> ## Documentation Index
> Fetch the complete documentation index at: https://redbark.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Money

> See a client's bank accounts and statement balances in one place, and how bank connections start, refresh and end.

The **Money** tab on a client shows every account Advisor knows about, with balances and how they change over time. Accounts arrive in two ways:

* The client connects a bank in their portal.
* A statement is read from a document and you approve it.

## How clients connect a bank

Only the client connects a bank. Your firm never holds the bank consent and never sees the client's bank password.

Banks are connected through Open Banking under Australia's Consumer Data Right (CDR). Any Australian bank that takes part in the CDR can be connected. Access is read-only.

**1. Ask for bank connections**

Add a **Connect banks** item to a [checklist](https://redbark.com/docs/advisor/checklists.md). From an empty Money tab you can also select **Request bank connections**.

**2. The client chooses a bank**

In their [portal](https://redbark.com/docs/advisor/client-portal.md), the client searches for their bank and selects **Connect**. If no bank in the list matches, **Choose at your bank** lets them pick it on the consent screen.

**3. The client gives consent**

The client is taken to a secure consent screen, signs in with their bank, and chooses what to share.

**4. Accounts arrive**

The client returns to the portal. Their accounts and today's balances appear straight away, and the Connect banks item is marked done.

* Up to 24 months of transaction history loads in the background.
* A line such as "Anna connected CommBank" is posted in the client's [messages](https://redbark.com/docs/advisor/messages.md).
* The client can connect more banks later from **Accounts** with **Connect another bank**.

## The Money tab

At the top, a chart shows the client's position over time. Choose:

* **Measure**: **Net position**, **Assets** or **Debts**.
* **Accounts**: **All accounts** or one type of account.
* **Period**: **30 days**, **3 months**, **6 months**, **12 months** or **All time**.

The line starts once there is a week of balances. The time of the latest bank refresh shows beside the filters.

Below the chart, accounts are listed under their type:

| Group | Accounts |
| - | - |
| **Cash** | Transaction and savings |
| **Investments** | Shares and investment |
| **Super** | Super |
| **Other** | Anything else |
| **Credit cards** | Credit cards |
| **Loans** | Loans and home loans |

Each row shows the account name, institution and type, the masked number and the balance. Each group shows its total and its change over the period. Select a group to fold it away.

The **Summary** at the right breaks down the client's assets and debts, as **Totals** or **Percent**, with the **Net position** below.

## The account panel

Select an account to open its panel. It shows:

* The **Balance** and the date it is **As at**.
* The account number (masked), **Kind**, **Institution** and **Source**.
* **Shared until**: the date the client's consent ends, for a connected bank.
* **Balance history**: one balance a month for a connected bank, or each statement's balance for an account from documents.
* **Statements** read for the account, with **View** to open each one.

For a connected bank, the **...** menu has **Refresh now** and **Disconnect**.

## Balances from documents

When Advisor reads a bank, credit card, loan or super statement, it matches the statement to an account by institution and last four digits. If there is no match, it adds a new account from the document.

The statement's balance is proposed, not accepted:

* The account shows **To check** and is left out of the summary.
* The **To check** list in the Summary lists every account waiting on you. Select **Check balance** to open it.
* Approving the document in the [viewer](https://redbark.com/docs/advisor/documents.md#checking-values) also accepts its balance.

In the account panel you can:

* Select **Accept balance**.
* Select **Edit values** to correct the institution, account name, last four digits, balance or date. A changed balance counts as accepted.
* Select **Open statement** to see the document.

> [!NOTE]
>
> A statement for an account the client has connected is read but never changes it. The bank's balances stand.

## Refreshes

* Advisor refreshes connected banks automatically. A connection is refreshed at least every 6 hours.
* Select **Refresh now** in the account panel to refresh straight away. If there's nothing new, you'll see **Nothing to refresh right now**.
* Archived clients are not refreshed.

## When a connection ends

A connection ends when:

* The client selects **Stop sharing** on the bank in their portal's **Accounts** page.
* Someone in your firm selects **Disconnect** in the account panel.
* The client's consent expires or is withdrawn outside Advisor.

When it ends:

* The client's consent is withdrawn.
* The accounts, balances and transactions from that bank are deleted straight away.
* A line is posted in the client's messages.
* The client can connect the bank again from their portal at any time.

> [!TIP]
>
> Reports already made from the bank's data are kept. See [Reports](https://redbark.com/docs/advisor/reports.md).


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