Transfers and card payments are never spending
Money moving between your own accounts, paying off a card, moving crypto between your wallets, and bridging to another network change where money is, not how much you spent.
Spending and income in FullFi come only from categories. A transfer moves money from one of your accounts to another and touches no category, so it can't show up as spending or income in any report or budget.
Moving money between your accounts
Record it with the Transfer tab when you record a transaction: pick the account it leaves From and the one it goes To. Moving 500.00 CAD from chequing to savings lowers one balance by 500.00 CAD and raises the other by the same amount. Your net worth doesn't change, and nothing is spent.
Transfers go between accounts in the same currency. If the bank charged a fee for the transfer, enter it in the Fee field: it's recorded as its own bank fee expense line, so the transfer itself stays whole.
Paying a credit card
Paying a card is a transfer to the card, not spending. The purchases were already spending when you made them. Paying the card only moves money from your bank account to the card's balance. Counting the payment too would count every purchase twice.
Say you buy groceries for −84.12 CAD on your card, then pay the card from chequing. Groceries shows −84.12 CAD of spending once. The payment lowers chequing and what you owe on the card by the same amount.
When you import both sides
A bank file shows money leaving chequing, and the card's file shows it arriving. Until they're linked, each half sits in Uncategorized. FullFi looks for pairs: the same amount in the same currency, out of one of your accounts and into another, at most three days apart.
- After an import, FullFi links the pairs it's sure of on its own, depending on the automation level in Settings. With More control, it never links on its own.
- Other pairs appear on the dashboard under Possible transfers, with Link as transfer.
A linked pair becomes one transfer, and the transaction's page says so. If it's wrong, Unlink puts both halves back in Uncategorized.
Crypto wallets
Moving a token between two wallets you track on the same network is a transfer, never income or spending. Sending to or receiving from an address you don't track is recorded against Unknown Destination or Unknown Source, which count as neither income nor spending until you say what it was.
Wrapping (ETH into WETH, SOL into wSOL, stETH into wstETH) is a conversion recorded through a trading account, never income or spending. So is a swap of a network's own coin for a token, such as ETH for USDC. A token-for-token swap FullFi doesn't recognize yet shows as money out and money in against Unknown Destination and Unknown Source: still not spending, and waiting for you to classify it.
Bridges to another network
When you send a token through a bridge FullFi recognizes (such as Across, Circle CCTP, or Stargate), the money is in transit: it has left the sending wallet but hasn't arrived yet. It's recorded as a pending transfer, so your net worth doesn't drop.
When the same kind of token arrives in one of your wallets on the other network within 24 hours, and FullFi is sure it's the same transfer, it links the two into one settled transfer. What the bridge kept is recorded as its own expense under Bridge fees. Send 1,000.00 USDC and receive 999.40 USDC, and you've transferred 1,000.00 USDC and paid a 0.60 USDC fee.
If nothing arrives within 24 hours, the bridge is flagged on the Wallets page. You can link the arrival yourself within 14 days, or say it wasn't a bridge to your wallets, which records it as money sent to an unknown destination.
Fees are always their own line
A fee is never folded into the amount it came with. Gas on a blockchain is recorded under Network fees, failed transactions included, and bridge fees under Bridge fees. So "−84.12 CAD at the grocery store" stays −84.12 CAD, and what you paid to move money is easy to find.
See the crypto wallets article for which chains and bridges are supported.