A manual account is one you maintain yourself — cash, a credit card from a bank we don’t support yet, a brokerage line, a friend who owes you money. Balances update only when you say so.

Manual accounts are created through the same Add Bank flow as connected ones. You pick the bank first, then choose to enter it manually.

If the bank is already in your list, you do not need to go through Add Bank again. On Banks, open the ⋮ menu on that bank’s row and choose Add Account. The same form opens, already attached to that bank.

The bank list is curated per country, so a small or regional institution may not appear yet. Get in touch and we’ll add it — that is usually a quick change on our side, and once it is there you can create the account manually straight away.

On the free plan, the currency dropdown is locked to your default currency — the one you picked at signup. You’ll see the message “Currency is locked to your default.” next to the field. To unlock other currencies, upgrade your plan; the app surfaces an upgrade dialog when you try to change it.

Paid users can mix any combination of currencies across accounts; Finthy converts to your default for the dashboard total.

When you add, edit, or delete a manual transaction, the modals offer an Update account balance toggle. Leaving it on keeps the account total in sync automatically; turning it off lets you set the balance by hand. See Recording manual payments for details.