> ## Documentation Index > Fetch the complete documentation index at: https://docs.guito.pt/llms.txt > Use this file to discover all available pages before exploring further. # Accounts > Automatic and manual bank accounts, balance reconciliation and removal. The **Accounts** page (`/accounts`) is where you manage all your accounts in one place. ## Account types Connects to your bank through open banking. Transactions and balances sync on their own. Created by hand, with no bank connection. Ideal for cash, foreign accounts, or unsupported banks. ### Accounts with no type Not every bank states what kind of account it is sharing. When that happens, the account shows a **No type** label in the list and guito does not guess: until you set the type, that account's balance counts as cash. This matters most for a credit card. A card's balance is what you owe, so with no type a debt adds to your net worth instead of reducing it. On the **Accounts** page, click the account marked **No type**. Under **Details**, click **Set type** and choose the account's type. Your choice is saved, and later syncs keep it. You don't have to go looking for this: guito asks right after you connect your bank, and if you'd rather answer later, the reminder waits in the notifications bell until you set the type. Putting it off blocks nothing, the account keeps importing its movements. ## Add an automatic bank account In **Accounts**, click **Add** and choose your bank: you authorise read-only access in your own bank's portal, and guito then imports your transactions and balances. The step-by-step is in [connect your bank](/en/getting-started/connect-your-bank). Automatic sync is part of [Plus](/en/account/plans-and-pricing): during the [free trial](/en/account/free-trial) you can create up to two bank connections — each connection brings in every account you authorise at that bank. For the details of authorisation and connection renewal, see [bank sync](/en/features/bank-sync). ### Reconnect an expired account When a connection expires, a notice appears at the top of the **Accounts** page. Click **Manage** and reconnect it in **Connections** (the **Tools** section of the sidebar). ### Re-authorise a bank you're already connected to Sometimes your bank starts sharing an account it didn't share before — a credit card, for example. That account only appears in guito once you authorise access again, even when the connection is working fine. In **Connections**, open the connection's **⋯** menu and choose **Re-authorise**. The flow is the same as the initial connection, and the accounts you already have keep their history: guito recognises them and only adds the new ones. ## Add a manual account Go to **Accounts** in the sidebar. Click **Add**. In the dialog, select **Add manually**. Give the account a name ("Cash at home", for example), choose the **currency** and the **type** — checking, savings, investment, cash or credit card — and, if you like, a bank, an icon and a colour. The **starting balance** is the balance at the start of the **start date** (today by default); movements from that day onward are added to it. If your bank isn't on the list, choose **Create custom bank** and start typing the **Bank name**. guito searches a list of banks, brokers, crypto and stock exchanges and meal cards; pick a result and the name and logo are filled in for you. If it isn't there, keep the name you typed. In that case the **Bank domain** is optional and is used to show the logo: type just the website address, such as `degiro.com`. A domain guito can't read is flagged on the field itself before you save. Confirm to create the account. Manual accounts don't sync automatically. The balance starts from the starting balance you enter and adds the movements you record; to correct it or pin it to a given date, use a balance reconciliation. When a manual account's balance goes 60 days without an update, a reminder appears in the [notifications bell](/en/features/notifications), under **Updates**. It goes away once you update the balance. On the **Accounts** page, the **By type** view groups the list by each account's type. ### Connect a manual account to your bank If you've been keeping an account by hand and your bank has since become available through open banking, you can connect that same account instead of creating a new one. The history you already recorded stays where it is. On the **Accounts** page, click the manual account you want to connect. On the **Automatic sync** card, on the right, click **Enable sync**. In the app the card carries an illustration and you just tap it. The same option is in the account's options menu. You'll be taken to your bank. Once you authorise, you'll come back to guito. When your bank returns more than one account, guito asks which one matches the movements you already have. Only accounts in the same currency as yours are offered: if the bank shares none, guito tells you and nothing is connected. **You won't get duplicate movements.