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Labelling transactions
Not every bank transaction has a corresponding accounting record. Cash withdrawals, private deposits, bank charges, and personal loans all appear on your statement but may not have a receipt or invoice. Labels tell Amaniq what these transactions are without requiring a matching record.
How to label a transaction
- Expand an Unmatched transaction.
- Click Label.
- Select the appropriate label from the list.
- Click Save.
The transaction is now classified and moves out of the Unmatched pile.
Available labels
| Label | When to use |
|---|---|
| Cash withdrawal | You withdrew cash from the account for business use |
| M-Pesa payment | A mobile money payment that doesn't correspond to a saved receipt |
| Airtel Money payment | Same, but via Airtel |
| Private loan (deposit) | You deposited personal funds into the business account |
| Bank fee | Bank charges, maintenance fees, transfer fees |
| Tax payment | A TRA payment (PAYE remittance, SDL, VAT) you already filed separately |
Private loans and deposits
Private deposits are a special case. If you transfer personal money into the business account — to cover a cash-flow gap or fund an asset purchase — that money is not income. It is a loan from you (the founder) to the business.
When you label a deposit as Private loan, it appears in the 💜 Founder Claims report under Section A. This report is designed as a lawyer-facing document: it shows all money you have put into the business that the business needs to repay you. If you ever sell the company or wind it down, this document helps you recover what you are owed.
Bank fees
Labelling bank fees as Bank fee excludes them from your income/expense analytics but keeps them visible in reconciliation. Bank fees are already booked as expenses by most bank statement parsers — labelling them prevents double-counting.
FX internal transfers
If you transfer money between your TZS and USD accounts (an internal currency conversion), Amaniq detects the linked transfer pair and marks both sides as FX Internal Transfer automatically. You do not need to label these manually.