A manual account is one you keep up to date yourself: cash in your wallet, a card from a bank Finthy cannot sync, a loan, a brokerage line, money a friend owes you. Its balance changes when you change it, or when you import a statement.
Manual accounts are free on every plan, in every country Finthy supports. Outside the United States and Canada every bank is manual, so this is the normal way to use Finthy.
Add one to a new bank
- Go to Banks and choose Add Bank.
- Answer Where is your bank located? with the country the bank is in.
- Pick the bank from the list. A bank that cannot sync on its own shows “Add accounts & transactions manually” on its row.
- The Add Account window opens. Fill it in and save.
Add one to a bank you already have
You do not need Add Bank again.
- Go to Banks and find the bank’s row.
- Open the ⋮ menu on that row, labelled Bank actions.
- Choose Add Account. The same window opens, already attached to that bank.
Two things to know about that menu. Add Account only appears for a manual bank: a bank connected automatically through Plaid receives its accounts from the bank itself, so there is nothing to add by hand. And it only appears if you can make changes in this space; a viewer does not see it.
The Add Account window, field by field
- Bank is already filled in from the bank you came through.
- Account Name, for example “Wallet” or “BBVA Credit Card”. Required.
- Account Type, required, grouped into Depository Accounts, Credit Accounts, Loans and Investment Accounts. Cash belongs under Depository, a credit card under Credit, a mortgage or car loan under Loans, a brokerage or pension line under Investment.
- Currency, from MXN, USD, EUR, CLP, COP, PEN, BRL, ARS, GBP, CHF and CAD. Every plan can mix currencies across accounts, and the dashboard total is converted to your default currency. If you choose a currency the bank does not usually hold, Finthy says “accounts are usually held in” that currency and still lets you continue.
- Initial Balance, the balance you are starting from. Not sure? Leave it empty and add it later.
- Account Number and Card Number are optional. Only the last digits are worth entering, and that is enough for Finthy to match an imported statement to the right account.
If the account number you enter already exists, Finthy updates that account rather than creating a second one, and tells you it did.
Keeping the balance right
When you add a manual transaction, the window offers an Update account balance toggle, which applies that transaction to the account’s running balance. Leave it on and the balance follows your transactions. Turn it off when the balance already reflects it and you are only recording history. Editing a transaction offers the same toggle for the new amount, and deleting one offers to reverse its effect.
Importing a statement sets the balance to the statement’s closing balance. Finthy leaves the balance alone, and says which of these it is, when:
- the statement ends earlier than the balance Finthy already holds,
- it cannot read a statement date in the file,
- the statement is dated in the future,
- the statement is in a different currency from the account.
You can always set the balance yourself by editing the account.
Hiding and deleting
Hide account takes the account and its transactions out of your lists, balances and reports. Nothing is deleted, it can be shown again at any time, and every total goes back to where it was. This is what you want for an account you have closed but whose history you still want.
Delete Account is permanent and deletes all of that account’s transactions with it. It cannot be undone. Delete Bank removes the whole connection and everything inside it.
If your bank is not in the list
Choose Bank not listed? Add it by hand and type its name. It is created for your space only, nobody else sees it, and you can carry straight on adding accounts. Separately, Request a bank sends the name to us so it joins the shared list for everyone. Doing both is sensible.
Limits
The free plan allows 2 bank connections and 4 visible accounts. Hiding an account frees one of those four. A manual account is not second class: budgets, the calendar, reports, exports and Finthy AI treat it exactly like a synced one.