Two kinds of transactions behave a little differently from the rest: pending ones, which your bank is still processing, and transfers between your own accounts.
Pending transactions
A pending transaction is one your bank has seen but not finished processing, like a card purchase you made today. It's marked Pending in the list and in its details. Pending transactions only come from connected banks.
- You can change its category, add a note or tags, and so on, like any other transaction.
- When it posts, the same transaction updates. Your category, notes and other changes stay, and the date and amount change to your bank's final figures, unless you changed them yourself.
- A pending charge your bank cancels, like a hold that's released, may disappear from your list.
- A pending charge can't be marked recurring until it posts.
To see only pending transactions, open the filters and turn on Pending under Show only. For how quickly new transactions arrive, see how often transactions update.
Transfers between your own accounts
When you move money between your own accounts, it shows up twice: once leaving one account and once arriving in the other. Paying your credit card from chequing is the most common example. Counted as is, that payment would look like spending on top of the purchases already on the card.
So we pair the two sides for you and ignore both. Two transactions are paired when they're:
- In two different accounts of yours, in the same currency
- For exactly the same amount, one leaving and one arriving
- Within 5 days of each other
- Looking like a transfer or payment on at least one side
Paired transactions stay in your list, greyed out, and aren't counted in your totals, budgets or charts. Open one and you'll see Transfer under Details: “Paired with a move between your own accounts”. If one side arrives later, for example when you connect the other bank, they're paired then.
If a pair is wrong
If two transactions were paired that aren't really a transfer, open each one, choose Ignore and pick Don't ignore. They'll both count again. See ignore a transaction.
If only one side is here
If the other account isn't in Finly Money, there's nothing to pair with. A transfer like that usually stays uncategorized, so it's left out of your Overview and reports, while money going out still counts in your budget. Connect or upload the other account so the two sides can be paired, or give the transaction a category. See why uncategorized transactions aren't counted and uncategorized money in budgets.