Debit card

A salary card, an everyday card, a virtual one for subscriptions — the account most transactions go through. It differs from a credit card in one thing: the money on it is yours, and it has no reason to go negative.

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How to create one

On the “Accounts” screen press + New account.
Type — “Debit card”.
Opening balance — the balance at the moment you start keeping records. After that it changes through transactions only.

It is worth having a separate card per bank: you see where the money sits, and cashback rules and statement import are attached to a specific account.

The account card: the balance and the month’s figures in the header, cash flow next to it and the transaction feed below — with filters and a “list / calendar” switch.

On the phone the account card is the same: balance, flow and the transaction feed.

What a card gives you

Cashback. Rules like “5 % on groceries, capped at 3,000 ₽” live on the card — the “Cashback” section works out what you earned from your transactions.
Statement import. A CSV or Excel file from the bank is loaded into a specific account, and the app assigns the categories itself — see auto-categorisation.
Balance trend. The sparkline on the card shows how the balance moved over the period; on a debit card it should not cross zero — if it does, some income is missing or an expense is doubled.
Cash withdrawals are a transfer to the “Cash” account, not an expense.

Where to go next

Cashback — the card’s cashback rules.
Import & export — loading a statement.
Accounts — the general part.