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The Accounts page (/accounts) is where you manage all your accounts in one place. This guide shows you how to add an automatic bank account, create a manual account, reconcile a balance, save a note on an account, and remove your data.

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Account types

Automatic account

Connects to your bank through open banking. Transactions and balances sync on their own.

Manual account

Created by hand, with no bank connection. Ideal for cash, foreign accounts, or unsupported banks.

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Add an automatic bank account

Automatic sync uses open banking: you authorize read-only access in your own bank’s portal, and guito then imports your transactions and balances.
1

Open the Accounts page

Go to Accounts in the sidebar.
2

Add the account

In the accounts section, click Add.
3

Choose your bank

Select your bank from the list.
4

Authenticate at your bank

Complete authentication in your bank’s portal with your banking credentials.
5

Authorize access

Authorize read-only access to your account data.
For the details of how sync, authorization, and connection renewal work, see the bank sync page.

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Reconnect an expired account

When a connection expires, a notice appears at the top of the Accounts page. Reconnecting happens in Connections.
1

Open Connections

Click Manage on the notice, or go to Connections in the sidebar (the Tools section).
2

Reconnect the connection

The expired connection appears in red. Click Reconnect and complete the flow to restore syncing.

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Add a manual account

Manual accounts don’t connect to any bank. They’re useful for physical cash, accounts at banks not supported by open banking, or foreign accounts.
1

Open the Accounts page

Go to Accounts in the sidebar.
2

Add the account

Click Add.
3

Choose manual entry

In the dialog, select Add manually.
4

Fill in the details

  • Account name: for example, “Cash at home” or “Safe”.
  • Account type (optional): Checking, Savings, Investment, Cash, or Credit card (see the section below).
  • Icon (optional): pick an icon and color to tell the account apart when it has no bank logo.
  • Bank: select from the list or choose “Other bank”.
  • Currency: the account’s currency.
  • Initial balance (optional): the current balance.
5

Create the account

Confirm to create the account.
Manual accounts don’t sync automatically. The balance has to be updated manually, through a balance reconciliation.
The account type (checking, savings, investment, cash, credit card) lets you view the list grouped by type: on the Accounts page, choose the By type view. You can also assign a custom icon and color to each account to tell apart several manual accounts that have no logo.

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Add a credit card

A credit card is a manual account with its own type. The balance represents what you owe, so it counts as a liability (debt), not as available cash.
1

Open the Accounts page

Go to Accounts in the sidebar, click Add, then Add manually.
2

Choose the Credit card type

Under Account type, select Credit card.
3

Enter the amount owed

In the Amount owed field, enter how much you currently owe, as a positive number. guito stores it as debt.
4

Create the account

Confirm to create the card.
Once created, the card works like any account: you can record its movements and the spending shows up in cash flow. When you pay the bill from a checking account, record that payment as a transfer between the two accounts. In your Net worth, the card’s balance appears in the Credits line, not in Cash, lowering your total. Because it’s a debt, the card is left out of goals allocation: it isn’t money you can set aside. Credit cards are available on all plans.
For now, credit cards are added manually. Automatic import from your bank isn’t available yet: through open banking, banks share only the current account, not credit cards.

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Add notes to an account

You can save a personal note on an account, manual or automatic, for example to remember the account number or a useful reference.
1

Open the account dialog

When you add an account, or edit an existing one, open its dialog.
2

Write the note

In the Notes field, write what you want to remember.
3

Save

Confirm. The note appears in the account’s Details card.

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Reconcile a balance

A balance reconciliation pins an account’s balance to a specific date. From that date onward, the chart anchors to that value.
1

Open the account

Open the account in Accounts.
2

Start the reconciliation

From the (⋮) menu, choose Reconcile balance, or use the Add button in the Balance reconciliations section.
3

Set the date and amount

Choose the date and the amount, that is, the balance at the end of that day.
4

Save

On saving, the chart anchors to that value from that date onward.
To edit or delete a reconciliation, use the (⋮) menu on its row in the Balance reconciliations section.
Reconciliation is available on both manual and automatic accounts. On an automatic account, it lets you seed the history before the first synced date (instead of a line at €0) or correct a value inferred by the system. It is not available on brokerage accounts, where the cash balance comes from the broker itself.
To understand how balances and history are calculated, and which value takes priority when several land on the same date, see how balances work.

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Removing data

The accounts page does not include a flow to delete an individual account. To permanently remove all of your data from guito, delete your account.

Bank sync

How open banking, authorization, and connection renewal work.

Transactions

View, categorize, and analyze your accounts’ transactions.

How balances work

The logic behind balances, history, and reconciliations.

Goals

Allocate your account balances to savings goals.