> ## Documentation Index > Fetch the complete documentation index at: https://help.finerd.ai/llms.txt > Use this file to discover all available pages before exploring further. # Record a transfer or currency exchange > Record money moved between your own accounts in finerd: transfers, cash withdrawals and deposits, currency exchanges, fees, and fixing a wrong transfer. A transfer moves money between two of your own accounts, such as from your card to your savings. It isn't spending or income: one balance goes down, the other goes up by the same amount, and your total stays the same.

Move money between your accounts

finerd asks which account the money left, how much, which account it went to and how much arrived. Then it opens the transfer so you can check it. Nothing is recorded until you select **Save**. If both accounts use the same currency, finerd fills in the amount that arrived with the amount you sent. 1. On the **Dashboard** or the **Transactions** page, select **Add transaction**, then **Internal transfer or ATM**. 2. On **From which account?**, select the account the money left. 3. Enter the amount on **How much did you pay?** and select **Continue**. 4. On **To which account?**, select the account the money went to. 5. Check the amount on **How much received?** and select **Continue**. 6. Check the date, **From** and **To**. The date is **Today**; select it to pick another day. 7. Select **Save**. finerd confirms with **Transaction created on** and the date.
How much received? step with To: Savings and 200 in USD filled in, with a Continue button. New Internal transfer of $200.00 dated Today, from Travel card to Savings, with a Save button.
1. On **Dashboard** or **Transactions**, tap **+**, then **Internal transfer or ATM**. 2. On **Source transfer account**, tap the account the money left. Accounts connected to a bank aren't in this list. 3. On **Send amount**, enter the amount and tap **Continue**. 4. On **Destination transfer account**, tap the account the money went to. 5. On **Receive amount**, check the amount and tap **Continue**. 6. Check the date, **From** and **To**, and tap **Save**. 1. On **Dashboard** or **Transactions**, tap **+**, then **Internal transfer or ATM**. 2. On **From which account?**, tap the account the money left. To find it faster, type its name in the search field. 3. Enter the amount on **How much did you pay?** and tap **Continue**. 4. On **To which account?**, tap the account the money went to. 5. Check the amount on **How much received?** and tap **Continue**. 6. Check **From** and **To**. To change the date, tap **⋮** → **Change date**. 7. Tap **Save**.
iOS How much received? screen for Savings with 200 dollars filled in and a Continue button. iOS new Internal transfer of 200 dollars from Travel card to Savings, with Add note, Attach bill and Save.
The transfer appears in **Transactions** as **Internal transfer**. The first account's balance goes down and the second one's goes up by the amount. If you close the transfer before saving and choose **Discard**, nothing is recorded.

Withdraw or deposit cash

Taking money out of an ATM is a transfer from your bank account to your cash account. It isn't spending yet: record the expense when you spend the cash. Paying cash into your bank is a transfer the other way. To record it yourself, follow the steps in [Move money between your accounts](#transfer). For a withdrawal, choose your bank account first and your cash account second; for a deposit, the other way round. Cash accounts are under **Cash** in the list. If you don't have one yet, [add a cash account](/accounts/track-cash#add-a-cash-account). If the ATM charged a fee, enter the amount that left the card and the amount you got: see [When the amounts differ](#fees). If your bank is connected, the withdrawal arrives from the bank. Don't record it again: open that transaction and, if **To** shows a category, choose your cash account instead. For a deposit, change **From** the same way. 1. Open **Transactions** and select the withdrawal from your bank. 2. Select the category in **To** (for a deposit, in **From**). In the list that opens, find your cash account under **Transfer To/From**, or type its name in **Search**, and select it. 3. Select **Save**. Select money destination panel with Wallet typed in Search and the cash account Wallet under Transfer To/From. 1. Open **Transactions** and tap the withdrawal from your bank. 2. Tap the category in **To** (for a deposit, in **From**). Under **Transfer To/From**, tap your cash account. If it isn't there, tap **Show all**. 3. Tap **Save**. 1. Open **Transactions** and tap the withdrawal from your bank. 2. Tap the category in **To** (for a deposit, in **From**). In the list that opens, open **Transfer To/From**, or type the account's name in **Search**, and tap your cash account. 3. Tap **Save**. iOS Select money destination screen with Wallet typed in Search and the cash account Wallet under Transfer To/From. The bank's line stays as it was. The transaction becomes a transfer, and your cash account's balance changes by its amount.

