I will have 2 accounts, and a spreadsheet application. My checking account will hold all of my regular spending money such as bills, property insurance, auto insurance, and so on. My Swiss account will be why I will need to learn how to use a spreadsheet. I will have all of my income deposit into my Swiss account. This will include taxes, and my emergency fund. I will need to keep those things separate on paper so I don’t overspend. The fewer account numbers is to make my life easier. My Swiss account will know that transfers will only take place with one certain bank account, and nothing more. My checking account will than handle any wire transfer. In example, if I was to buy a $100,000 automobile, I will transfer $100,000 from my Swiss to my Checking, and then transfer from my checking to the auto dealership. This will allow red flags to raise if a transfer went somewhere else.
I will check both accounts daily to make sure there are no issues. If transactions were made, I will go into my spreadsheet application and enter the information into my ledger. This will keep things simple, and easy to work with.