Virtual account
An account with no real wallet or bank behind it: an “envelope” for a goal, bonus points, air miles, an internal pot for settlements. It is counted like any other, but it stands for an agreement with yourself rather than for money.
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How to create one
- On the “Accounts” screen press + New account.
- Type — “Virtual”.
- Opening balance — how much is “in” the envelope, or how many points you have.
When you need one
- An envelope for a goal. You are setting money aside “for a holiday”, but it physically sits on the same card: a transfer from the card to a virtual account separates what is set aside from what is free. If you want a forecast and a rate, take a savings account instead.
- Points and miles. Create an account in “points” — your own currency — and keep the earning and spending separate from money.
- Technical movements. An intermediate account for whatever does not belong to any real wallet.
The one exception to the rules. In a business book virtual accounts stay out of the tax base — handy for technical movements that must not count as revenue. In everything else all account types are counted the same way.
Where to go next
- Savings account — if you want a goal, a rate and a forecast.
- Budgets — another way to cap spending without a separate account.
- Accounts — the general part.