Transfers between your accounts

Record money moving between your own bank, card, and loan accounts as a transfer so it is never counted as income or expense, and match both sides.

Plans: Core and above
Availability: Available
For: Bookkeepers, Owners
In KontoCore: Banking → Transfers

In plain English

Moving money from checking to savings isn’t spending. A transfer keeps your profit and loss clean.

What this does

A transfer moves an amount from one balance-sheet account to another. When both accounts have imported activity, KontoCore matches the outgoing and incoming lines to the same transfer so neither is duplicated.

Credit card payments from checking are transfers. Loan payments are usually split between principal (transfer) and interest (expense).

How to

Record or match a transfer

1In Bank transactions, select the line and choose Transfer, then pick the other account.
2If the other side is already imported, KontoCore offers it as a match — accept it.
3Or create one directly in Banking → Transfers → New transfer.

Statuses and lifecycle

Status	Meaning
Matched	Both sides linked to one transfer.
One-sided	Only one side is imported yet; it will match when the other arrives.

Corrections, voids, and reversals

Unmatch to separate the two sides; void a manual transfer to reverse it.

Permissions

Owners, administrators, and users with bookkeeping permission can create and post. View-only users can read but not change records.

What happens in your books

No income or expense is recorded.

Transfer $2,000 checking → savings · illustrative

Account	Debit	Credit
Savings	2,000.00
Checking		2,000.00

Common mistakes

Categorizing both sides — once as expense and once as income.
Recording a card payment as an expense.

Troubleshooting

Duplicate after matching

One side was categorized before the match. Undo that categorization and accept the match.

Terms used:Transfer

Reviewing bank transactionsDecide whether each imported transaction is a new categorized record, a match to an existing record, or a transfer between your own accounts.Bank rulesCreate rules that suggest a category, payee, class, or split for matching bank lines, and control whether suggestions wait for review or apply automatically.Banking rules and transfersCreate rules that suggest or apply categories for recurring transactions, and record transfers between your own accounts correctly.Banking integrity issuesReview deterministic banking checks — possible duplicates, unmatched transfers, reconciled lines that changed, balance gaps — and resolve each with evidence.

Was this helpful?

Last reviewed October 6, 2026