Transfers

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
Select the account that the money is leaving.
2
Click Add a transaction.
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.

When is a transfer not a transfer?

When getting ready to enter a transfer, ask yourself first, are both of these accounts set up in YNAB? If they’re not, this won’t be a transfer in the app. So what is it exactly?

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