Pair an own-account transfer

Use this guide when you move money between two of your own accounts, for example from your main account to savings. Both sides show up as payments: one out, one in. Pairing them tells the app neither needs a receipt, and keeps the reason on record.

Prerequisites

Both accounts set up in the app, and statements imported for both, so that each side of the transfer is in the app. See Import a bank CSV.
The two sides are in different accounts, with the same amount and currency (one out, one in).
Neither side is matched to a receipt or invoice, and neither is marked Not a purchase. If one is, select Unmatch or Needs a receipt under the payment’s More on Bank, under All, first.

Pair the two sides

Open the payment out
Open Bank for the month the money left. The outgoing payment shows Missing and is in To do. Open its More. The pairing form shows only when a payment in with the same amount and currency exists in another of your accounts.
Choose where it arrived
In Arrived in, choose the incoming payment. Each entry shows the account and the date; the dates do not have to be the same day.
Add a note and confirm
Fill in Note, for example “Savings top-up”. It is required. Select Own transfer.

If the app refuses with “One of these payments changed. Look at both payments again before you link them.”, one of the conditions above is not met: check the amounts, currencies, accounts, and that neither side is matched or already paired.

Check that it worked

You land on Bank under All, where the two sides show “Transfer to Savings” and “Transfer from Main account” (with your account names).
The outgoing side no longer counts as missing a receipt.

Pairing never deletes or merges either payment. Both stay visible in their own accounts.

Undo a pair

On Bank under All, open More on either side and select Undo transfer. Both sides need a receipt again, and automatic matching runs. While a payment is paired, its other controls (such as Not a purchase) are not available.

When pairing does not fit

A transfer in two currencies, a transfer with a fee taken off one side, or only one side imported cannot be paired. Mark the outgoing side Not a purchase on Bank instead. See Match payments and receipts.

How transfers fit into matching: How matching works.