Organising collections with sub-accounts

Sub-accounts turn one balance into many clearly labelled streams, so you always know where money came from.

Common ways to organise

• By branch or outlet — one sub-account per location to compare performance.
• By campaign or event — a fresh number for each promotion so totals are exact.
• By product or service line — separate numbers to see what sells.
• By customer or contract — a dedicated number makes large recurring transfers easy to match.

How it helps

1. Each sub-account collects under its own number.
2. Inflows are tagged to the right stream automatically.
3. Reconciliation becomes a matter of reading per-account totals, not chasing references.

Tip: Name sub-accounts consistently, such as Lagos Branch or June Promo, so reports stay readable as you add more.

Create the accounts first in create and use sub-accounts (/business/virtual-accounts/create-and-use-sub-accounts). To understand the flow of funds, see money in and money out (/business/virtual-accounts/money-in-money-out).

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