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Bank accounts, cards and cash — overdrafts and limits

Free · up to 3 accounts (unlimited on Premium)

An account is anywhere money sits: a bank, a card, the cash in a drawer, a savings pot. Each one has its own currency, an opening balance, and — where it applies — an authorised overdraft or a credit limit the app watches for you.

Creating an account

1. Menu › Accounts › +.
2. Give it a short name, the type — Cash, Bank, Credit, Savings, Investment or Card — and the currency. The bank's own name has a field of its own, and it is optional.
3. If it already had money, enter the opening balance and the date it refers to: the account counts from that day, and the months before it show a balance of zero. Left without a date, from version 1.7.6 the opening balance counts from the day the account was created, or from its first movement if that is earlier — the hint under Initial balance date says so; before, it counted in every month, even those before the account existed. The dashboard on earlier months, the list of movements, Export Data, bank reconciliation and the accountant package all follow that date.
4. An icon and a colour. On the dashboard the colour is read before the name.
5. Optionally, for a bank account: the IBAN and SWIFT — the IBAN goes with the account's movements into the accountant package — and the authorised overdraft. For a card: the credit limit, and the card numbers, kept for reference.

The Professional switch marks an account as the business's. In Business only mode it is on and cannot be turned off; in Personal only it does not appear. A professional account shows the PRO mark next to its name in the lists where an account is chosen or read and, here in Menu › Accounts, the Professional badge — see keeping business and personal money apart.

Naming

Short names read better everywhere the account is listed — in the dashboard tiles, in the movement form, in reports and in the accountant package; long ones get cut off. "Bank €", "Travel card", "Cash" beat "Bank of Angela current account in euros". With several banks, one pattern keeps them apart at a glance: the bank's initials, the currency and the kind of account — BOA € CA for a checking account at Bank of Angela — with the full bank name in its own field. An account can be renamed at any time; the app knows it by its record, not its name, so nothing on it is lost.

Overdraft and limits

An account with an authorised overdraft can go below zero without alarm; the dashboard bell and the cash-flow forecast use the limit to tell a normal negative from a real one. A card's credit limit works the same way. The usage alert starts at 80 % of the overdraft or the limit, reminds once a day while the account is past it, and the percentage can be changed on the account.

The card numbers are there for reference, and only their last four digits are kept: a full card number typed there becomes •••• 1234 when the account is saved. Those last digits travel with cloud sync, like the rest of the account.

The same name twice

Two accounts may share a name: two of your own in different banks or currencies, or — in a shared space — one per person. They stay separate because an account is identified by its own code, never by its name; renaming an account never loses it. Since version 1.5.0 the app warns when a name already exists on the phone and asks whether to save anyway. It never blocks. From version 1.7.8 the wallet counts too — while it keeps its name, an account created or renamed Wallet, or the wallet's name in any of the app's languages, gets the warning — and a name typed with other accents or extra spaces counts as the same.

Balances

The dashboard shows the balance of every account, converted to the default currency for the total — at the automatic rate (Premium) or at the rate you set by hand, which wins over it; an account in another currency also shows its converted value under its own balance, on the dashboard and in Menu › Accounts. The currency button in the dashboard header, at the right end of the row with PRO · ALL · PER, switches that figure between the Total Balance, everything converted, and the balances in their own currencies, one line per currency and nothing converted. The account cards sit in two rows; with more than six accounts the box scrolls, and from version 1.7.4 the top of the third row shows at its edge, so the seventh account is never out of sight without a sign.

Checked against ZeniCash 1.5.0 on 2026-09-10. Where a feature is Premium, it says so.