Track your upcoming financial activity and plan ahead with confidence using Expected Transactions. This feature displays a list of potential transactions due to happen in the next 90 days based on your account activity.
You can anticipate outgoing and incoming transactions, identify when cash might be low or high, and adjust your spending accordingly. Visualize future transactions on a chart and know your approximate cash flow on any given day within the 90-day period.
This feature is available to all Qonto users on every plan, accessible on both 💻 web and 📱 mobile.
Which types of transactions can I see in my expected transactions?
Your expected transactions list can include multiple types of upcoming financial activity to give you a complete picture of your cash flow.
Currently, the following transaction types appear in your expected transactions:
- Supplier invoices: Unpaid bills from your suppliers with upcoming due dates
- Client invoices: Outstanding invoices you've sent to clients
- Transfers: Scheduled transfers you've set up in your account
- Predicted transactions: Regular payments Qonto identifies based on your transaction history
- Outgoing direct debits: Recurring payments authorized through direct debit mandates
- Manually added transactions: Transactions you've added yourself to track expected payments
- Pay later installments: Scheduled installments from Qonto's Pay Later feature
Each transaction type contributes to your overall cash flow forecast, helping you understand both money coming in and going out. The list updates automatically as new transactions are scheduled or predicted, giving you a real-time view of your expected financial activity.
What are predicted transactions and how accurate are they?
Predicted transactions are Qonto's intelligent forecasts based on your regular payment patterns. The system analyzes your transaction history to identify recurring payments and automatically adds them to your expected transactions list.
For example, if you pay monthly for a software subscription or receive regular client payments, Qonto will detect this pattern and predict when the next payment will occur. This automation saves you time and helps ensure you don't overlook regular expenses or income.
It's important to understand that predicted transactions are estimates, not confirmed payments. They don't equal scheduled transactions and aren't linked to actual future transactions. The accuracy of predictions may vary depending on how consistent your payment patterns are.
If you see an incorrect predicted transaction in your list, you can simply remove it. The system learns from your account activity over time, so prediction accuracy generally improves as Qonto gathers more data about your payment patterns.
How do I add an upcoming transaction manually?
If you know a specific transaction will happen in the next 90 days but don't see it displayed automatically, you can add it manually to keep your forecast complete.
On mobile 📱:
- Open the Menu > Cash flow section > Expected Transactions or from Transactions section > click on ****the Expected widget
- Click the + button
- Enter the transaction amount
- Set the expected date
- Configure a recurrence rule if the transaction repeats (optional)
- Save the transaction
On web 💻:
- Open the Cash flow section > Expected Transactions
- Click the + Add transaction button
- Enter the transaction amount
- Set the expected date
- Configure a recurrence rule if the transaction repeats (optional)
- Save the transaction
Manually added transactions will appear in your list alongside automatically detected ones and contribute to your overall cash flow forecast. You can edit or remove these transactions at any time if your plans change.
What are overdue transactions and how do I manage them?
Overdue transactions are expected payments that haven't been completed by their due date. When a manually added transaction or an invoice passes its due date without being paid, it automatically moves to the Overdue status.
Use the overdue list to track transactions that need attention and may require action from your side. This helps you stay on top of unpaid supplier invoices, missed client payments, or other transactions that slipped through.
On mobile 📱: View all overdue transactions in the Overdue tab within the Expected Transactions section.
On web 💻: Click the Show overdue filter to display all overdue transactions.
To remove a transaction from the overdue list, you have several options:
- Reschedule it: Change the due date to a future date if payment is delayed
- Mark it as paid: Confirm the transaction has been completed
- Remove it: Delete it from your list if it's no longer relevant
Transactions are automatically removed from overdue 90 days after their original due date. This prevents your overdue list from accumulating old, irrelevant items indefinitely.
Can I remove transactions from my expected list?
Yes, most types of transactions can be removed from the expected list if you no longer need to see them in your forecast.
☝️ Important: Removing a transaction from expected doesn't necessarily prevent it from happening. For example, removing a scheduled transfer from expected would not cancel the transfer itself—it would only make it invisible in the expected transactions list. The transfer would still execute as scheduled.
You can remove the following transaction types:
- Supplier invoices
- Client invoices
- Transfers
- Predicted transactions
- Outgoing direct debits
- Manually added transactions
Pay later installments cannot be removed from expected transactions. These installments are scheduled automatically when you use the Pay Later feature and must remain visible to ensure you're aware of upcoming payment obligations.
If you accidentally remove a transaction, you can add it back manually or wait for the system to detect it again (for predicted transactions). For scheduled transactions like transfers, they'll continue to appear in their respective sections even if removed from expected transactions.