What is the Transfer category?

The Transfer category is for money moving between your own accounts, such as from your current account to your savings account. Transactions in this category aren't counted as spending or income, so they don't affect your budgets or analytics.

How do transactions get into the Transfer category?

When Emma detects a transfer between two of your connected accounts, it puts both sides of the transfer in the Transfer category automatically.

If Emma misses a transfer, for example because one of the accounts isn't connected, you can move it yourself:

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

See Change a transaction category for more detail.

How is Transfer different from Excluded?

Both categories keep transactions out of your budgets and analytics, but they're used for different things:

• Transfer: money moving between your own accounts. It hasn't been spent or earned, only moved.
• Excluded: any other transaction you don't want counted. Emma also puts credit card repayments and investment trades in Excluded.

Updated on: 27/10/2026