Accounts, cards, and transactions

Clatri's financial layer covers everything from logging a coffee to tracking investments and debts. It all starts with your accounts and cards.

Bank accounts

An account in Clatri represents anywhere you hold money: a checking account, a savings account, cash on hand, a digital wallet, or any other instrument. Each account has a currency, a balance, and optionally associated bank info.

You can create accounts two ways:

From chat — tell the agent "I have a Bancolombia account in pesos with 2 million" and it creates it
From the UI — in the Money dashboard, the create-account button takes you to a form where you set name, type, currency, country, and starting balance

Available types:

Type	Typical use
Checking account	Day-to-day bank accounts
Savings account	Bank savings accounts
Cash	Physical money in hand
Digital wallet	Nequi, Daviplata, PayPal, Venmo, Cash App, Mercado Pago
Other	Any other instrument

Each account can have savings pockets inside it — named savings goals with target amount and transfers from the main balance. You can see the available balance and the total in the bank (available + savings) separately.

The Money dashboard

The first thing you see when you open the Money tab is an overall summary of your financial situation:

Total balance — your consolidated balance in the main currency, with breakdown by currency if you handle several. Includes a period selector (week, month, year) and a summary of how much you spent and received in that period
Net worth — breakdown across liquid assets, investments, physical assets, debts, and receivables
Trends — historical charts comparing income vs. expenses, assets vs. liabilities, and balance vs. net worth over time
View mode — toggle between accrued view (all transactions in the period) and cash flow (net inflows and outflows)

Below the summary comes the list of accounts, organized in tabs: Available (checking, savings, cash, wallet) and Credit (credit cards). If you handle multiple currencies, a filter lets you view totals per currency. Each account shows its balance, associated cards, and savings pockets.

When you enter an account, you see two tabs: Info (account data, monthly spending and income stats with a 6-month chart, and the open-banking section if applicable) and Transactions (movement history with search).

Cards

Clatri handles debit and credit cards as payment instruments associated with an account. Debit cards link to an account and operate on that account's balance. Credit cards have their own credit limit and track debt independently.

When creating a card you set: name, type (debit/credit), brand (Visa, Mastercard, Amex, Discover), last 4 digits, custom color, and the account it's associated with. For credit cards you also configure: credit limit, statement-close day, payment due day, and interest rate.

Multi-currency debt

If you use a credit card in multiple currencies — for example, purchases in USD and EUR during a trip — Clatri tracks debt per currency separately. The card detail screen groups transactions by currency and shows the amount owed in each.

Logging expenses and incomes

There are three ways for your transactions to enter Clatri, and you can mix them as you like.

By chat

The most direct way. You talk to the agent and it handles it:

"I spent 45k on groceries today, from the Bancolombia account"
"3 million income from a design project, to main account"
"Log: lunch 28k, Uber 12k, coffee 8k, all today, Visa card" — batch logging, several transactions at once

The agent assigns category, account, date, and any detail it can infer from context. If it lacks info, it asks.

By bank statements

You upload the statement (PDF, Excel, CSV, or screenshot) to chat and the Statement Expert reads it, detects duplicates, detects internal transfers between your accounts, suggests counterparts and expense groups based on your contact directory, and leaves you an editable staging area you approve before anything is recorded.

It covers account statements (monthly / quarterly) and credit card statements (after the statement-close date). If your bank has particular conventions — contact aliases, weird labels, non-standard format — you code them once in the per-entity statement instructions and the agent applies them on every import.

The full process detail, per-entity instructions, and all smart features are in Statement processing.

By bank integration (open banking)

You connect your bank directly via Plaid (today available for the US and Canada; UK and Europe queued) and transactions arrive automatically via webhook. Each transaction goes through the same duplicate, internal-transfer, and association engine as statements.

Full detail, regional coverage, credit cost, and Latam roadmap in Open banking.

Recurring payments

A recurring payment is any charge or income that repeats at a predictable frequency: subscriptions, utilities, rent, salary, interest. Clatri records them as separate entities from individual transactions.

Each recurring payment has:

Type: expense or income
Frequency: daily, weekly, biweekly, monthly, quarterly, or yearly
Payment day: when the charge or deposit is expected
Associated account or card
Amount: fixed or variable (if the amount changes each period)
Status: active, paused, canceled, or completed

Alignment with statements and integrations

When you import a statement or sync via Plaid, the duplicate detection system takes your recurring payments into account. If you have a monthly Netflix payment of $15.99 registered and a $15.99 Netflix transaction shows up in your statement, the system identifies it as the same movement and avoids duplicating.

That means you can keep your recurring payments as a reference of what you expect to spend or receive each month, and when the real transactions arrive — by statement or integration — they reconcile automatically.

Transfers between accounts

You can move money between your accounts: "transfer 500k from Bancolombia to Nequi". The transfer reduces the source account's balance and increases the destination's. It's not recorded as expense or income — it's an internal movement that doesn't affect your net worth.

If the accounts are in different currencies, the system asks for the exchange rate for the conversion.

Counterparts

Counterparts are the contacts linked to your transactions. You can associate an expense, income, obligation, or recurring payment with someone and later ask questions about that relationship:

"How much did I spend on mom this month?"
"How much does Juan owe me?"
"Show me all transactions with the coffee supplier"

Each counterpart is a contact from your directory — a person or a company. The role it plays in a specific transaction (a client who paid you, a vendor you bought from, a lender on an obligation, etc.) is inferred from context and from the contact's free-text relation field; you don't need to categorize them upfront.

The counterpart detail screen has two tabs: History (all transactions with that contact, with period filter) and Analytics (breakdown by category of how much you've spent or received from that contact). You can mark counterparts as favorites for quick access.

Counterparts feed from Clatri's contact directory — the same contact can appear as a Money counterpart and as a task assignee in Administration without being duplicated.

Expense groups

An expense group bundles transactions that belong to the same purpose: a trip, an event, a renovation, a project. Each expense can belong to only one group.

Each group has a name, emoji, description, and an optional budget. The detail screen shows two tabs: History (transaction list with amounts and dates) and Top categories (bar chart with the percentage breakdown by category inside the group). If you set a budget, you see a progress bar with a warning when you go over.

Groups can be open (accepting transactions) or closed (when the event ended — transactions stay there but you can't add new ones). You can also link counterparts to a group to identify the contacts involved — for example, the friends who went on the trip.

If you're planning a trip, you can create a "Japan trip" group, associate all related expenses — flights, hotels, meals, transport — link your companions as counterparts, and have a clear view of how much the trip cost, in what categories, and how much you spent per contact.

Bank accounts​

The Money dashboard​

Cards​

Multi-currency debt​

Logging expenses and incomes​

By chat​

By bank statements​

By bank integration (open banking)​

Recurring payments​

Alignment with statements and integrations​

Transfers between accounts​

Categories​

Counterparts​

Expense groups​