Debit & Credit User Guide


If you have a general question that is related to the core functionality of the app (using the app first time, syncing data, using budgets, split transactions, etc), please read the user guide where these topics are covered. If you can't find the answer your are looking for, please contact support.

How to change transaction date?

When creating or editing a transaction, select "Extra Options" and you will be able to change the date. In iOS version of the app, you can also move the date picker to the main page of the transaction form. There is an option for that in the app settings (Settings -> Advanced Settings -> Transactions).

I would like to share accounts with my wife (she has a different Apple ID). Is that possible?

Yes, you can use shared accounts for that. You can read more in the user guide.

I would like to write down check numbers with my transactions. Is that possible?

Yes, you can use transaction notes for that. Notes are available in the transaction form in "Extra Options" and they are searchable by the app. Besides, you can enable notes column to be displayed in the table view in macOS.

How to record a credit card payment in Debit & Credit?

First of all, it is important to understand that a credit card statement payment is not an expense from a financial point of view and it should not be treated as an expense in the app as well. It is just a transfer from your savings account to your credit card account. That is also the way how it should be recorded in the app.

When you pay with your credit card (e.g. online or at a store), you incur expense right at that moment since you already owe that money and you will repay it. That is also the moment when an expense should be recorded in Debit & Credit.

Why not to download transactions directly from my bank account?

One simple reason: it is a huge security and privacy risk. Consider this: when you provide your internet banking password to a service that is going to download your transactions for you, this service will keep your password in a decryptable view on its server. That is an extremely risky thing to do. It is like giving the keys to your safe to someone who seems to be a good guy, but you can’t be 100% sure about him.

You can read more about that here.

I would like to print out a list of my transactions. How can I do that?

Printing in both iOS and Mac versions of Debit & Credit is limited to reports only. There is no way to print transactions directly from Debit & Credit. However, if you are using the Mac app, you can export transactions to the Numbers app or any other spreadsheet software first and then print them out from there.

The reason for that is because transaction history frequently requires a reasonable amount of reformatting before printing, e.g. you might want to remove some columns and change the font size to fit all transactions on one page. Therefore, it is better to use dedicated spreadsheet software for formatting.

How to record a transaction in a currency which is different from the currency of my account?

There is one simple reason why there is no such feature currently in place and why it is not planned.

Even if the app could use the current exchange rate to record transactions denominated in a different currency, the amount recorded in the currency of the account will still be different to the amount that will appear on your bank statement once the transaction is cleared. This due to the fact that foreign currency transactions are never settled immediately by banks, it usually takes them 1-2 days to clear your transaction with their own currency exchange rate (which is never known in advance).

This makes it no different to recording transactions with any approximate amount instead of entering them in the foreign currency. You will still need to edit those transactions to enter the right amount for each of them once transactions are cleared.

I don't remember the PIN that I set in the app settings. How can I reset it?

Please try the following steps to restore the PIN.

How to sync data via iCloud?

iCloud sync is enabled by default in the app. If it does not work for you, please try the following troubleshooting steps.

Related topics: getting started, general information about transactions, advanced features in the app, managing your data.