Why do internal transfers mess up your budget?
An internal transfer is an operation that moves money between your own bank accounts — e.g., from a checking account to a savings account. It's not spending, just moving money around. Most finance apps don't distinguish these from real expenses.
If you have multiple bank accounts, even regular transfers between them can inflate your monthly costs by hundreds. Where is my money going? Often nowhere — you're just moving it between accounts.
Martia automatically detects when a transfer goes between your own accounts and flags it as an internal transfer. These amounts don't count toward spending, don't skew statistics, and don't appear in expense charts.
How does Martia detect transfers between your accounts?
The system compares sender and recipient IBANs against your connected accounts. If both belong to you — the transaction is automatically flagged as an internal transfer. This works for cross-bank transfers as well as transfers within the same bank.
We also handle prepaid card top-ups (e.g., Revolut top-up) as internal transfers when the destination account is connected in Martia. This way, automatic expense tracking shows real costs, not just money being moved around. As of February 2026.
Întrebări frecvente
Yes, if your Revolut account is connected in Martia. The system recognizes that topping up a prepaid card is moving money between your own accounts, not spending.
Transfers to unconnected accounts will be treated as regular expenses. For 100% accurate detection, connect all your bank accounts.
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