# Transfers

### What is a transfer?

A transfer is any movement of money between two accounts you own - for example:

* Moving money from checking to savings
* A Stripe or PayPal payout landing in your bank account
* Paying your credit card bill from your checking account

When both accounts are connected to Kick, each side shows up as a separate transaction. Kick needs to link them together so the movement is recorded as a transfer, not as income on one side and an expense on the other.

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### How Kick handles transfers automatically

Kick looks for matching transactions across your accounts and links them automatically. When a match is found, both sides are categorized as a transfer and the movement nets to zero - so it doesn't inflate your income or expenses.

For [payment processors](/integrations/payment-processors.md) like Stripe and PayPal, Kick's direct integrations handle this automatically.

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### When transfers need your attention

If Kick can't find a confident match, it surfaces a suggested match on the transaction. You can accept or dismiss it from the transaction detail panel.

If a transaction is categorized as a transfer but has no match, it usually means:

* The other account isn't connected to Kick yet
* The category on the other side needs to be updated

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### Match a transfer manually

1. Click the transaction to open the details panel  
2. Click **Match**  
3. Select the corresponding transaction on the other account

To unmatch, open the transaction and click **Unmatch**.

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### Credit card payments

Paying your credit card from your bank account is a common transfer. The outflow from your bank and the payment recorded on your credit card should be matched together. Kick usually handles this automatically - if it doesn't, use the manual match above.

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### Automate with Rules

For transfers that follow a predictable pattern - like a Stripe payout always landing in the same bank account - you can create a Transfer Rule to match them automatically.

→ [Rules](/common-workflows/rules.md)