This is not a question, or at least it is but I think I have found a way to deal with debit cards.

Here is my case :

- A bank account with a bank statement

- A debit card with a debit card statement

The whole debit card amount is on the statement of the next month's bank statement.

Say in january you pay a restaurant 10, some gasoline 20, and a toll bridge 30.

These amounts (10+20+30=60 of january), 60 appears as one "Debit card" line in the february bank statement on the 10th of Feb.

If I include each Debit card line in my bank statement, dates are wrong, or I have to wait the next month to deal with it. If I import my debit card statement in my bank journal, my opening and closing balances are false.

Here is my solution, if I'm wrong doing tell me.

1) In COA create a (waiting) account for the debit card (in France 467xxx-type=Short-term liabilities)

2) Create a bank Journal for the debit card

3) Import the debit card statement in this journal

You can reconcile your debit card statement lines from day to day, either with payments or invoices.

On the 10th of the next month...

A) Do an internal transfer from bank journal to debit card journal (bank pays the debit card).

B) Add a line to your debit card statement to finalize it, i.e. if total of debit card lines are -250, add a line of +250.

Then you can reconcile your bank statement 'Debit card' line with the bank move of the internal transfer and reconcile your added positive line of the debit card statement with debit card move of the internal transfer.

Result is your bank account in GL is not polluted by the debit card until it is really debited and you can see on the dashboard what will be the card amount for the next month. On the accounting side, 467xxx is at the end balanced.

If any one sees something wrong , let them speak now, or they can forever hold their peace :-)

Hope this helps

Regards

Vart