Transfers between your accounts

Money moving from your current account to your savings did not get spent. Transfers exist so your reports know the difference.

What a transfer is

A transfer in Endute is a linked pair: one outflow leg in the source account, one inflow leg in the destination, joined so that editing or deleting one side keeps the other in step. Transfer legs carry no category and no payee, deliberately. They are not spending or income, so they stay out of your budgets and spending reports entirely, while still moving both account balances.

Recording one manually

In the Add Transaction dialog, choose the Transfer type and enter the amount. On an account's page, that account is the From account, so pick the To account. For money coming in instead, such as a card repayment from your current account while you are on the card's page, click Swap to make this account the To account, then pick where the money came from. The + button on any page lets you choose both accounts. Endute creates both legs. One nudge worth heeding: if the money goes to a loan account, the dialog suggests using Loan Repayment instead, so the interest gets tracked. It is right; the loan repayments guide explains why.

When transfers arrive from your banks

A transfer between two connected accounts shows up twice, once from each bank, and Endute works to reunite the halves:

During review, rows that look like transfer legs carry a Potential Pair badge with the counterpart already found; confirming creates the linked pair in one step.
Any row can be marked as a transfer manually during review, choosing the account on the other side.
When you have already confirmed one side and the second leg arrives later from the other bank, it attaches itself to the existing transfer automatically rather than asking you again.

One-sided transfers are normal

Money moving to somewhere Endute cannot see, an external person, an account you do not track, is just an expense or income from your ledger's point of view. Only movements between two of your own Endute accounts deserve the transfer treatment. If you find a lone transfer leg whose partner account you have since added, edit the counterpart from review or contact support and we will pair history for you.

Endute does the same when you mark a transaction as a transfer during review, change a transaction's type to Transfer, or add a transfer yourself: if the other account already holds its own transaction for that money, from its bank or a file you imported, Endute pairs the two instead of adding a second one, so the money is not counted twice there.

Editing and deleting

The pair behaves as one thing: change the amount or date on either leg and the transfer stays coherent (a side that came from the other account's own bank keeps its bank's date and amount), and deleting one leg deletes both, because half a transfer would silently corrupt an account balance. If a transfer should never have existed, delete it from either side; if it was real but miscategorised as spending, edit the row's type rather than deleting and re-adding.

When the other side of a transfer came from the other account's own bank connection, or from a file you imported there, it stays on that account: changing the transfer's other account is refused, because the bank has shown where the money went. If the pairing looks wrong, contact support and we will sort it out with you.

What next

Transfers between accounts in different currencies have their own wrinkles, covered in cross-currency transfers. And payments to loans, the transfer's frequently confused cousin, get the loan repayments guide.