How to manage your accounts

Aggregated Accounts

Aggregated accounts are connected through either the CDR (Open Banking) method or the screen-scraping method.

• CDR accounts sync in real-time.

• Screen-scraping accounts sync periodically.

Superannuation accounts typically update less frequently (a few times per week or month), as balances don’t change daily.

Account Balances

There are two common balance types:

• Available balance – shows the spending capacity of an account.

• Current balance – reflects the account’s actual position at a given time.
  These two balances don’t always match.

User Controls

With aggregated accounts, users can:

• Manage consent: Select which accounts to share during setup or update choices later.

• Edit account details: Change the nickname or account type in Frollo (this doesn’t affect the bank’s system).

• Include/exclude accounts: Decide whether to show an account in:

  • Cashflow (spending and income tracking)

  • Budgets and Bills features

Note: Mortgage and loan accounts are excluded from Cashflow by default but can be included via Cashflow settings > Filters > Accounts.

Account Information

Extra account details are available only for CDR-connected accounts. These are updated periodically and depend on the bank’s data.

Excluded accounts will not appear in Cashflow.

Manual Accounts

Manual accounts are created and managed directly by users. They do not sync automatically.

• Currently, they appear only in Net Worth (not in the main Accounts area).

• Users can create manual accounts for assets, liabilities, or cash.

• Balances must be updated manually.

Limitations of Manual Accounts

• They do not appear in Cashflow.

• They are not included in the Financial Passport.

👉 This distinction gives users flexibility: Aggregated accounts provide live, synced data, while manual accounts let users track other assets or liabilities that aren’t available through CDR or screen-scraping.