Exchange currency

An exchange is a transfer in which the money leaves in one currency and arrives in another, for example 100 USD handed over at an exchange office and 86 EUR received. finerd records both amounts as they were, and each account's balance changes in its own currency. The money can stay in one account. An account can hold several currencies, so if you exchanged cash in your wallet, choose your cash account on both sides: it keeps a separate balance for each currency. When the account you exchange to holds another currency, the Android and iOS apps show what you'd get at finerd's current rate, for example **89,26 € at current rate**. Tap **Apply** to use it, or enter the amount you actually received. If your amount is far from finerd's rate, see [When the amounts differ](#fees). 1. On the **Dashboard** or the **Transactions** page, select **Add transaction**, then **Currency exchange**. 2. On **Source transfer account**, select the account you exchanged from. 3. On **How much are you exchanging?**, check the currency, enter the amount and select **Continue**. 4. On **Exchange to**, select the account that got the money. It can be the same account. 5. On **Enter the amount you received**, select the currency you got, enter the amount and select **Continue**. 6. Check **From** and **To**: each shows its own amount. Select **Save**.
Enter the amount you received step for Wallet with 86 in EUR and a Continue button. New Internal transfer from Wallet, $100.00, to Wallet, €86.00 shown as $96.35, with a Save button.
1. On **Dashboard** or **Transactions**, tap **+**, then **Asset exchange**. 2. On **Exchange from**, tap the account you exchanged from. Accounts connected to a bank aren't in this list. 3. On **How much are you exchanging?**, enter the amount and tap **Continue**. 4. On **Exchange to**, tap the account that got the money. 5. On **What amount are you receiving?**, enter the amount, or tap **Apply** next to the amount at the current rate. Tap **Continue**. 6. Check the exchange and tap **Save**. 1. On **Dashboard** or **Transactions**, tap **+**, then **Currency exchange**. 2. On **Source transfer account**, tap the account you exchanged from. 3. On **How much are you exchanging?**, enter the amount and tap **Continue**. 4. On **Exchange to**, tap the account that got the money. It can be the same account. 5. On **Enter the amount you received**, tap the currency you got and enter the amount, or tap **Apply** if finerd suggests one at the current rate. Tap **Continue**. 6. Check **From** and **To** and tap **Save**.
iOS Enter the amount you received screen for Wallet with 86 euros and a Continue button. iOS new Internal transfer from Wallet, 100 dollars, to Wallet, 86 euros shown as 96.35 dollars, with Save.
The exchange appears in **Transactions** as **Internal transfer**. In the account, each currency has its own balance: after this example the wallet holds 86 EUR more and 100 USD less. **Internal transfer or ATM** and **Currency exchange** record the same kind of transaction; the exchange only names its steps differently.

When the amounts differ

Sometimes less arrives than left: the ATM charged a fee, or the exchange office took a commission. finerd records the difference as a separate expense line in **To**, so it counts in your spending, and picks a category for it, such as Bank fees. Check that line before saving: if it shows **Uncategorized Expense** or **Choose category**, choose the category yourself. If more arrived than left, finerd adds the extra to **From** as income, such as Cashback & Rewards. **In one currency**, the Android and iOS apps add the fee line as soon as the amounts differ. On the web, a small difference shows as **… left unassigned** under **To**, and **Save** stops with **Transaction Inconsistent** until you add the line yourself. **In different currencies**, finerd compares the two amounts with its exchange rate. A small gap is saved as entered. If the gap is large, finerd asks whether the difference is a fee: * **Add fees** records the difference as a fee line in **To**. * **Keep as is** records only the two amounts. finerd then values what you received at exactly what you paid, and the difference doesn't count as spending. On the web, **Save** asks again with **Exchange rate difference**; select **Keep as is** to save. 1. If **Amounts in “From” and “To” don’t match our rates** appears, select **Add fees** or **Keep as is**. 2. If **… left unassigned** appears under **To**, select **Split** next to **To**, choose a category for the fee, then select its amount and enter the difference. See [Split a transaction](/transactions/split-transaction#split). 3. Check the category of the fee line and select **Save**.
Dialog Amounts in From and To don't match our rates with Add fees and Keep as is buttons. Internal transfer of $100.00 from Travel card to Wallet, €80.00, with a second To line Bank fees of $10.37.
1. If **Amount differs significantly from the rate we know** appears, tap **Add fees** or **Keep as is**. 2. Check the fee line in **To** and tap it to change its category. 3. Tap **Save**. 1. If **Amounts in “From” and “To” don’t match our rates** appears, tap **Add fees** or **Keep as is**. 2. If the fee line in **To** says **Choose category**, tap it and choose one. If you leave it, the transaction is saved as **Uncategorized Expense** and shows **Needs review**. 3. Tap **Save**.
iOS Internal transfer of 103 dollars from Travel card, with To lines Wallet 100 dollars and Choose category 3 dollars. iOS dialog Amounts in From and To don't match our rates with Keep as is and Add fees.

