Have you moved money from one physical (you know, real-world) account to another and need to reflect that in YNAB? No problem. How your transfer is recorded depends on how those real-world accounts are set up in YNAB.

Recording a transfer

If you've made a transfer between real-world accounts and both of those accounts are set up in YNAB, you’ll be making a transfer in the app.

  1. Tap Accounts and then tap on the account that the money is leaving.
  2. Click the add a transaction button (the + icon at the bottom of the screen).
  3. In the Payee field, transfer options are automatically listed at the top of the drop-down menu. Select the one your money is moving to.
  4. If the destination account is another budget account, there's no category needed. (You’re just moving money from one place to another.) If the destination account is a tracking account, you’ll need to categorize this transaction.
  5. Enter the outflow amount.

That’s it! The transfer will automatically show up in both accounts.

What if the transaction imported already?

If a transaction imported from the bank, and it should be a transfer, you can tap on that transaction to edit it. Change the payee to one of those transfer payees, and you'll be all set.

If your transfer is a credit card payment, then your Credit Card Payment category will be updated when you enter the transfer. Check out this article on Credit Card Payments for more on that!

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