> For the complete documentation index, see [llms.txt](https://now-8.gitbook.io/now.-features/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://now-8.gitbook.io/now.-features/banking/transfers.md). # Transfers When you move money between your own accounts — like from checking to savings, or paying off a credit card from your bank — those transactions should be recorded as **transfers**, not as income or expenses. #### Why Transfers Matter If you categorized a credit card payment as an expense, you'd be double-counting. The original credit card charge already showed up as the expense; the payment is just moving money from one of your accounts to another. Recording it as a transfer keeps your reports clean. #### How to Record a Transfer 1. Tap an outgoing transaction (the money leaving the source account) and select **Transfer**. 2. Choose the destination account — the bank or credit card the money was transferred to. 3. now. shows candidate transactions from the destination account that match: same absolute amount, opposite sign, and within ±3 days of the original transaction date. 4. Select the matching transaction. 5. Tap **Save** to pair them. now. creates a balanced journal entry behind the scenes that debits the destination account and credits the source account. Both transactions move to **Categorized** with the type **Transfer**. #### Rules * The Transfer option only appears for bank accounts and credit cards (asset or liability accounts). * You cannot create a transfer if either transaction is matched to a bill or invoice. * Candidates must be in **Needs Review** status, have the same absolute amount, opposite sign, and fall within ±3 days. * Transfers are never recorded as income or expenses — they are internal movements. * A transaction that's part of a transfer cannot be deleted until the transfer is undone. #### Viewing a Transfer Open either transaction to see the transfer detail. You'll see both legs (source and destination) and the date the transfer was recorded. #### Undoing a Transfer Open the transfer detail and tap **Undo**. now. reverses the journal entry and returns both transactions to **Needs Review** so you can re-categorize them. If the transfer is dated within a closed period, the undo option is hidden. Reopen the period (or accept the prior-period adjustment flow) to make changes. #### Related * Transactions * Reconcile --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://now-8.gitbook.io/now.-features/banking/transfers.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.