Transfers between connected accounts

When both accounts are connected, each bank sends its own half of the transfer: the money leaving one account and the money arriving in the other. finerd [looks for the matching half](/transactions/auto-processing#transfers), even in another currency or a few days later, and joins the two into one **Internal transfer**. You don't need to record such a transfer yourself. If the halves arrived as separate income and spending, see [If a transfer is recorded wrong](#fix). Until both halves meet, finerd keeps the amount in **Money on the way**. It's an account finerd creates for each pair of your accounts and names after both of them; you can't choose it in a transaction or edit it. When the other bank's half arrives and finerd matches it, the amount leaves Money on the way. If you record a transfer between two connected accounts yourself, it shows **Pending** until the banks confirm it, and the amount waits in Money on the way too. The sending account's balance already counts the transfer, and **Current** under it shows the balance the bank reports. Open **Accounts**. **Money on the way** is a separate group at the end of the list, with one account for each pair, such as "Checking -> Savings". Money on the way group in Accounts with one account, Plaid Gold Standard 0% Interest Checking, holding $50.00. Open **Accounts** from **More** or the tab bar. **Money on the way** is a separate group in the list, with one account for each pair. Open **Accounts** from **More** or the tab bar. **Money on the way** is a separate group at the end of the list, with one account for each pair, such as "Checking ↔ Savings". iOS Accounts list ending with the Money on the way group: Plaid Gold Standard 0% Interest Checking ↔ Plaid Silver, 50 dollars.

If a transfer is recorded wrong

A transaction from your bank keeps the bank's account, amount and date. What you can change is the other side: the category, or the account it went to or came from. | What happened | What to do | | - | - | | Money you moved between your accounts shows as income or spending | Open the transaction and, in place of the category, choose your other account under **Transfer To/From**. It becomes **Internal transfer**. If the other half also arrived as separate spending or income, change it the same way. The steps are the same as in [Withdraw or deposit cash](#cash). | | finerd recorded a purchase or income as a transfer | Open the transaction and choose a category in place of your account. The merchant stays **Internal transfer**: select it at the top and choose the real merchant. | | You recorded a transfer that the banks also sent | Delete your own copy: see [Delete a transaction](/transactions/add-transaction#delete). Transactions from a connected bank can't be deleted. | | finerd joined two transactions that aren't one transfer | There's no command to separate them. Open the transaction and select **⋮** → **Contact support**. | Internal transfer of $100.00 on Fri, 02 Oct 2026 from the connected card **** 1285 MasterCard to the connected account 98765432, with the bank's description and a Save button.

Fix several at once

When many transactions need the same account, change them together. 1. In **Transactions**, select the checkboxes next to the transactions. 2. Select **Edit**, then **Change transfer destination**. 3. Choose the account and select **Apply**.
Choose bulk action panel with Change to category, Change transfer destination, Change merchant, Add tag to categories, Mark as reviewed and Mark as recurring. Bulk edit summary: Change transfer destination, current Uncategorized Income, new Savings, with Add action and Apply buttons.
1. In **Transactions**, touch and hold a transaction, then tap the others. 2. Tap **Edit**, then **Change transfer destination**. 3. Choose the account and tap **Apply**. 1. In **Transactions**, touch and hold a transaction and tap **Select**, then tap the others. 2. Tap **Edit … transactions**, then **Change transfer destination**. 3. Choose the account and tap **Apply**. iOS Choose bulk action list with Change to category, Change transfer destination, Change merchant, Add tag, Mark as reviewed and Mark as recurring. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.