Accounts

An account is where money is kept. A bank card, cash in your wallet, savings on a deposit, a loan you have to pay back. Every transaction has one or two accounts — and the balance of each account is recalculated automatically.

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The account list and opening an account: balance, cash flow and transactions for a specific account.

Accounts on the phone: a list of accounts with balances and the trend of each.

Account types

The type affects the icon, the place in the list and which “gadget” appears in the account card. All types are counted the same way — the one exception only applies to a business book. You can change the type at any moment. Each type has its own page with a walkthrough and a video:

Type	When to choose it
Cash	A wallet, an envelope, a piggy bank, a till.
Debit card	An everyday card, a salary card, a virtual one. Cashback and statement import.
Bank account	An account at a bank without a card; a sole trader’s current account in a business book.
Savings	A deposit — with a goal, a rate, a calculator and automatic accrual.
Credit card	A credit card, an instalment plan — with an interest-free period and a payoff calculator.
Investments	A brokerage account or an IIA; inside — issuer-level tracking.
Virtual	A bookkeeping abstraction: an “envelope” for a goal, bonus points, an internal pot.
Debt	A debt with a person or an organisation — one account per debtor.

Filter by account type

Once there are two or more types among the active accounts, a filter by type appears above the groups: a dropdown on a computer, a “Type” sheet on the phone. Each type has an icon on the left and, on the right, the sum of balances across all accounts of that type (“All types” — the total balance). A choice narrows the list down to a single type, while the total balance in the header and the “Total balance trend” stay across all accounts.

The filter by account type above the groups: each type has an icon and the sum of balances; a choice narrows the list while the total balance in the header stays across all accounts.

Мобильный

On the phone the filter opens as a “Type” sheet — much like the “Journal” filter.

Create an account

Open Accounts.
Tap + New account.
Enter a name (keep it short — it appears in the transaction list), a type and a currency.
Set the opening balance — how much money was in the account at the moment you added it to Svodly. This is a special “opening” transaction; without it the balance starts from zero.

If you're starting your bookkeeping today, it's convenient to enter today's real balance as the opening one. If you want to capture history — set a date in the previous month with the balance as of that date and then import transactions for the period.

The “New account” button opens a card: name, type (here “Savings”), currency and opening balance — “Create”. The new account appears in the list, and the total balance at the top updates right away.

On the phone, an account is created with three fields — name, type and currency — and “Save”. The currency of the book is filled in by default, but you can choose another. The opening balance can be set later in the account card.

Transfers between accounts

Withdrew cash from a card, put it into savings, paid off a credit card — these are all transfers. They are neither income nor expense — in analytics, transfers are excluded so as not to distort the statistics.

On Transactions, tap + Transfer.
Choose the “From” and “To” account, enter the amount.
If the currencies differ, a rate block opens with three fields — debit, rate and credit. Fill in any two — the third is computed automatically. Below the block the rate is shown both ways (for example, 1 ₽ = 0.01 $ / 1 $ = 100 ₽).

A transfer between two books is a separate scenario. See “Books” → “Transfer between books”.

Several currencies

Accounts in different currencies live in one book without any trouble. The rate for a transfer between accounts of different currencies is entered manually and saved in the transaction itself (see “Transactions”). Amounts of individual transactions in different currencies don't mix: a grand total by amount isn't shown in the transaction list, and each account balance is visible in its own currency.

Aggregate balance at the CBR rate

If Svodly Cloud is connected to a book with accounts in different currencies, the aggregate figures on the “Summary” and “Accounts” screens — the total balance and the “Balance / Income / Expense / Free” KPIs — are automatically converted into the book's base currency at the official CBR (Central Bank of Russia) rate. On a computer, hovering over an aggregate figure pops up a breakdown: the amount in each currency with its ruble equivalent, a total, and the rate date — “≈ at the CBR rate on DD.MM”. On the phone the conversion is shown as a subtitle under the total balance.

The conversion is for display of the aggregate figures only: transaction amounts and account balances stay in their own currencies, and the manual transfer rate between accounts is still up to you. Without a connected cloud, the aggregate balance is not converted, as before.

Hovering over the aggregate figure on “Accounts”: a breakdown per currency with the ruble equivalent, a total and the date “≈ at the CBR rate on DD.MM”.

On the phone the conversion is shown as a subtitle under the total balance: “≈ at the CBR rate on DD.MM”.

Archiving and deleting an account

Closed a deposit, gave up a card — it's better to archive the account. Archived accounts disappear from the choices when creating a new transaction, but the history and the balance as of a date remain.

You can delete an account if it has no transactions. If it does, the system will offer either to delete it along with the transactions or simply to archive it. Archiving is almost always the right choice.

“⋯” on an account card opens the “Account card”; the “Archive” button removes the account from the active ones — it goes to “Archived accounts”, while the history and balance are kept.

On the phone: open the account → “Edit account” (the gear) → “Archive account” → confirm. The account is hidden from the active groups into the “Archive” section.

Where to go next

A walkthrough per account type — each with videos on creating and using it:

Cash — withdrawals and deposits as transfers, balance trend.
Debit card — cashback, statement import, sparkline.
Bank account — an account without a card and a sole trader’s current account.
Savings account — goal, rate, calculator, auto-accrual, steps.
Credit card — limit, two grace mechanics, payoff.
Investment account — brokerage and IIA.
Virtual account — an “envelope”, points, technical movements.
Debt — direction, handing the money over, due date.

And the neighbouring topics:

Transactions — how to record income, expenses and transfers.
Summary — where the balances are visible every day.
Books — if one book has too many accounts.