diff --git a/app/models/account/provider_import_adapter.rb b/app/models/account/provider_import_adapter.rb
index 61a095e324..483c20bc52 100644
--- a/app/models/account/provider_import_adapter.rb
+++ b/app/models/account/provider_import_adapter.rb
@@ -26,7 +26,7 @@ def reset_skipped_entries!
   # @param extra [Hash, nil] Optional provider-specific metadata to merge into transaction.extra
   # @param investment_activity_label [String, nil] Optional activity type label (e.g., "Buy", "Dividend")
   # @return [Entry] The created or updated entry
-  def import_transaction(external_id:, amount:, currency:, date:, name:, source:, category_id: nil, merchant: nil, notes: nil, pending_transaction_id: nil, extra: nil, investment_activity_label: nil)
+  def import_transaction(external_id:, amount:, currency:, date:, name:, source:, category_id: nil, kind: nil, merchant: nil, notes: nil, pending_transaction_id: nil, extra: nil, investment_activity_label: nil)
     raise ArgumentError, "external_id is required" if external_id.blank?
     raise ArgumentError, "source is required" if source.blank?
 
@@ -208,7 +208,13 @@ def import_transaction(external_id:, amount:, currency:, date:, name:, source:,
         detected_label = detect_activity_label(name, amount)
       end
 
-      # Auto-set kind for internal movements and contributions
+      # Determine the transaction kind. Activity-label and account-type classification
+      # take precedence; an explicit kind supplied by the provider is used as a fallback
+      # for the standard case. A provider such as Up flags internal transfers and
+      # round-ups (via relationships.transferAccount) and passes funds_movement, but a
+      # repayment imported onto a linked Loan/CreditCard account must stay
+      # loan_payment/cc_payment (a budgeted expense) rather than being reclassified, so
+      # the account-type branches below win over the provider hint.
       auto_kind = nil
       auto_category = nil
       if Transaction::INTERNAL_MOVEMENT_LABELS.include?(detected_label)
@@ -221,6 +227,7 @@ def import_transaction(external_id:, amount:, currency:, date:, name:, source:,
       elsif account.accountable_type == "CreditCard" && amount.negative?
         auto_kind = "cc_payment"
       end
+      auto_kind ||= kind.presence
 
       # Set investment activity label, kind, and category if detected
       if entry.entryable.is_a?(Transaction)
diff --git a/app/models/provider/up.rb b/app/models/provider/up.rb
index 1346b03c84..9b0f843b36 100644
--- a/app/models/provider/up.rb
+++ b/app/models/provider/up.rb
@@ -92,6 +92,11 @@ def flatten_account(resource)
 
     # Flattens a JSON:API transaction resource, lifting attributes to the top level and
     # extracting the related account/category ids from relationships.
+    #
+    # transfer_account_id is the other side of an internal money movement: Up populates
+    # relationships.transferAccount on any transaction that moves funds between the
+    # user's own accounts (including round-ups swept into a Saver). It is nil for
+    # ordinary income/expense.
     def flatten_transaction(resource)
       data = resource.with_indifferent_access
       attributes = data[:attributes].is_a?(Hash) ? data[:attributes] : {}
@@ -99,7 +104,8 @@ def flatten_transaction(resource)
       attributes.merge(
         id: data[:id],
         account_id: data.dig(:relationships, :account, :data, :id),
-        category_id: data.dig(:relationships, :category, :data, :id)
+        category_id: data.dig(:relationships, :category, :data, :id),
+        transfer_account_id: data.dig(:relationships, :transferAccount, :data, :id)
       ).with_indifferent_access
     end
 
diff --git a/app/models/up_entry/processor.rb b/app/models/up_entry/processor.rb
index 52d6c760cc..59e9b9e890 100644
--- a/app/models/up_entry/processor.rb
+++ b/app/models/up_entry/processor.rb
@@ -53,6 +53,7 @@ def process
       date: date,
       name: name,
       source: "up",
+      kind: kind,
       merchant: merchant,
       notes: notes,
       extra: extra_metadata
@@ -98,6 +99,22 @@ def name
       data[:description].presence || I18n.t("transactions.unknown_name")
     end
 
+    # The id of the other account in an internal money movement, if any (see
+    # Provider::Up#flatten_transaction). Present for transfers between the user's own
+    # accounts and for round-ups swept into a Saver; nil for ordinary income/expense.
+    def transfer_account_id
+      data[:transfer_account_id].presence
+    end
+
+    # Mark internal movements as funds_movement so they are excluded from income,
+    # expense, and budget analytics. Two-sided transfers between two linked accounts are
+    # additionally paired into a Transfer by Family#auto_match_transfers!; one-sided moves
+    # (counterpart not linked in Sure) and round-ups rely on this flag, since the matcher
+    # has no opposing entry to pair them with.
+    def kind
+      transfer_account_id ? "funds_movement" : nil
+    end
+
     # Optional user-entered message attached to the transaction.
     def notes
       data[:message].presence
@@ -170,6 +187,7 @@ def extra_metadata
           "pending" => pending?,
           "status" => data[:status],
           "category_id" => data[:category_id],
+          "transfer_account_id" => transfer_account_id,
           "raw_text" => data[:rawText],
           "fx_from" => foreign_amount_data[:currencyCode],
           "fx_amount" => foreign_amount_data[:value]
diff --git a/test/models/account/provider_import_adapter_test.rb b/test/models/account/provider_import_adapter_test.rb
index 29ab62fb89..6927ad30af 100644
--- a/test/models/account/provider_import_adapter_test.rb
+++ b/test/models/account/provider_import_adapter_test.rb
@@ -55,6 +55,37 @@ class Account::ProviderImportAdapterTest < ActiveSupport::TestCase
     end
   end
 
