How a joint-account transaction appears
When an account is shared as joint, new transactions from that account appear in both partners’ spaces. Both partners see the transaction because both partners need the joint account balance and history to stay correct.
The transaction is family by default.
Categories and merchants are applied per partner
finerd analyzes the transaction separately for each partner. It can use your previous similar transactions, your category list, and merchants to choose the best category and merchant name in your space.
Your partner gets their own version using their own history, categories, and merchants.
Example The same YouTube transaction can appear as Entertainment for you and Subscriptions for your partner if that matches how each of you usually tracks similar spending.
How category changes work
Nothing changes for your partner. Your category change updates only your reports and your view of the transaction.
Your categories are not synced with your partner’s categories. Changing Groceries to Beauty, or Beauty to Groceries, does not rename your partner’s category or rewrite their reports.
How amount and currency changes work
Only the account holder can change the amount or currency.
If the account holder changes the amount or currency, finerd reprocesses the transaction as a new transaction. finerd marks the transaction for review so the receiver can spot the change.
How split transactions work
Splits change the structure of the shared transaction. Only the account holder can split the original joint-account transaction into multiple allocations.
The receiving partner sees the updated split structure. They cannot split transactions where the joint account is selected; they can only change the money destination for all allocations.
Further reading
