diff --git a/.changeset/fix-up-use-created-at-date.md b/.changeset/fix-up-use-created-at-date.md
new file mode 100644
index 0000000..11bed79
--- /dev/null
+++ b/.changeset/fix-up-use-created-at-date.md
@@ -0,0 +1,5 @@
+---
+"@tim-smart/actualbudget-sync": patch
+---
+
+fix(up): use transaction creation date instead of settlement date
diff --git a/src/Bank/Up.ts b/src/Bank/Up.ts
index c891123..e9a6c82 100644
--- a/src/Bank/Up.ts
+++ b/src/Bank/Up.ts
@@ -160,7 +160,7 @@ class Transaction extends Schema.Class<Transaction>("Transaction")({
   }),
 }) {
   accountTransactions(): NonEmptyReadonlyArray<AccountTransaction> {
-    const dateTime = this.attributes.settledAt ?? this.attributes.createdAt
+    const dateTime = this.attributes.createdAt
     const cleared = this.attributes.status === "SETTLED"
     const amount = moneyToBigDecimal(this.attributes.amount)
     const description = this.attributes.description