How to Sync Banco Inter to Google Sheets Automatically
Banco Inter is Brazil's leading fee-free digital bank, with over 30 million customers who do everything through the app: Pix transfers, bill payments, credit card management, investments through Inter Invest, and shopping with cashback rewards. But if you want to analyse your Inter spending in a Google Sheets spreadsheet, you quickly hit a wall. The Inter app is built for banking, not for data export. Getting structured transaction data out of it and into a spreadsheet used to mean manual copying or clunky workarounds. This guide shows you a better way.
The Data Export Gap in App-First Banks
Traditional banks like Bradesco and Itau built internet banking portals decades ago, complete with CSV and OFX export features (however imperfect those exports might be). Digital banks like Inter took a different path: they focused everything on the mobile app experience.
For most customers, this is fine. You do not need to export data to pay bills or send Pix. But for the subset of users who want to track their finances in a spreadsheet, an app-only bank creates friction. You can view your statement on screen, but turning that into structured data in Google Sheets is not straightforward.
Open Finance Brasil provides the solution. It is a Central Bank mandate that requires all major banks, including Inter, to expose standardised APIs for customer-consented data sharing. Manio, as an authorised Open Finance participant, reads from this API and writes directly to your Google Sheets. Want to understand how Open Finance protects your data? Read our guide on Open Finance security.
How Manio Connects Inter to Google Sheets
Manio acts as a bridge: it reads your Inter transaction data through the official Open Finance API and writes it to your Google Sheets spreadsheet via the Manio Google Sheets integration. The data arrives clean, structured, and formatted consistently. No manual copying, no file conversions, no encoding headaches.
Step-by-Step Setup
Step 1: Prepare Your Spreadsheet
Create a new spreadsheet in Google Sheets. Add headers in the first row: Date, Description, Amount, Type, Account, Transaction ID. You can also use Manio's template for a quicker start. Later, add your own columns like Category, Notes, and Tags for personal organisation.
Step 2: Connect Inter via Open Finance
In the Manio dashboard, go to "Bank Connections" and select Banco Inter. You will be redirected to Inter's official Open Finance consent screen. Log in with your normal Inter credentials on Inter's own servers. Manio never sees your password. Choose which accounts to share: checking account, credit card, or both.
The consent is valid for up to 12 months and can be revoked at any time from the Inter app.
Step 3: Add Google Sheets as a Destination
Under "Destinations", select Google Sheets. Authorise Manio to access your Google account via OAuth and select the spreadsheet you created.
Step 4: Map Accounts
Link each Inter account to a sheet tab. You can put everything in a single tab (with the Account column differentiating sources) or create separate tabs for checking and credit card transactions.
Step 5: Initial Sync
Trigger the first sync from the Manio dashboard. Up to 90 days of transaction history will be imported at once. After that, new transactions are added automatically on a regular schedule.
What Appears in Your Spreadsheet
Each synced transaction creates a new row:
- Date: consistent format across all account types
- Description: merchant or counterparty name, cleaned for readability
- Amount: in BRL, positive for inflows (including cashback), negative for outflows
- Type: Pix sent, Pix received, debit purchase, credit card instalment, bill payment, TED
- Account: Inter checking or Inter credit card
- Transaction ID: unique identifier to prevent duplicates
Analysing Inter Cashback in Your Spreadsheet
One of Inter's distinctive features is its cashback programme. Purchases through Inter Shop, card spending at partner merchants, and certain bill payments earn cashback that gets credited to your checking account.
In your spreadsheet, cashback credits appear as positive transactions. You can filter or tag them to build analyses that are impossible within the Inter app:
- Total cashback earned per month
- Cumulative cashback over the year
- Effective cashback percentage relative to total spending
The Inter app shows individual transactions but cannot aggregate cashback data across time periods. Your spreadsheet gives you the macro view that the app cannot.
Spreadsheet Analysis Ideas
Spending by Category
Add a "Category" column and classify each transaction. Use XLOOKUP or VLOOKUP to automate this: if the description contains "UBER", set category to "Transport"; if it contains "MERCADO", set it to "Groceries". Over time, most transactions categorise themselves automatically.
Credit Card vs. Debit Spending
Filter transactions by the Account column (checking vs. credit card) and compare monthly totals. Many people discover they spend significantly more when using credit. The psychological effect of deferred payment is well documented.
Recurring Expenses
Use a pivot table grouped by Description to find expenses that appear every month: streaming subscriptions, gym memberships, insurance, phone plans. This is an excellent way to identify subscriptions you forgot about.
Balance Trend
Create a running total column that accumulates amounts over time. Plot it as a line chart to visualise your balance trajectory month by month. A consistently declining trend is a clear signal to revisit your spending habits.
Consolidating Multiple Banks
If you bank with Inter and other institutions, you can connect them all to Manio and send transactions to the same spreadsheet. The Account column identifies the source. This gives you a consolidated financial view across all your accounts, something no single banking app can provide.
See also how to sync Nubank, Itau, and Bradesco to Google Sheets. For more on multi-bank setups, see how to sync Brazilian bank transactions to Google Sheets. For advanced export strategies, check out the best way to export bank data to Google Sheets.
If you also use YNAB for budgeting, see how to sync Inter to YNAB.
Google Sheets vs. Finance Apps
Apps like Organizze, Mobills, and GuiaBolso come with built-in bank connections and are easier to use out of the box. They are solid choices for people who want a ready-made solution. But Google Sheets wins when you want complete control: custom formulas, tailored charts, sharing with a partner or accountant, integration with Google Data Studio (Looker Studio), and total flexibility in how you organise your data.
Since Inter is free and Google Sheets is free, combining them with Manio gives you a robust financial tracking setup. Manio's Trial plan includes 1 bank connection with daily sync and 50 syncs. If you want unlimited syncs, multiple banks, or sync every 8 hours, the Pro plan is R$20/month.
Frequently Asked Questions
Can I export data directly from the Inter app?
The Inter app has limited export functionality. For structured data in a spreadsheet, the Open Finance route via Manio is the most practical and reliable option. Data arrives clean and formatted, no file conversion needed.
Does Inter cashback show up in the spreadsheet?
Yes. Cashback credits appear as positive transactions in the checking account data. You can filter and analyse them separately in your spreadsheet.
Is the spreadsheet updated in real time?
Not in real time, but on a regular schedule. On the Trial plan, sync runs daily (50 syncs included). On the Pro plan (R$20/month), every 8 hours with unlimited syncs. In practice, when you open your spreadsheet in the morning, the previous day's transactions are already there.
How much does Manio cost?
Manio's Trial plan includes 1 bank connection, daily sync, and 50 syncs. The Pro plan costs R$20/month, with unlimited syncs, up to 10 banks, sync every 8 hours, full history, and AI categorization. Combined with Inter (free) and Google Sheets (free), it is a complete financial tracking solution you can start with the Trial.
Can I use Manio with Google Sheets and YNAB at the same time?
Yes. Manio supports multiple destinations simultaneously. You can send Inter transactions to Google Sheets for detailed analysis and to YNAB for zero-based budgeting, all from the same bank connection.