Review
Card payoffs and transfers
Why a card bill paid from your bank account is not counted twice, and how to check, undo or mark a card payoff yourself.
Updated: 2026-09-17
Before you start
- Statements uploaded from your bank account and from the card or wallet it pays
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Why a card bill could count twice
When you pay a credit card bill from your bank account, the same money shows up on two statements. The card statement lists each purchase. The bank statement lists one lump-sum payment to the card. If both were counted, that spending would be counted twice.
The same happens when you top up a wallet such as Revolut, PayPal or Wise from your bank account. The purchases are your real spending. The payment only moves money between your own accounts.
What "Card payoff" means
A row tagged Card payoff is a payment that numwisely matched to the card or wallet it paid. The bank payment and the card's own "Payment received" or top-up line both move to the "transfers" category. They stay in Review with a struck-through amount, but they are left out of totals, Insights and the figures the AI assistant uses. Nothing is deleted.
Matching works across personal and business. A business card paid from your personal bank account is still matched.
Sure matches happen automatically, unsure ones ask
After every upload, numwisely looks for bank payments that name one of your cards or wallets, by its last four digits or its issuer's name. It then looks for the same amount arriving on that card or wallet between 3 days before and 7 days after the payment. Only accounts recognised from your statements are matched, so upload the statements of both accounts.
- Sure: the payment names the card, the card statement shows it arriving, and the purchases it paid for are uploaded. The match is applied straight away. A banner in Review shows how many payments were matched and lets you undo them all.
- Likely: for example, the payment shows the card's digits but the card statement does not show it arriving. The row is tagged "Card payoff?" and keeps counting until you answer.
- A card's own "Payment received" line is never counted as income, even before you upload the bank statement.
- A description that only mentions a card brand, such as "AMEX TRAVEL", is not treated as a card payoff on its own.
- If you have two cards from the same issuer and the payment shows no card digits, numwisely picks the card whose purchases for that bill are uploaded, then the card used on the same side, personal or business, as the account that paid. If both still fit, it does not guess.
A payment keeps counting until its purchases are uploaded
A card payoff is only left out of totals when the purchases it paid for are in numwisely. For a card, the card statement must reach back at least 30 days before the payment and include purchases from the two months before it. For a wallet, there must be wallet purchases within a month of the top-up, on a statement that reaches the top-up date.
If that statement is missing, the payment keeps counting and the row shows a hint, for example "Card bill for Amex — upload that statement to see what it paid for". Upload the missing statement and the payment is checked again.
Payments in another currency
When the bank account and the card use the same currency, the two amounts must match to the cent.
When they use different currencies, both amounts are converted to your default currency at the European Central Bank reference rate of each transaction's own date. On weekends and bank holidays, the most recent earlier rate is used. Card issuers add a mark-up when they convert, so the amounts count as matching when they differ by no more than 3% of the larger amount or 2.00 in your default currency, whichever is larger. The difference is shown with the match.
Check, confirm or undo a match
Select a Card payoff tag, or select Card payoffs at the top of Review, to see each match and the evidence behind it.
- For a likely match, choose "Yes, it's a card payoff" to leave it out of totals, or "No, count it" to keep counting it.
- For a payment that still counts because its purchases are missing, choose "It's a card payoff" if you already know it is one.
- To undo a match, choose "Undo — count it again". Both rows go back to the category they had before. On the banner after an upload, "Undo all" undoes every match from that upload.
- Your answers are remembered for similar payments to the same card or wallet.
- Changing the category of a matched row, for example with bulk edit, also undoes its match.
- To hide these rows from the list, turn on "Hide not counted" at the top of Review. They are never included in totals either way.
- When several payments need an answer, "Yes to all" confirms them together.
- "Look again" checks everything you have already uploaded, for example after you upload a missing card statement.
Mark a payment as a card payoff yourself
If numwisely did not match a payment, you can mark it. It is then left out of totals, and your answer is remembered for similar payments.
- Select the category of the expense row.
- Under "Card payoff to", choose the card or wallet the payment went to.
- The list shows the cards and wallets recognised from your statements and the labels you created yourself, except the account that paid the row itself.
Every "transfers" row is left out of totals
Totals, Insights and the AI assistant leave out every row in the "transfers" category, whether numwisely matched it or you chose the category yourself. Use "transfers" only for money moved between your own accounts.
Ask the AI assistant
The AI assistant can answer questions about Paid with and card payoffs, for example why a payment is not counted or how much you spent with each account. When you ask, it can also set Paid with, create or rename labels, and mark, confirm or undo card payoffs. Every change is shown to you for confirmation first and can be undone.
Common mistakes
Unexpected results usually come from one of these:
- Uploading only the bank statement: the card payment keeps counting, because the purchases it paid for are not uploaded. Upload the card statement for the same period.
- Putting a real purchase in "transfers": it disappears from your totals. Choose a spending category instead.
- Expecting a client payment on your bank account to be matched: a "Payment received" line on a bank account is always real income and is never matched.
- Choosing "No, count it" by mistake: mark the payment yourself from its category.