How to add transactions
Transactions can enter Worthic through manual entry, automatic bank connections, statement imports, mobile uploads, emailed documents, API submissions, or custom integrations.
A transaction belongs to an account and can carry a reporting line, category, tags, notes, source information, and supporting documents.
Review status is separate from whether a transaction affects the ledger. Once a transaction exists in the account ledger, it contributes to balances and reporting even while awaiting confirmation. A document candidate that has not yet been added to the ledger, or an excluded duplicate, is different.
Confirming an existing ledger transaction changes its review status. Discarding a pending ledger transaction removes its effect on balances and reporting.
On mobile, open Money and select the account, or tap View transactions for the combined view. Both show Scan document, Add transaction and Upload a file.
Adding transactions manually
For an account that supports transactions, choose Add transactions from the Accounts controls and use the manual-entry option.
Enter the cashflow date, amount, description, reporting line, category, and any supporting information required for that account.
If Accrual accounting applies to the selected reporting line and cashflow date, the editor also shows Accrual date and Accrual amount. Review the suggested values and change them where needed.
Open an existing transaction to review or change its details. For an ordinary pending transaction, select Confirm transaction to save your changes and confirm it. Financing linking and unlinking preserve confirmation status, while REST/MCP edits also keep confirmation separate.
A transaction can also be split into components when one movement belongs to several categories or reporting lines. Each component requires its own allocation details, and the signed component total must match the source transaction.
Balance-tracking-only accounts do not use a normal transaction ledger. Their manual flow records an account value adjustment.
On mobile, open Money and select the ledger account. Under Transactions tap Add transaction. Enter the amount, direction, dates and description. Choose a reporting line and category, complete any category-specific fields, and save.
Uploading transaction documents
Documents can be uploaded from account and document areas, through the AI assistant, or from the Worthic mobile app.
When a file is submitted for transaction intake, Worthic analyzes it and extracts transaction rows where possible. Review the results before accepting the proposed account, reporting line, categories, or other details.
Processing happens separately for each document. The upload flow shows which files are complete, still processing, or failed.
You can use Review now for ready files or Review later and return when processing is complete. Closing the upload flow does not stop processing that has already started.
If a file fails, review the displayed error and the source file before trying again. Processing time depends on the file and the work required.
Worthic supports transaction extraction from PDF documents, CSV files, Excel .xlsx workbooks, and supported images such as JPG, PNG, and WebP, including files supplied inside ZIP archives; extraction depends on the document containing readable transaction information.
On mobile, tap Money and select the account. Under Transactions, choose Scan document for a paper statement or Upload a file for an existing file. Follow the upload prompts for that account. Review extracted transactions once processing finishes.
CSV and Excel imports
Structured CSV and Excel files can provide transaction rows such as dates, descriptions, amounts, and category information.
Check that the extracted rows preserve the intended amounts and money-in or money-out direction.
If your file includes categories, compare them with the categories available for the selected reporting line and account type. Worthic assigns an imported category only when it uniquely matches an existing category in the applicable category tree. Unrecognized or ambiguous labels leave the transaction uncategorized for review; the original imported label is retained as source evidence.
Include clear column headers in CSV and Excel files, such as Date, Description, and Amount, or separate Money in and Money out columns. Headers help Worthic identify the transaction information reliably and distinguish it from balances, totals, and other figures. If the columns cannot be identified, you may need to add or clarify the headers before importing again.
Opening and closing balances can help reconciliation, but a CSV without those optional balances does not automatically flag an account-health problem for accounts with their opening balance method set to use statement balances. At least one statement with a balance is required to establish a baseline balance for such accounts.
On mobile, for a structured file, start with Upload a file on the intended account. If its format requires an import template or mapping controls unavailable on your phone, use the web importer.
Account selection and document routing
Starting an import from an account, or from an investment account’s transaction controls, can provide an explicit account context and lock that account during review.
Uploads through Documents, the AI assistant, email, or API do not implicitly lock an account in the same way. Check the proposed destination, especially when the document contains conflicting or incomplete account information.
A recommendation does not file the document by itself; review and confirm the intended action.
For an automatically connected account, Import transactions is unchecked by default in the relevant document review flow. This helps avoid importing transactions that may already arrive through the bank connection. Enable it only when you intend to import the document’s transaction rows. Worthic will still apply deduplication of the imported transactions against the provider-supplied transactions.
On mobile, start from the specific account in Money to supply account context. Start from Documents to send an unassigned file to Inbox review.
Transaction dates
Imported transactions preserve the source’s original posted date as the Ledger date.
The Cashflow date controls the transaction’s cashflow timing and can be adjusted without changing that original source date.
Where Accrual accounting applies, the accrual date and amount control its treatment in accrual-based reporting. These values can follow the cashflow values, use configured rules, or be entered manually.
See Transaction dates and accrual for the accounting-method and effective-date settings.
Supporting attachments
Uploading a file as a transaction or account-record attachment is different from submitting it as a new transaction import.
An attachment provides evidence for the existing record. Where supported and selected, it can also help populate additional transaction details without importing the same cash movement again.
For split transactions:
- General attachments provide supporting information for the transaction group.
- Component attachments belong to a specific split component.
Removing a general attachment does not remove an explicit attachment link belonging to another component.
Optional enrichment can continue in the background. Review the results, and retain or correct the transaction values as appropriate; automatic suggestions should not replace your manual edits.
On mobile, open the transaction and tap Edit transaction. Under attachments choose Scan document, Upload file, or Library. For Library, browse or search and select the document. Check the filename and save the transaction.
Mobile and emailed documents
Mobile uploads use the same intake and review model as web uploads. They are useful for receipts, statements, and other records captured away from the desktop.
Accepted email attachments are routed into the document intake process and can be reviewed in the Document Inbox.
Some submissions are reference-only documents. Those files are stored without transaction analysis and do not create financial activity simply because they were uploaded.
On mobile, open More → Import sources · Email → Compose email to prepare a message addressed to Worthic for the current workspace.
API submissions and custom integrations
API clients can submit files for processing or upload reference documents for filing without extraction.
Depending on their permissions and configuration, clients can also create transactions directly or submit proposed transactions for review. The client’s permission to edit a transaction is separate from its permission to confirm one. See Creating and editing transactions through REST and MCP for more information.
Custom integrations may use statement files, email notifications, exports, API data, or webhooks. Availability depends on the provider’s access methods and the quality of its records.
Automatic bank connections
Supported connections can synchronize available balances and transactions. Investment and liability connections can also supply supported holdings, activity, balances, or loan information.
Incoming records retain their source information and enter Worthic’s review and reconciliation flows.
Bank timing varies. A payment visible at the bank may not yet be available as a posted transaction; unsettled records can remain absent until posting.
Use Repair when an existing connection needs attention rather than creating another connection.
Reviewing imports and duplicates
Document review and transaction review serve different purposes:
- Document import review: Inspect the document, check its destination, and confirm how it should be filed or processed.
- Transactions workbench: Review the extracted or synchronized transaction rows, correct details, confirm pending items, and inspect exclusions.
Worthic checks incoming records for duplicates. In Excluded, use View matching transaction to compare an excluded row with the existing record.
If the exclusion is incorrect, use Not a duplicate to restore the incoming item for review. Similar descriptions or dates alone do not mean two records represent the same movement.
For repeated category assignments, saved rules, and account-wide similar-transaction review, see Transaction rules and bulk review.
On mobile, open Money, select the relevant account and choose Excluded in its transaction filters. Inspect the excluded import. Use Undo exclusion and confirm Restore for review if it should be considered again. Review the restored pending transaction before confirming it.