Smart Transfer and Refund Consolidation
Budgie consolidates obvious transfers and merchant refunds automatically, then leaves ambiguous matches for review.
Why imported transactions need consolidation
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.
Refunds have the opposite problem: a merchant credit can look like income even though it reverses an earlier expense. Budgie consolidates clear refund matches automatically and keeps uncertain cases available for manual review.
What you get
Counter-IBAN stored per leg — primary signal for cross-account matching
Amount + time-window matching catches transfers and refunds without perfect bank metadata
Cross-currency: $1000 → €925 within 3 days matches when the FX rate is plausible
Manual review for ambiguous refund matches instead of silent guesses
Original entries stay linked under the consolidated transaction for full audit trail
How it works
On every consolidation run, Budgie scans new entries against existing ones for matching counter-IBAN, amount, sign, title, and time window. Transfer matches become one transfer. Refund matches link income back to the expense they reverse.
Frequently Asked Questions
What if the algorithm misidentifies a match?
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
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