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Accepting an Invitation

How to accept or decline a household invitation

When someone invites you to their Financio household, you'll receive an email with a link to accept or decline. Here's what to expect and how to respond.

Receiving an Invitation

When you're invited to a household, you'll receive an email containing:

  • The name of the person inviting you
  • The role being offered (Full Access or Read Only)
  • A brief explanation of what each role means
  • An Accept Invitation button (you can decline on the page it opens)

Check Your Spam Folder

If you're expecting an invitation but haven't received it, check your spam or junk folder. You can also ask the person to resend it.

Accepting the Invitation

If You Already Have a Financio Account

  1. Click the Accept Invitation link in the email
  2. If you're already signed in, review the invitation details and click Accept Invitation
  3. If you're signed out, keep the I have an account tab selected, enter your details, and click Sign In & Accept, signing in accepts the invitation for you

Once accepted, you'll have immediate access to the shared household. Your existing Financio data remains separate and private.

If You're New to Financio

  1. Click the Accept Invitation link in the email
  2. Choose the I'm new here tab
  3. Fill in your details and click Create Account & Accept
  4. The invitation is accepted automatically when you finish registration

You'll then have access to the shared household. You can also create your own separate household later if you want to track personal finances independently.

If you have the Financio app installed on your iPhone, tapping Accept Invitation in the email opens the app straight to the invitation.

  1. Tap Accept Invitation in the email
  2. If you're signed out, you'll see who invited you and the role offered, choose I have an account or I'm new here and sign in or register; the invitation is accepted for you once you're signed in
  3. If you're already signed in, review the details, then tap Accept Invitation (or Decline)

No link to tap? Open Settings → Household Members → Accept an Invitation, paste the invitation link (or the code from it), tap View Invitation, then Accept Invitation.

Your existing Financio data remains separate and private, and you can create your own separate household later if you want to track personal finances independently.

What Happens When You Accept

When you accept an invitation:

  • You gain immediate access to the household's data
  • You can see all accounts, transactions, categories, tags, and reports
  • Your permissions are determined by the role you were assigned
  • If you have Full Access, you can start making changes right away
  • The household owner will see you in their member list (Settings → Household Members)

You'll See Everything

Accepting an invitation gives you full visibility into the household's financial data. Make sure you're comfortable with this before accepting.

Declining the Invitation

If you don't want to join the household:

  1. Open the Accept Invitation link from the email
  2. Sign in if prompted
  3. Click Decline below the invitation details

Financio doesn't notify the person who invited you, but the invitation disappears from their pending list. They can send a new invitation later if circumstances change.

After Accepting

Switching to the New Household

If you already had your own Financio account, you'll now have access to multiple households. Accepting switches you into the new household straight away. To go back to your own finances later, use the household switcher in the header on the web, or Settings → Household on iPhone.

See Switching Between Households for more details.

Understanding Your Role

Your role determines what you can do:

  • Full Access - You can view and edit everything except manage members
  • Read Only - You can view everything but cannot make changes

See Understanding Roles and Permissions for a complete breakdown.

Invitation Expiration

Invitations expire after 7 days. If you try to accept an expired invitation:

  • You'll see a message that the invitation has expired
  • Ask the person to send a new invitation
  • Check your email for a newer invitation that may have been sent

Troubleshooting

The link doesn't work

  • The invitation may have expired (7 days)
  • The invitation may have been revoked
  • Try copying the full URL from the email rather than clicking

I accepted but can't see the household

  • Try refreshing the page
  • Sign out and sign back in
  • Check the household switcher - you may need to select it

I want to join with a different account

If you accidentally accepted with the wrong account:

  1. Contact the household owner
  2. Ask them to remove you
  3. Sign in with your preferred account
  4. Ask for a new invitation to be sent to that email

I changed my mind after declining

If you declined but now want to join:

  1. Contact the person who invited you
  2. Ask them to send a new invitation
  3. Accept the new invitation
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