Bills

The Bills tab

The Bills list has three filter chips: Open, Paid, and All. A cash-flow banner at the top shows your Available balance against your Total outstanding — what you have versus what you owe.

Each bill card shows the vendor, amount, a due badge (In N days, Due today, or N days overdue), and its status: Open, Scheduled, Partially paid, Paid, or Cancelled.

Create a bill manually

Add a bill with:

Vendor
Amount
Category
Due date
IBAN
Structured communication (the Belgian “gestructureerde mededeling”)

You don’t have to type every bill in by hand. Munto can also create bills for you from a scanned document, an imported file, or a forwarded email — see Scan & import invoices.

Record a payment

Tap Mark as paid on a bill to open the transaction form. Pick the account it was paid from and adjust the amount or date if needed — paying a partial amount, or a different amount than the bill states, is fine. The transaction is linked to the bill.

If a matching transaction already exists, Munto surfaces it as a suggestion with This paid it so you don’t have to re-enter it.

Once a bill is paid, use Open transaction on it to jump to the linked transaction and edit it later.

Pay with the EPC QR code

Every bill with complete payment data shows a Scan to pay QR code, built from its IBAN, BIC, amount, and structured communication. Scan it with any Belgian banking app to pay without typing in the details yourself. If some payment data is missing, Munto shows a warning so you can check the bill before paying.

Reminders & dunning

Bills escalate through three stages: None → Reminder → Dunning. When a bill reaches Dunning, added costs may make the amount due exceed the original amount, and the card gets a red border to flag it.

Merging duplicate or reminder bills

If Munto suspects a bill is a reminder or duplicate of another one, it shows a suggestion strip — Link to merge it into the existing bill, or Dismiss if they’re unrelated. You can also merge two bills manually at any time.

On the Dashboard

The Dashboard shows your open bills prioritized by what to pay first, weighed against your available cash — so you always know what’s most urgent.