Wise PennyTagging internal transfers
When you move money between your own accounts, your bank records it twice. Wise Penny links the two sides so the movement doesn't count as spending or income.
Done through your assistant. This isn’t something you set up inside the Wise Pennyapp yet — you ask your connected AI assistant to do it for you. The app shows the result (for example, an “Edited” or “Split” mark on a transaction); the examples below show what to ask.
The problem: one transfer shows up as two transactions
Move $500 from checking to savings. Your bank shows a $500 outflow from checking and a $500 inflow to savings. Taken at face value, that reads as $500 of spending and $500 of income. Both are wrong — it's the same money.
Credit card payments have the same problem. Pay your card from checking and you'll see a $1,200 outflow on the checking side and a $1,200 payment on the card side. The spending happened when you charged the card, not when you settled the balance. Counting the payment as more spending would double it.
Linking the two sides into a matched pair
Once linked, both transactions are flagged as pass-through — neither counts toward your spending totals, income totals, or budget math. They net to zero.
Two kinds of movements get linked this way: transfers between your depository accounts (checking, savings), and payments from a depository account to a credit card you own.
Linking happens automatically when both sides are visible
When both sides of a transfer land in accounts connected to Wise Penny, the system pairs them automatically. Same-day or next-day moves, credit card payments from a connected bank, routine savings-to-checking transfers — all handled without input from you.
The auto-matcher uses conservative criteria, so it can miss one — a foreign-currency transfer where the two sides settled at slightly different amounts, a transfer that took several days, or anything that looked unusual. If you spot one that didn't get paired, ask your assistant to link the two sides.
Unlinking a pair that got matched wrong
Automatic pairing is occasionally wrong — two transactions might look like a matched pair without being one. Ask your assistant to unlink them and both sides immediately return to their original treatment.
Only transfers within your circle count
Linking only applies when both sides are accounts inside your circle — your own accounts, plus any accounts other members of your circle have connected. Paying someone else's credit card, sending money to an external account, or wiring to a person outside the circle are real expenses; the money has left the circle's financial picture. Those should not be linked as internal transfers.
If you pay a Venmo or Zelle to a partner or household member and you're both in the same circle, that qualifies. If the other person's accounts aren't in the circle, it's outgoing spend.
Resets keep the link; splits need an unlink
Resetting a transaction (reverting its category, notes, and tags to the bank's originals) doesn't undo its transfer link. The accounting relationship between the two sides shouldn't disappear just because you cleaned up other edits. To actually break a link, ask your assistant to unlink it explicitly.
Splits are rejected on a linked transaction. If you genuinely need to split one side, unlink it first.
For more on what you can do with individual transactions, see the guide on categorizing, splitting, and tagging.
Ask your assistant: “Did my transfer to savings on the 15th get linked? If not, can you find both sides and connect them?”