Credit Card Payments on Mobile

There are two ways to record a payment to your credit card. You can enter it or import it—or both. Either way, the payment transaction needs to be entered as a transfer.

Entered Credit Card Payments

How to Enter a Credit Card Payment on Mobile

  1. From the Accounts tab, choose the credit card account.  
  2. Tap the Transaction (+) icon at the bottom to bring up the Add Transaction window. 
  3. Enter the amount of the payment. 
  4. Tap the toggle to indicate the transaction is an inflow to the credit card account. 
  5. Tap the Choose Payee field and select one of the Transfer Accounts options (the options are listed at the very top, or right below the Near You section if you have Geo Payees enabled). You want to choose the account from which the payment was (or will be) made. 
  6. Once you've confirmed all the other details (date, flag, memo), tap Save.

How to Use the iOS Shortcut for Entering a Credit Card Payment

  1. From the Budget tab, long-press (think tap-and-hold) the Credit Card Payment category to bring up the Context Menu. 
  2. Tap Record Payment at the top of that menu to bring up the Add Transaction screen.  
  3. Enter the amount of the payment. 
  4. Confirm that the payee is a Transfer from the correct account. 
  5. Tap Save.

What if you're paying down a credit card from an account outside the budget?

If you're using money from outside the budget to pay down the credit card, you'll set up the transaction as a regular inflow instead of a transfer. You'll follow the same initial process for entering a payment, but with a few notable differences described below!

How to Enter a Credit Card Payment From a Non-Budget Account

  1. You'll use a regular payee (not a Transfer Account option). You can create one like "Payment from Outside Account")
  2. You'll be prompted to select a category, so you'll want to use Inflow: Ready to Assign. 
  3. When you enter the payment amount, you'll still want to make sure the toggle is set on inflow. In this scenario, this payment will then use funds from outside the budget to reduce the balance on the credit card. 
  4. Tap Save

When you enter that payment, the working balance on the credit card will decrease, but the cash in the Credit Card Payment category will stay the same. Be sure to check the Credit Card Payment category after you enter that payment. If you have more cash in the Credit Card Payment category than the working balance on the card, you can move the extra cash out of the Credit Card Payment category and give it a different job in the budget.

Imported Credit Card Payments

For linked accounts, credit card payments will import once they clear. If it's the first payment between two particular accounts, YNAB won't know to make it a transfer. That is, unless you enter the payment first—using the steps above—which allows it to automatically match up when the cleared transaction imports.

How to Manually Set an Imported Payment to a Transfer

If a credit card payment imported as a regular transaction instead of a direct transfer between the accounts, we can fix that like this:

  1. Open up the specific transaction that imported. 
  2. Tap the Payee field to change it to the appropriate Transfer Account section. (Be sure to select the account that the funds are coming from).
  3. Tap Save
  4. Tap the payee field of an imported credit card payment to change it to a Transfer payee.
  5. Now you'll see one side of the transfer in each account. If you've already imported the payment in the other account, it should have matched up and will just need approval.

Going forward, as long as your bank uses the same payee for payments, YNAB will know to make it a transfer automatically. All you'll need to do is approve the match!

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