Why are internal transfers counted as spending?

When you move money between two of your connected accounts, Emma usually detects the transfer and puts both sides in the Transfer category. Transactions in Transfer aren't counted as spending or income.

Why is a transfer showing as spending?

Emma can't always detect a transfer. This usually happens when:

• One of the accounts isn't connected to Emma.
• Both accounts are connected, but the two transactions couldn't be matched, for example because they arrived on different days.

When a transfer isn't detected, the outgoing payment counts as spending and the incoming payment counts as income.

How do I fix it?

Change the category of the transaction to Transfer:

1. Tap the transaction.
2. Tap its category.
3. Select Transfer.

If both sides of the transfer are in Emma, change both. Emma learns from your edits, so after you've changed a few similar transfers, new ones will go into Transfer automatically.

Updated on: 27/10/2026