Abstract: In one embodiment, a method includes storing, in a data store maintained by a payment service, transaction history information associated with two financial accounts of a user. Upon detecting an intent by the user to transfer funds between the first financial account and the second financial account via an application executing on a device of the user, a prediction of a suggested amount of funds for a user to transfer from the first financial account to the second financial account is generated. The payment service sends instructions to the user's mobile device to display the suggested amount of funds with a request to confirm the transfer. Upon receiving confirmation from the mobile device, the payment service initiates the transfer.