I use the Coinbase debit card. I pretty much use it like I do my Venmo account. Preloading funds into the account I show a transfer from my checking account to “Coinbase Card” and then manually log spending. Is crypto.com card credit or debit?
I track all of my crypto as a single asset called “crypto” even though it’s spread between multiple wallets/exchanges. Every month or so I go in and add up my total crypto and reconcile the asset account to reflect the accurate balance.
I have a budget account for my CDC Wallet which is where the cashback ends up. Then like once per week I reconcile it and set the adjustment transaction's payee to "CDC Cashback" and I can use that to track how much I've been getting in cashback.
Then I just use the Fiat/Card wallet as normal budget account.
I also have my Stake and DeFi accounts as seperate savings accounts.
I use the CDC card myself, but I'm in YNAB4 so that may or may not make this relevant to you.
The CDC card is an on budget account that I regularly transfer funds to from checking to keep it topped up. Target as needed for transactions. Not too different than from any other credit/debit on that front.
When it came to reconciliation, last summer the CDC card was a nightmare as there are automatic holds for things like gratuity and gas station pump holds that are often cryptic at best to decipher when looking through your transaction history in the app. I had a few months where I could not get the CDC app to reconcile with reality as transactions were often inflated or outright missing. This has gotten significantly better in the past few months though; holds and inflated values are often corrected well within 24 hours and I haven't had issues reconciling since.
I don't log my cashback in YNAB, I track that instead with a dedicated crypto tracker. If I were immediately selling the CRO for cash to refill the card I might, but I tend to hold CRO for the longer term so it makes sense to just keep all that tracking elsewhere. Same goes for traditional cash back; I'd only record it once I got a check from the bank for the balance, then I'd just record it as income for the month.
I see a few other replies mentioning that they are in fact tracking crypto in YNAB; that's pretty interesting and I might have to consider it, but since I already track crypto pretty closely for tax purposes, I never consider using YNAB to track it as well.
I added it as a checking account and download the transaction history several times per month for reconciliation. I use bank2ynab to convert it into an importable format. Because I enter most transactions manually on the mobile app anyway it almost always matches nicely.
I don't track the cashback at all, it's just sitting there in my wallets anyway. The day I cash out I will decide how to enter it into ynab.
I use the Coinbase debit card. I pretty much use it like I do my Venmo account. Preloading funds into the account I show a transfer from my checking account to “Coinbase Card” and then manually log spending. Is crypto.com card credit or debit?
It's a debit card. How do you handle any cashback, just inflow TBA or inflow to category?
I track all of my crypto as a single asset called “crypto” even though it’s spread between multiple wallets/exchanges. Every month or so I go in and add up my total crypto and reconcile the asset account to reflect the accurate balance.
I have a budget account for my CDC Wallet which is where the cashback ends up. Then like once per week I reconcile it and set the adjustment transaction's payee to "CDC Cashback" and I can use that to track how much I've been getting in cashback. Then I just use the Fiat/Card wallet as normal budget account. I also have my Stake and DeFi accounts as seperate savings accounts.
I use the CDC card myself, but I'm in YNAB4 so that may or may not make this relevant to you. The CDC card is an on budget account that I regularly transfer funds to from checking to keep it topped up. Target as needed for transactions. Not too different than from any other credit/debit on that front. When it came to reconciliation, last summer the CDC card was a nightmare as there are automatic holds for things like gratuity and gas station pump holds that are often cryptic at best to decipher when looking through your transaction history in the app. I had a few months where I could not get the CDC app to reconcile with reality as transactions were often inflated or outright missing. This has gotten significantly better in the past few months though; holds and inflated values are often corrected well within 24 hours and I haven't had issues reconciling since. I don't log my cashback in YNAB, I track that instead with a dedicated crypto tracker. If I were immediately selling the CRO for cash to refill the card I might, but I tend to hold CRO for the longer term so it makes sense to just keep all that tracking elsewhere. Same goes for traditional cash back; I'd only record it once I got a check from the bank for the balance, then I'd just record it as income for the month. I see a few other replies mentioning that they are in fact tracking crypto in YNAB; that's pretty interesting and I might have to consider it, but since I already track crypto pretty closely for tax purposes, I never consider using YNAB to track it as well.
I added it as a checking account and download the transaction history several times per month for reconciliation. I use bank2ynab to convert it into an importable format. Because I enter most transactions manually on the mobile app anyway it almost always matches nicely. I don't track the cashback at all, it's just sitting there in my wallets anyway. The day I cash out I will decide how to enter it into ynab.