Changing an Account Type on Mobile

When you first added an account, YNAB asked you to choose the account type: checking, credit card, line of credit, savings, cash, liability, or asset. You might have chosen one type of account, and later realized that it’s incorrect, or that you want the account to behave differently. Maybe you realized your savings account really should be included in your budget, and not just listed as a tracking account, so you can make a plan for those dollars, too! ( Ahem...we highly recommend including your savings accounts in your budget! 😄)

While it’s not possible to change the type of an account once it’s already been created in YNAB, you can replace it with a new account. We’ve provided steps and tips below to help you recreate that account, but if you’re feeling at all unsure about the process, there is no shame in reaching out to Customer Support!

In This Article

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  • They type of account you have, and how old it is
  • The type of account you want it to be
  • Whether you’ll be making the changes from a computer or a mobile device
  • Whether the account is connected to Direct Import

⚠️ Proceed At Your Own Risk! ⚠️

Ok, so this isn’t a life-altering change, but you really should know about the consequences before you start messing around with your account structure!

Here are some of the things to be aware of before you make the changes:

  • Any time you’re making changes that involve Budget accounts, we highly recommend making a Fresh Start instead. This will save your current budget and all its history, but will give you a clean slate with a shiny new budget, making it easier to make changes without causing problems in the budget.
  • If your account has any transfer transactions, it might affect the other accounts impacted by those transfers.
  • If credit card accounts are involved, these can really impact your budget because of the way they move money around in your categories. For these, we definitely recommend option 2 in the steps below. (Or again, a Fresh Start is an excellent option!)

If you’re moving from a Budget account to a Tracking account:

  • Changing your account will remove money from your budget, so you will need to move things around in your budget to compensate.
  • The account will no longer have a category field, so you will lose that information.

If you’re moving from a Tracking account to a Budget account:

  • Money will be added to your budget.
  • You’ll now need to categorize all transactions.

Alright — Let's Do This!

Now that you’ve read through those warnings, it looks like you’re ready to move forward with the changes!

There are two options below, and the one you choose will depend on how many transactions you have in your account. The guideline we typically use is the age of the account: if it’s less than a month old,  choose option 1; if it’s older than a month, choose option 2. Of course you can use your best judgment here based on how many transactions are in your account (maybe it’s one that you rarely use), but if you have a lot of transactions, we definitely recommend option 2!

If you do this on a computer instead of your mobile device, you’ll have access to that beautiful Undo button, in case anything doesn’t go as planned!


Option 1: The Account is Less Than One Month Old

For accounts that are less than a month old (or don't have many transactions).

Use this option if you look at your account’s history and think, “Eh, this will be no big deal!”

1

 Create the new account.

  1. Tap Accounts (the second tab on the bottom of the app) > Add Accounts > Unlinked.
  2. Choose the desired account type.
  3. Give it a nickname (it will need to be slightly different than the original account name).
  4. Enter 0 for the balance.

2

 Move the transactions from the old account to the new account.

  1. Select all transactions.
  2. Tap More in the bottom right corner.
  3. Tap Move.
  4. Choose the New Account from the list.

This is easier from the web app, where you have the option to select all transactions and undo if needed. Log in to your budget on a computer to give these steps a try if you run into any difficulty!

3

 Delete the old account.

  1. In the original account, tap Edit in the top right corner.
  2. Tap Delete Account at the bottom.
4

 Edit the new account. 

Now you can change the name of the new account, or link the account if needed.

Option 2: The Account is More Than One Month Old

For accounts that are more than a month old (or have a lot of transactions).

Use this option if you look at your account’s history and think, “This could potentially wreak some havoc if anything goes wrong…”

1

 Create the new account.

  1. Tap Accounts (the second tab on the bottom of the app) > Add Accounts > Unlinked.
  2. Choose the desired account type.
  3. Give it a nickname (it will need to be slightly different than the original account name).
  4. Enter 0 for the balance.

2

 Transfer the balance.

Go to the original account and transfer the whole balance to the new account with a new transfer transaction.

3

 Close the old account.

  1. In the original account, tap Edit in the top right corner.
  2. Tap Close Account at the bottom.
4

 Edit the new account. 

Now you can change the name of the new account, or link the account if needed.

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