Transfers between your accounts

Moving money between accounts you already own, including paying a credit card bill.

Last updated 15 August 2026

A transfer moves money between two accounts you already own. Neither the family’s income nor its spending changes — only where the money sits.

Making a transfer

On mobileMoreAccounts

The Accounts page header has a Transfer button. On a narrow screen it shows as an icon only.

Choose the account the money leaves, the account it arrives in, and the amount. Add a date, and a note if it helps. Record transfer saves it.

The two accounts have to be different. Until they are, the button stays disabled.

A transfer never changes your net worth

Moving ₹10,000 from savings to your wallet leaves the family exactly as wealthy as before. That is why transfers are excluded from your income and expense totals — logging one as an expense will understate your savings for the month.

When the two accounts hold different currencies

Sending money between currencies asks for two figures rather than one: the amount that left, and the amount that arrived.

This is deliberate. What matters is what actually reached the other account, not what a market rate says should have arrived. A remittance charge and a poor rate both show up in the gap between the two numbers.

The implied rate is worked out and added to the note, so the record still reads sensibly a year later.

Paying a credit card bill

A card payment is a transfer, not an expense. Money moves from your bank to the card, and the family is no poorer for it. The spending already happened when the card was used.

Each credit card carries a Pay bill button. It opens the same transfer form with the card already chosen as the destination and the outstanding amount filled in. Change the amount if you are paying only part of it.

Do not log a card payment as an expense

The purchases on that card are already recorded. Logging the payment as well counts the same spending twice, and your month will look far worse than it was.

Finding a transfer again

Recent transfers sit at the foot of the Accounts page. View all opens the full history, where you can search by account or note and filter by either side of the transfer.

Transfers can be edited or deleted from there. One that moved money into an asset — buying gold, say — can be deleted but not edited.

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