Transfers and fees
Move money between your own accounts without it counting as spending — with the bank fee recorded separately.
A transfer moves money between two of your accounts — from a card to savings, from a bank account to cash. It changes both balances but is neither income nor spending, so it never shows up in spending reports.
Record a transfer
- Press N and choose Transfer.
- Pick From account and To account.
- Enter the amount and press Enter.
A transfer needs two different accounts. If the money changes currency — dollars to euros, even on the same account — record an exchange instead.
Bank fees
If the transfer cost you a fee, fill in Fee and pick a Fee category (for example, “Bank fees”). The fee is recorded as its own expense, linked to the transfer:
- it appears in spending reports under the category you chose;
- voiding the transfer voids the fee with it;
- to change the fee later, edit it in the journal on its own.