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Historical balances of an account
Historical balances of an account
Updated over 4 months ago

Q: Why I am not able to see historical balances of my account before the consent date?

A: For accounts that were connected before 7 Aug 2024, you might not see historical balances before the consent date.

However, if you update your consent it will be able to pick up historical balances even before the consent date. The reason being is on 7 Aug 2024, there was an update from our system to support this functionality.


Q: Why the graph has different colours?

A: To help you easily identify your account balance history is all positive, all negative, or both negative and positive at a glance, we use different colours to indicate different type of balance history.


Q: How the historical balance graph is formed?

A: The historical balance graph is formed from an account balance historical data.

  • With credit card and loans, the balances that used to form the graph are your account's current balance of each day or each week in the past.

  • With other account types (bank account, savings, etc.), the balance that used to form the graph are your account's available balance of each day or each week in the past


Q: Why I only see two indicators of the date (and month) on the left and the right of the account balance history graph?

A: For the MVP (Minimum Viable Product) version, we make it as simple as possible. We will improve the date indicators in the full functionality version


Q: How would I read the account balance history graph?

A: The graph gives you different views of your account balance in the past. Depend on how far back you want to go, it can give you daily balances or weekly balances in the past.

  • 1W, 1F, 1M, and 3M give you the view of your daily balances in the past week, past fortnight, past month, and past 3 months respectively.

  • 6M and 1Y give you the view of your weekly balances in the past 6 months and in the past year respectively.

Depends on the view you are in, the single balance is shown when you're tapping the graph can be either daily balances or weekly balances.

When it's the weekly balance for your view, the balance you see is the last balance of the week.


Q: Can I view my balances 15 months ago?

A: No, with this MVP version of the feature, you can only view your balances of 12 months ago.


Q: Why I don't see the list of transactions in this screen anymore?

A: Transactions list is in another screen, you can navigate to the list from the 'View transactions' tab at the bottom of the screen.


Q: What is the small number at the top right corner of the graph, and what is the small number at the bottom left corner of the graph?

A: They are highest and lowest values of your account balance within the view period.

  • The number at top right corner: highest value of your account balance within the view period.

  • The number at bottom left corner: smallest value of your balance within the view period.


Q: What is the small number underneath the big number and the account name, as well as the percentage next to it?

A: The small number underneath the main balance (big number) is the difference between the latest main balance (big number) and the last period's balance.

The percentage is to represent how big the difference is.


Q: How do I read the difference of the latest balance (big number) and the last period's balance?

A: The latest balance is the balance of today. The last period's balance is the balance in the past, from the previous view period. Details as below:

  • For the view as 1W, the comparison is between the current date and the last day of the previous week.

  • For the view as 1F, the comparison is between the current date and the last day of the previous fortnight.

  • For the view as 1M, the comparison is between the current date and the last day of the previous month.

  • For the view as 3M, the comparison is between the current date and the last day of the previous 3 months.

  • For the view as 6M, the comparison is between the current date and the last day of the previous 6 months.

  • For the view as 1Y, the comparison is between the current date and the last day of the previous year.


Q: How do I read the plus sign (+) and minus sign (-) in the different amount and the percentage?

A: In general, plus sign means increase and minus sign means decrease. You need to put it in your context of what account you are viewing.

First, let's talk about the amount:

  • For accounts that the balance is usually positive by nature (bank accounts, savings, etc.) plus sign means your balance is increasing (good), minus sign means your balance is decreasing (not so good).

  • For accounts that the balance is usually negative by nature (credit card, loans) plus sign means your (negative) balance is decreasing (good), minus sign means your (negative) balance is increasing (not so good).

The reason being is, when putting your account in the context of positive balance, the more money you have (in your bank account) the better. Therefore you always want to see your account balance increasing. But when putting your account in the context of negative balance (you owe money to the bank), then the less money you owe, the better. Therefore in this context, you want to see your balance going toward zero (you don't owe any money).

Second, for the percentage, with the context of positive and negative balance in mind, you would be able to figure out when the percentage shows plus or minus, which one represents for good situation or not good situation in your finances. Having said this:

  • For accounts that the balance is usually positive by nature (bank accounts, savings, etc.) plus sign of the percentage means your balance is increasing (good), minus sign means your balance is decreasing (not so good).

  • For accounts that the balance is usually negative by nature (credit card, loans) plus sign of the percentage means your ((negative) balance is increasing (not so good), minus sign means your (negative) balance is decreasing (good).


Q: What is the dotted line in the graph?

A: The dotted line represents zero. It only shows when your account balances hit zero value at some points.


Q: Why sometimes I see the small amount under the graph shows as 'current balance' but sometimes it shows as 'available balance'?

A: That is correct behaviour. Because current balance and available balance sometimes are not in a same amount for your account. Especially when it involves pending transactions, or if you view your mortgage account.

  • If your account is one of these types: bank account, savings, bills, etc. (positive balance type), then the big number on screen is your account's available balance, then the small number under the graph is your account's current balance.

  • If your account is one of these types: credit card, loans (including mortgages). (negative balance type), then the big number on screen is your account's current balance, then the small number under the graph is your account's available balance.


Q: Can I view historical balances of my manual accounts?

A: You can only view historical balances of the cash account, which is the account that you can create manual transactions for. This functionality is currently only available in iOS. We will develop this in Android later.

Other manual accounts (your assets and liabilities) don't have historical balances.


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