Indy: classify a personal payment on a business account

Analysis of official documentation, with no testing on a paid account.

A personal payment from the business account does not have one universal Indy category. The page for liberal professionals lists ‘Dépense personnelle’, while the newer help page about the proprietor's account requires ‘Prélèvement personnel’ when the expense must be regularised and repaid to the business. Check your regime and the category description shown before confirming.

Method. Three Indy help pages reviewed on 8 November 2026 with four illustrative movements. No real account or transaction was used.

Separate four movements

The word ‘personal’ is not enough to choose. A contribution increases business funds, a withdrawal or personal expense takes funds out, and an internal transfer connects two accounts already synced. The description in your workspace should confirm the selected case.

Separate cash movements from business expenses

Illustrative example: the statement shows €420 of outgoing payments made up of a €50 personal purchase, a €250 personal payment and a €120 business expense. The bank calculation is 50 + 250 + 120 = 420 €, but only the €120 expense is a business purchase here. The other two movements follow their personal treatment according to the applicable regime and Indy workflow.

This separation prevents every bank payment from becoming a business expense. Keep evidence for the business movement and a record of regularisation when a personal payment must be repaid to the business.

Add a business purchase paid from a personal account

The reverse case follows a different rule. Indy states that a business transaction paid from a personal account must be added manually and categorised by its actual nature. Business rent remains rent; it does not become ‘Apport personnel’ or ‘Dépense personnelle’ solely because it was paid from the personal account.

Before adding it manually, check that the movement has not already been imported from another account. Attach the document, enter the exact date and amount, and confirm that the category matches the purchased item or service.

Handle the difference between Indy help pages

The two official help pages reviewed do not use the same label for a personal purchase paid from the business account. The 3 September 2024 page aimed at liberal professionals lists ‘Dépense personnelle’. The 9 January 2026 page about the proprietor's account lists ‘Prélèvement personnel’, requires regularisation and flags a specific risk for a sole proprietorship subject to corporation tax when the proprietor's account remains in debit at year-end.

Do not resolve this difference from the label alone. Identify your legal form, tax regime and the treatment offered in your current workspace. If the proprietor's account balance or year-end close is involved, have your accountant or Indy support confirm the treatment before finalising.

The guide to Indy bank synchronisation helps check the origin of a missing movement. The guide to document and FEC export covers documentary checks before handover.