Your suggested "In Transit" account is a common solution to quite a few 
double-entry accounting problems, and is called a "clearing account".  And yes, 
you generally only need one such account in each currency.

Hartmut W Sager


On Tue 03 Mar 2026 at 04:27:17 -06:00, Kevin Buckley via gnucash-user 
<[email protected]> wrote:
> On Tuesday, March 3rd, 2026 at 02:51, Peter West via gnucash-user 
> <[email protected]> wrote:
> >
> > I suppose that for affected accounts, you could create a sub-account 
> > “Pending”
> > and post the initial transaction to the instantaneous account and to the 
> > Pending
> > sub-account of of the “slow” account. The balance on the slow account will 
> > show
> > you what the immediate future holds for that account. When the pending 
> > amount
> > reaches the slow account, post between the Pending and actual accounts.
> > The balance will not change, and you will have a record of the actual 
> > process.
> > The reconciliation process would have to ignore the Pending sub-account 
> > values.
> > I don’t know whether it will do this.
> 
> Would pretty much suggest the same, but consider having just the
> one intermediate account, named say,
> 
> In Transit
> 
> outside of the two - source and destination - accounts.
> 
> I'd also suggest that there is no need to wait until the monies
> arrive in the destination account to post that part of the
> transaction. You can always change the date once it's arrived.
> 
> Perhaps create the "In Transit" to "Slow" transaction with the
> day after the "Fast" to "In Transit" date, so that it appears
> below the "today line" in the Register.
> 
> For those of you old enough to have sent "cheques in the post",
> this will seem like teaching granny to suck eggs!
> 
> 
> 
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