You should have atleast one account before you can start using Spendwise
Everything that you do in Spendwise is linked to an Account.
Opening Balance is the money you currently have in your wallet and in your bank account(s).
If you have multiple accounts, you can switch between accounts at any time. For example if you have a savings account to save for your dream house, you can keep that separate in a different account.
Once you have switched your account, all transactions logged will be linked to the current account in use. So be sure to switch back to your main account to log your daily expenses.
You may edit or delete you accounts at any time.
Deleting an account will also delete all your transactions, budgets, debts and credit cards linked to that account.