+  test "applies an explicit provider kind on a depository account" do
+    entry = @adapter.import_transaction(
+      external_id: "up_transfer_1",
+      amount: -50.00,
+      currency: "USD",
+      date: Date.today,
+      name: "Transfer to Savings",
+      source: "up",
+      kind: "funds_movement"
+    )
+
+    assert_equal "funds_movement", entry.transaction.kind
+  end
+
+  test "account-type kind takes precedence over an explicit provider kind" do
+    loan_adapter = Account::ProviderImportAdapter.new(accounts(:loan))
+
+    entry = loan_adapter.import_transaction(
+      external_id: "up_loan_repayment_1",
+      amount: -200.00,
+      currency: "USD",
+      date: Date.today,
+      name: "Home Loan Repayment",
+      source: "up",
+      kind: "funds_movement"
+    )
+
+    assert_equal "loan_payment", entry.transaction.kind,
+                 "a repayment on a Loan account must stay loan_payment, not the provider's funds_movement"
+  end
+
   test "updates existing transaction instead of creating duplicate" do
     # Create initial transaction
     entry = @adapter.import_transaction(
diff --git a/test/models/provider/up_test.rb b/test/models/provider/up_test.rb
index 332ffc0513..297c0866c4 100644
--- a/test/models/provider/up_test.rb
+++ b/test/models/provider/up_test.rb
@@ -138,6 +138,47 @@ class Provider::UpTest < ActiveSupport::TestCase
     end
   end
 
+  test "flattens transaction relationships including transferAccount" do
+    response = FakeResponse.new(
+      code: 200,
+      message: "OK",
+      body: {
+        data: [
+          {
+            type: "transactions", id: "tx_xfer",
+            attributes: { status: "SETTLED", description: "Transfer to Savings" },
+            relationships: {
+              account: { data: { id: "acc_123" } },
+              category: { data: nil },
+              transferAccount: { data: { id: "acc_saver" } }
+            }
+          },
+          {
+            type: "transactions", id: "tx_plain",
+            attributes: { status: "SETTLED", description: "Coffee" },
+            relationships: {
+              account: { data: { id: "acc_123" } },
+              category: { data: { id: "restaurants-and-cafes" } },
+              transferAccount: { data: nil }
+            }
+          }
+        ],
+        links: { prev: nil, next: nil }
+      }.to_json
+    )
+
+    # The stub deliberately ignores the query: keyword: this test exercises only
+    # response flattening, not the request params (pagination/date filters), which
+    # are covered by the pagination tests above.
+    Provider::Up.stub(:get, ->(_url, headers:, query: nil) { response }) do
+      transactions = Provider::Up.new("up-access-token").get_account_transactions(account_id: "acc_123")
+
+      assert_equal "acc_saver", transactions.first[:transfer_account_id]
+      assert_equal "restaurants-and-cafes", transactions.second[:category_id]
+      assert_nil transactions.second[:transfer_account_id]
+    end
+  end
+
   test "raises typed errors for unauthorized responses" do
     response = FakeResponse.new(code: 401, message: "Unauthorized", body: "{}")
 
diff --git a/test/models/up_entry/processor_test.rb b/test/models/up_entry/processor_test.rb
index 45ba6228c3..d7d07c4048 100644
--- a/test/models/up_entry/processor_test.rb
+++ b/test/models/up_entry/processor_test.rb
@@ -113,4 +113,42 @@ class UpEntry::ProcessorTest < ActiveSupport::TestCase
 
     assert_equal BigDecimal("-2500.0"), entry.amount
   end
+
+  test "marks internal transfers (transferAccount present) as funds_movement" do
+    entry = UpEntry::Processor.new(
+      {
+        id: "tx_transfer_1",
+        account_id: "acc_123",
+        status: "SETTLED",
+        description: "Transfer to 2Up Spending",
+        amount: { currencyCode: "AUD", value: "-500.00", valueInBaseUnits: -50000 },
+        settledAt: "2026-01-22T00:00:00+11:00",
+        createdAt: "2026-01-22T00:00:00+11:00",
+        transfer_account_id: "acc_other"
+      },
+      up_account: @up_account
+    ).process
+
+    transaction = entry.entryable
+    assert_equal "funds_movement", transaction.kind
+    assert_equal "acc_other", transaction.extra.dig("up", "transfer_account_id")
+  end
+
+  test "ordinary transactions (no transferAccount) keep the standard kind" do
+    entry = UpEntry::Processor.new(
+      {
+        id: "tx_standard_1",
+        account_id: "acc_123",
+        status: "SETTLED",
+        description: "Coffee Shop",
+        amount: { currencyCode: "AUD", value: "-4.50", valueInBaseUnits: -450 },
+        settledAt: "2026-01-22T00:00:00+11:00",
+        createdAt: "2026-01-22T00:00:00+11:00"
+      },
+      up_account: @up_account
+    ).process
+
+    assert_equal "standard", entry.entryable.kind
+    assert_nil entry.entryable.extra.dig("up", "transfer_account_id")
+  end
 end