Smart Transfer Consolidation
When the same amount leaves account A and arrives at account B, Budgie merges them into one transfer — IBAN-aware, cross-currency-aware.
Why two synced banks double-count your transfers
Two synced banks see the same transfer twice — once as a debit, once as a credit. Without consolidation, your spending doubles. Budgie matches the pair using amount, time window, and the counter-IBAN stored on each leg.
Cross-currency consolidation works too: $1000 sent and €925 received within a 3-day window match if the FX rate is plausible. Manual override is one tap if the algorithm gets it wrong.
What you get
Counter-IBAN stored per leg — primary signal for cross-account matching
Amount + time-window matching catches transfers without IBAN data
Cross-currency: $1000 → €925 within 3 days matches when the FX rate is plausible
One-tap manual override if the algorithm guesses wrong
Original entries stay linked under the merged transfer for full audit trail
How it works
On every bank-sync run, Budgie scans new entries against existing ones for matching counter-IBAN + amount + sign + time window. Matches collapse into a single Transfer transaction; the original entries link back for audit.
Frequently Asked Questions
What if the algorithm misidentifies a transfer?
Does this work across two different banks?
What about cross-currency transfers?
Will old (already-imported) transactions get re-matched?
Related Features
Read More on the Blog
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.