Accountant
User manual
Bank details
Record a bank account's interest, fees and time deposit terms, and see what it earns after tax.
What you'll do: add the details of a savings account, e-wallet or time deposit, so the app can estimate its interest, remind you before a deposit matures, and match your bank's alerts.
Before you start
Bank details are for accounts in the Cash in bank and E-wallet categories. These accounts are always Cash accounts.
Set up bank details
- Open Accounts, tap the account, then tap Set up bank details.
- Read the intro ("Know what this account earns") and continue.
- Fill in what you know. Only the first few fields are shown; tap More options for the rest.
- Go back. Your changes are kept ("Saved with the account.").
| Section | Fields |
|---|---|
| Account | Account type (Savings, Checking / current, Time deposit, E-wallet, Payroll or Other), Bank or provider, branch, account number, account holder, Joint account, opening date |
| Interest | Annual interest rate (%), Compounding, when interest is credited, what the rate applies to (daily, average daily or minimum monthly balance), and Withholding tax on interest (%) |
| Time deposit | Placement date, Placement amount, Term, Maturity date, On maturity (pay out or roll over), and Remind me before maturity |
| Fees and limits | Minimum balance to earn interest, Maintaining balance, the fee below it, Monthly service fee and Deposit insurance cover |
| Notes | For example, when a promo rate ends |
Bank or provider matters: Drafts from bank alerts uses it to tell which alerts belong to this account.
The overview
Once set up, the account shows an overview:
- Earning about ₱X a month after tax, and the effective annual yield, with an Interest breakdown (before tax, tax withheld, after tax). Estimates assume the balance stays the same.
- For a time deposit: the interest and value at maturity, after tax.
- Warnings such as "Below the ₱10,000.00 maintaining balance" or "₱X over the ₱500,000.00 insured limit".
Tap Edit details to change them, or Remove bank details (balances and transactions stay).
Reminders and insights
- Time deposits: with Remind me before maturity on, you get a notification before the maturity date. After it matures, "Rolled over or withdrawn? Update the details."
- AI insights on Home can mention a maturing deposit, an account below its maintaining balance, or cash sitting in an account that earns nothing while another pays interest.
The full account number stays on your phone. AI sees only the last 4 digits.