Reconcile a bank statement in one pass, and see exactly what to correct.
Upload the statement the bank sent you and the nominal ledger you keep. Every line is matched, every difference is named, and each one comes with the correction to make in your system — the right nominal code, the right wording, the missing posting.
Bank reconciliation is where the accounting work actually lives, and it is where it goes wrong. Staff put in the wrong wording, use a nominal code they were not sure about, split one invoice across two months or post the same payment twice. Each of those leaves a difference between the bank and the ledger that only makes sense once the two are lined up side by side — and that is the hours-long part nobody wants to do.
How it works
Upload the statement, any format
PDF, Excel or CSV, straight out of your bank. The reader works out the columns, the date order the file actually uses, whether the amounts are signed or split into money in and money out, and where the opening and closing balances sit.
Bring your ledger
Reconcile against the bank feed or general-ledger import already in your workspace, or attach the nominal-code ledger you downloaded from Xero, QuickBooks or Sage. The bank's own code and the code the customer used are kept apart on purpose.
Line them up
References first, then payee and amount, then amount and wording, then amount within the month, then the rounded amount where a fee has been charged, and finally a bounded subset search for the one payment split across several postings. A match that needed a guess says so and shows the evidence.
Read the differences
Not a variance figure: the list. Lines on the bank with no posting, postings with no movement behind them, amounts that disagree by a digit swap, the same supplier paid twice, a January direct debit posted to December, and every bank line coded to a nominal that does not fit what the bank says it was for.
Correct it in your system
Each finding names the account to use, the wording that should have gone in, and the journal that puts it right — reclassify a bank line where it sits, or export all of them as a balanced journal to key back into your ledger.
Outcomes, not features.
- A statement reconciled against your ledger in one pass, not one afternoon at a time
- Every difference explained, with the row and the posting it came from
- The nominal code to use, chosen from your own chart of accounts
- Vague narrations flagged with better wording, so the next month is cleaner
- A correction journal you can hand to whoever does the books
- Nothing applied to your records unless you press apply, and every apply is audit-logged
Questions
Yes. The text is pulled out of the file's compressed content streams, so a statement downloaded as a PDF from a high-street bank works, not only a spreadsheet export. If a file is a scanned image rather than text, the app says so instead of inventing transactions.
That is the case it is built for. Matching does not depend on the description anyone typed: it works from amount, date, reference and the payee behind the description. Where a line has been coded to an account that does not fit the payee — supermarket groceries in Office Supplies, a director's loan in Bank Charges — it is flagged with the code from your own chart that does fit, and why.
No. Direct connections to those systems are not yet switched on for this service, and nothing writes to them. Reconcile Mode reads what you upload and can update the bank lines in your own Fin-Central workspace; for anything outside it, export the correction journal and enter it in your ledger.
The arithmetic is deterministic. Figures come from your statement and your ledger, and a rules engine does the matching, the walk from opening to closing balance and every finding. A language model is used afterwards on what the rules could not decide — to name the payee behind a garbled description, to suggest the account for a movement that looks private, to phrase the correction — and it can only propose codes that exist in your chart of accounts. It is rate-limited and capped per workspace, so it cannot run away with cost, and every AI finding is labelled as one.
A matching screen asks you to agree line by line and tells you the total does not tie. This tells you which lines, why they do not tie, and what to change — including the two postings that add up to one payment and the one you made twice.
Anything you can export as CSV, TSV or Excel, and a printed ledger supplied as a PDF. The columns are recognised by name, not by position, so a Xero export and a Sage one both work without a template.
See it on your own numbers.
Start the trial and import your ledger export — or book a walkthrough first.