What's the difference between personal and business bank accounts?

Personal accounts don't have the concept of 'unexplained transactions' - you just provide explanations for those transactions (or parts of them) which are business-related. In general, this is most relevant to Sole Traders without a business bank account.

This is not meant to be used instead of / as well as the Out of Pocket Expenses section - it's really for if you haven't opened a business account yet.

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