** The days you already have recorded aren't imported again. If the bank dates one of your movements up to three days off, guito recognises it by its amount and doesn't bring it in a second time. The rest of the bank's history comes in. If you add the bank from **Add** instead of **Enable sync** and the bank returns an account with the same IBAN as one of your manual accounts, guito connects that account: it keeps the name you gave it and doesn't repeat the days you already recorded. An account you disconnected on purpose stays manual when you renew that bank's authorisation; to sync it again, use **Enable sync** on the account itself. If the account has no bank set yet, click **Choose bank** on the card: you pick the bank in the same window and go straight on to authorise access. If you typed the bank's name by hand and that bank can now be connected, guito recognises it and doesn't ask again. For a broker such as Trading 212 or Interactive Brokers the card does not appear: add it from **Add**. On an archived account the card does not appear: **unarchive** the account first, from the notice at the top of the account. ## Add a credit card A credit card is an account with its own type. The balance represents what you owe, so it counts as a **liability** (debt), not as available cash. Go to **Accounts** in the sidebar, click **Add**, then **Add manually**. Under **Account type**, select **Credit card**. In the **Amount owed** field, enter how much you currently owe, as a positive number. guito stores it as debt. 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 current 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 **Banking**, lowering your total. Because it's a debt, the card is left out of [goals](/en/features/goals) allocation: it isn't money you can set aside. Credit cards are available on all plans. Some banks share credit cards over open banking: when yours does, the card is linked along with your other accounts and its balance updates on its own. ### Credit limit Some banks share only the **available credit** — how much you can still spend — rather than the amount owed. In that case, guito needs your card's limit to work out the amount owed (limit minus available credit). The card then appears in the list labelled **No limit set**, showing the available credit your bank shares (for example, "€564.14 available") where the balance would go. On the **Accounts** page, click the card marked **No limit set**. Click **Set limit**, below the available credit at the top of the page (or under **Details**), and enter the card's limit (you'll find it in your bank's app or online banking). The balance appears on the next sync and updates on its own from then on. As with the account type, guito asks for the limit right after you connect your bank, and keeps the reminder in the notifications bell if you'd rather answer later. Until you set the limit, the card still imports its movements as usual. If you see **No balance yet** instead, there's nothing to do: the movements have arrived and the balance appears as soon as the next sync finishes. ## An account's transactions Open an account in **Accounts** to see its transactions. **Add transaction**, at the top of the page, records one in that account, and the top of the page stays in view as you scroll. On a phone, some of the buttons up there show only their icon. In the mobile app, on a manual account, **Add transaction** is the floating button in the corner of the account screen and of its full transaction list. Click a transaction to edit it without leaving the account. If you change its name or category, you're offered the same change for similar transactions, just as on the transaction's own page. To see everything about it, use **Open transaction page**. To handle several at once, select them, synced or manual, and choose **Categorise** or **Exclude from cash flow**; when every selected one is already excluded, the option becomes **Include in cash flow**. **Delete** only removes manual transactions: the ones from your bank stay, and you're told how many were left out. ## Add notes to an account When you create or edit an account, write whatever you want to remember in the **Notes** field — the account number, for example. The note appears in the account's **Details** card. ## 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. Open the account in **Accounts**. From the (⋯) menu, choose **Reconcile balance**, or use the **Add** button in the **Balance reconciliations** section. Choose the **date** and the **amount**, that is, the balance at the end of that day. Confirm to save the reconciliation. As you type, guito shows you what that figure would produce: the balance on the chosen date, how many movements there have been since, and the **resulting balance**. It is there to catch the most common slip — copying the balance your bank shows today and dating it a few days back, which counts those days' movements twice. 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 guito. It is not available on Trading 212 cash accounts, where the 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](/en/concepts/how-balances-work). ## Removing data To delete an account, open it in **Accounts** and choose **Delete account** from the (⋯) menu: the account, with all of its transactions and history, is permanently deleted and can't be recovered. If you only want it out of sight, choose **Archive** in the same menu. Archiving only hides the account: a synced account keeps syncing (to stop it, use **Disconnect**). You can **Undo** right after, and an archived account shows a notice at the top with **Unarchive**. To permanently remove all of your data from guito, [delete your account](/en/account/your-data). ## Related pages How open banking, authorisation, and connection renewal work. View, categorise, and analyse your accounts' transactions. The logic behind balances, history, and reconciliations. Allocate your account balances to savings goals. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.