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.

“Accounts”: “Total balance over time” split into parts, groups by type — credit cards show the limit bar and payment due date, savings the goal progress, debts a summary. Clicking the main card opens it: balance, the month’s income and expenses, cash flow and transactions.

“Accounts” on the phone: the total balance split into “Own money · Owed to you · Loans · Debts”, groups by type — credit cards show the limit bar and due date, savings their goal. Tapping the main card opens its page: balance, the month’s income and expenses, a day-by-day 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.

Entered a credit card as a debit card and write the debt with a “−” sign? The app hints with a “Below zero on the card?” notice — in the form and on the account card. The “Credit card” type adds a limit, an interest-free period and payment reminders — see “A credit card entered as a regular card”.

Where to go next

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