--- id: "cash-and-bank-accounts" lang: "en" title: "Cash and bank accounts (Expert)" summary: "Keep one account for each till, bank and card, with a live balance, and move money between them. Available in Expert accounting." area: "Money & accounting" kind: "task" url: "https://zeropos.shop/help/cash-and-bank-accounts" alternate: "https://zeropos.shop/help/cash-and-bank-accounts?lang=es" markdown: "https://zeropos.shop/help/md/en/cash-and-bank-accounts.md" screens: ["/backoffice/settings/accounts","/reports/accounting/transfers"] where_to_find: ["INSIGHTS › Accounting › Cash & bank accounts","INSIGHTS › Accounting › Transfers"] related: ["simple-or-expert","payment-methods","accounting-overview","log-an-expense","transfer-stock"] updated: "2026-10-07" --- # Cash and bank accounts (Expert) Keep one account for each till, bank and card, with a live balance, and move money between them. Available in Expert accounting. Each account (a ledger) has a **Live balance** that moves with every sale, refund, expense and supplier payment posted to it. **Total holdings** adds them all up. Where to find it: INSIGHTS › Accounting › Cash & bank accounts; INSIGHTS › Accounting › Transfers. ## Before you start - Your shop runs Expert accounting ([Simple or Expert accounting](https://zeropos.shop/help/simple-or-expert)). - Have each account's balance on the day you start, from your statement or a cash count. - Moving money needs the transfer permission: owners, administrators and managers by default. Adding accounts and adjusting balances are for owners and administrators. ## Steps ### Add an account 1. Open [INSIGHTS › Accounting › Cash & bank accounts](https://app.zeropos.shop/backoffice/settings/accounts) and tap **New account**. 2. Type a **Name**, such as HSBC current, and a short **Code**. 3. Pick the **Type** (**Bank account**, **Wise**, **Cash till**, **Company card** or **Other**) and check the **Currency**. 4. Pick its **Region**, or **Company-wide** if every shop shares it. 5. Type the **Opening balance**: what is in it today. 6. Tap **Save**, then point each payment method at its account ([Add a payment method](https://zeropos.shop/help/payment-methods)). ### Move money between accounts 7. Tap **Transfer**, or **New transfer** on [INSIGHTS › Accounting › Transfers](https://app.zeropos.shop/reports/accounting/transfers). 8. Pick **From** and **To**, then type the **Amount** and the **Date**. 9. Add a **Note (optional)**, such as Cash deposit, and tap **Transfer**. 10. Check the result: the transfer is listed on [INSIGHTS › Accounting › Transfers](https://app.zeropos.shop/reports/accounting/transfers), and **Live balance** changes on both accounts. ### Correct a balance 11. Tap **Adjust** on the account's row. 12. Type the **Amount**: positive adds money, negative removes it. 13. Type the **Reason**, such as Bank interest, and tap **Post adjustment**. ## What happens next - **Live balance** starts from the opening balance and moves with every sale, refund, expense, supplier payment, card fee, transfer and adjustment on that account. - A transfer changes both accounts at once and never counts as income or an expense. - Every adjustment is kept in the activity history with its reason. **Total holdings** and the Accounting overview update straight away ([Read the Accounting overview](https://zeropos.shop/help/accounting-overview)). ## Change or delete a transfer On [INSIGHTS › Accounting › Transfers](https://app.zeropos.shop/reports/accounting/transfers), tap **Edit transfer** on its row. Both accounts change together. **Delete transfer** puts both accounts back as they were. It can't be undone. The same screen lists adjustments and opening balances too; filter by **Type**, **Account** or dates. It opens on the last 90 days: change **From** and **To** at the top to look further back. ## What never goes to an account Store credit and gift-card payments bring no new money in, so they are never posted to an account. Payroll runs don't post either: log the wages you paid as an expense ([Record an expense (including wages you paid)](https://zeropos.shop/help/log-an-expense)). ## An account you no longer use Tap **Archive**: the account and its history stay, out of the way. **Restore** brings it back. ## Common questions ### Is this the same as moving stock between shops? No. This moves money between accounts. Moving products between locations is [Move stock between shops](https://zeropos.shop/help/transfer-stock). ### A balance doesn't match my statement. Check that every payment method points at an account and has its card fees set ([Add a payment method](https://zeropos.shop/help/payment-methods)). Then use **Adjust**, with the reason, for any difference left. ### I switched to Expert after months of trading. Can past sales count? Yes. **Backfill balances** replays past sales and expenses into the balances. It is safe to run more than once. By default only the owner and administrators can. ### Can I change an opening balance later? No, it is set when the account is created. Correct it with **Adjust**. ## If you see this - “**Pick two different accounts.**” — What to do: Choose a different account under **To**. - “**You need at least two accounts to make a transfer.**” — What to do: Add a second account with **New account**. - “**This transfer is too old to edit here. Correct it with an adjustment on each account.**” — What to do: Some older transfers can't be changed here. Use **Adjust** on both accounts, one positive and one negative, with the same reason. ## Good to know - Taking cash from the till to the bank is a transfer, not an expense: it moves money without spending it. ## Related guides - [Simple or Expert accounting](https://zeropos.shop/help/md/en/simple-or-expert.md) - [Add a payment method](https://zeropos.shop/help/md/en/payment-methods.md) - [Read the Accounting overview](https://zeropos.shop/help/md/en/accounting-overview.md) - [Record an expense (including wages you paid)](https://zeropos.shop/help/md/en/log-an-expense.md) - [Move stock between shops](https://zeropos.shop/help/md/en/transfer-stock.md)