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Bank
Bank is a worklist. Transactions arrive from the connections configured in Bank connections, and the job on this page is to say what each one was.
The classification
Every transaction gets one of:
| On screen | Means |
|---|---|
| Zakelijk | Business. Belongs to the books. |
| Privé | Private. Belongs to personal expenses. |
| Uitgesloten | Excluded. Not spending at all — a transfer between your own accounts, for instance. |
| Genegeerd | Ignored. Deliberately set aside. |
Openstaand (outstanding) is the queue of transactions not yet classified, and Geboekt (booked) is what has been dealt with. Working the outstanding queue to empty is the routine.
Excluded and ignored exist so the queue can actually reach zero. Without them, every internal transfer would sit there forever looking like an unanswered question.
Categories
Beyond the classification, a transaction gets a budgetcategorie. Those are the same categories as Budget and personal expenses, which is what lets planned and actual spending be compared at all.
The app will not let you book a transaction with neither a category nor an explicit exclusion — the error says kies een categorie (of markeer als uitgesloten), "choose a category (or mark as excluded)". That is the one place it insists, and it is the right place: an uncategorised booked transaction is invisible to every report that follows.
Rules
A rule matches on the counterparty or description containing some text, and applies a classification and category automatically. The placeholder in the app suggests the shape: a supermarket name, matched forever after.
Rules are how the worklist stays short. The first pass through a month's transactions is manual; after that, the recurring ones classify themselves and only the genuinely new arrivals need attention.
Linking to records
A transaction can link outward to the thing it paid for — an invoice, an expense, a deal. The direction is deliberate: you work from the transaction, which is the thing that appeared unbidden, to the record that explains it. See Tags, links and the knowledge graph.