Transfers between accounts

What they're for

A transfer is a movement between two of your own accounts. The money doesn't enter or leave your net worth: it just changes pockets. You move €500 from checking to savings, withdraw €100 from the ATM (which goes to your "Cash" account), pay off the credit card from the salary account. Cuéntamo treats these movements as a separate type so they don't appear as expenses or income in your analysis or forecast.

Typical cases

• Savings: on the 1st you move €200 from the salary account to savings.
• ATM: you withdraw €60 in cash. It's a transfer from checking to your "Cash" account.
• Credit card payment: the monthly charge where the current account "tops up" the card. It's a transfer (the credit card account type handles this automatically — you don't have to do it manually).
• Investment top-up: you move €300 to the broker.
• Loan and repayment between your own accounts or connected accounts.

Create a transfer from scratch

Three ways, depending on where you are:

• From Movements: tap "New movement" and choose the type "Transfer" (instead of Expense or Income). It asks for source account, target account, amount, date and concept. When you save, two linked movements are created.
• From the + button: in the quick access menu, tap "Other" and choose Transfer type. You can also set up a transfer-type quick access (e.g. "ATM withdrawal" with source = checking and target = cash).
• As a recurring item: if the transfer repeats (move €200 to savings every month, pay the card every 5th), create it as a transfer-type recurring item. The forecast will account for them like any other recurring item.

Convert an existing movement into a transfer

Typical case: you import the bank statement. "TRANSFER TO SAVINGS –€500" appears as an expense in your checking account. But it's not an expense, it's a transfer to savings. You convert it:

• Table view: hover over the movement and tap the arrows ⇄ icon. Choose the counterpart account and save.
• Card view: open the movement and tap the "Transfer" button at the top.
• In bulk: select multiple movements with checkboxes and tap "Transfer…" in the action bar. Cuéntamo converts them all to the account you choose. Useful after an import with many.

The original movement keeps its concept, date and amount. Only the type changes. And the opposite leg is automatically created in the other account. The two movements are linked: if you modify one, the other updates.

Detect transfers automatically after importing

If you've imported statements from multiple accounts at once, instead of converting them one by one, go to Settings → Tools → Detect transfers. Cuéntamo looks for pairs of movements with the same amount, opposite signs, close dates and different accounts, and offers to convert them into transfers with one click. Much faster when there are many.

Tips

• Transfers don't appear in expense/income analysis or in category budgets. That's what you want: they don't inflate your statistics with movements that aren't real expenses.
• If you pay off the credit card and set up the "Credit card" account type properly, you don't need to create the transfer manually: Cuéntamo handles it through the monthly charge.
• For ATM withdrawals, set up a transfer-type quick access (checking → cash). You'll log cash withdrawals in two taps.