# Bank and cash accounts, and moving money between them

> Add your cash and bank accounts with their balances, see how payments and expenses move them, and record a transfer between two accounts.

*Section: Accounting · Updated: 2026-10-19 · Needs the plan feature: accounting*

By the end you will have your cash and your bank account in ArmPOS with their balances, and you will have moved money from one to the other.

> **Note:** Accounts sit under **Accounting**, which comes with some plans only. If **Accounting** isn't in your menu, your plan or your role doesn't include it.

## Your money accounts

An account is a place your money sits: the till's cash, a bank account, a mobile money wallet. When a payment, an expense or a deposit names an account, ArmPOS changes its balance:

- a payment from a customer adds to it,
- a payment to a supplier and an expense take from it,
- a deposit adds to it, and a transfer moves money between two of them.

A payment that names no account changes no balance.

## Add an account

1. **Open [Accounting › List accounts](/app/accounts).**
2. **Click Create.**
3. **Fill the Account num and the Account name.** Both are required. The number is your own reference, such as **ACC-002**, or the bank's account number.
4. **Enter the Initial balance.** What the account holds today. It is required, and it can't be changed later.
5. **Add Details if you like,** then **click Submit.**

![The Create window for an account: Account num ACC-002, Account name Bank account, Initial balance 2000, Details "The shop's current account", and Submit.](https://armpos.online/storage/help/4186a8dbb5-accounts-and-money-transfers-1-create.webp)
*Count the money first: the initial balance can't be edited afterwards.*

![List accounts: Account num, Account name, balance, notes and Action, with ACC-002 Bank account at 1850.00 and ACC-001 Shop cash at 500.00.](https://armpos.online/storage/help/59af64c129-accounts-and-money-transfers-2-list.webp)
*Each balance moves with the payments, expenses, deposits and transfers that name the account.*

The pencil changes an account's number, name or details. The cross deletes it, without checking what used it: keep an account your team has used.

## Move money between accounts

When you take cash to the bank, or bring change from the bank to the till, record a transfer so both balances stay right.

1. **Open [Accounting › Transfers Money](/app/transfer_money).**
2. **Click Create.**
3. **Check the Date and enter the Amount.** Both are required.
4. **Pick the From Account and the To Account.** They must be two different accounts.
5. **Click Submit.** The amount leaves the first account and arrives in the second.

![The Create window for a transfer: Date 19/10/2026, Amount 200, From Account Bank account, To Account Shop cash, and Submit.](https://armpos.online/storage/help/f65bea1ce9-accounts-and-money-transfers-3-transfer.webp)
*From is where the money leaves, To is where it arrives.*

A transfer is refused when the **From Account** doesn't hold enough. Editing a transfer changes only its date and amount; deleting it puts both balances back.

![Transfers Money: Date 2026-10-19, From Account Bank account, To Account Shop cash, Amount 200.00, with Edit and Delete.](https://armpos.online/storage/help/463586ecd9-accounts-and-money-transfers-4-transfers.webp)
*Every transfer stays listed, with the two accounts it moved money between.*

## What's next

Record money that comes in without a sale in [Record income that isn't a sale](/app/help/record-income-deposits).