing Delays
After you make a purchase or a transaction clears your bank, it takes time for that information to be shared with Monarch. This delay isn't unique to Monarch and is a common aspect of how financial aggregation services work.
- Solution: It's recommended to wait at least 24 hours for transactions to sync from your financial institution. Many transactions will appear within this timeframe.
2. Connection Refresh Needed
Sometimes, the connection between Monarch and your financial institution needs a nudge to pull the latest data. This can happen if a sync was interrupted or simply didn't complete successfully for a specific set of transactions.
- Solution: If transactions don't show up within 24 hours, you can force a refresh within Monarch to attempt a new sync. This often resolves minor syncing glitches.
3. Discrepancy with Bank Records
In some cases, the transactions might not be appearing because they haven't fully posted on your bank's end yet, or there's an issue with how your bank is presenting the data.
- Solution: If transactions still don't show up after waiting 24 hours and forcing a refresh, check that the transactions are showing on your bank's website or mobile app first. If they're not there, they won't be available for Monarch to import. If they are there, but not in Monarch, it indicates a deeper syncing issue that might require further investigation or contacting Monarch support.
Troubleshooting Missing Transactions
Here's a quick guide to troubleshooting steps for missing transactions:
| Issue | Recommended Action |
|---|---|
| Transactions recently made | Wait at least 24 hours for your financial institution to process and send the data to Monarch. |
| Transactions not appearing after 24 hrs | Force a refresh of the account within Monarch. This prompts a new sync attempt with your bank. |
| Persistent missing transactions | Verify the transactions are visible on your bank's official website or mobile app. If not, the issue is with your bank. |
By following these steps, you can often resolve issues with missing transactions in Monarch Money and ensure your financial data is up-to-date.
