What do I need to upload?
Two files for the same account and period: the bank statement (a PDF downloaded from online banking, or a CSV, Excel, OFX, QFX or QBO download) and an export of the same account from your books (a QuickBooks or Xero report exported to CSV or Excel, or any register or ledger CSV). We find the date, description and amount, or debit and credit, columns automatically, and you can change them.
How are transactions matched?
On the exact amount, within a date window you choose (3 days by default), preferring the closest date and the most similar description. A check is matched by its number even if it cleared weeks after you wrote it. Then we look at what's left: the same transaction keyed with a different amount, the same amount with the sign reversed, and entries that appear twice.
What does the report show?
Every transaction in one of these groups: Matched; On the bank statement, not in your books (often bank fees, interest or a missed expense); In your books, not on the bank statement (outstanding checks, deposits in transit or entries that never happened); Amount differs, with a note when the difference divides by 9, the classic sign of transposed digits; Sign reversed; and Possible duplicates. The summary shows how the items add up to the whole difference between the two files.
My books export shows deposits as debits. Will that work?
Yes. In a ledger, money into a bank account is a debit, which is the opposite of a bank statement. We try your books both ways and keep the one that matches more transactions, and you can force either on the results page.
Is it free?
The summary is free: how many transactions match, how many issues of each kind and how they add up to the difference, with the first 3 items of each kind. The full list and the CSV and PDF report use 1 credit from the same $9 pack of 5 credits as our statement converter, or are unlimited on Pro at $19/month.
Are my files stored?
No. Both files are read in memory and never written to disk, and results are deleted after 1 hour. We never use your data for AI training, and transaction details are never sent to our analytics.
Does it connect to QuickBooks or Xero?
No, it works from exported files, so there's nothing to authorize and it works for any accounting software. It doesn't change your books: fix what it finds in QuickBooks or Xero yourself, then reconcile there.
Can I try it without my own files?
Yes. Click Try the sample under the upload boxes. It reconciles a fictional bank statement CSV against a fictional QuickBooks export with a few planted problems: a missing bank fee, an outstanding check, a doubled entry, a transposed amount and a reversed sign. Every download is free for the sample.
Can I use a general ledger export with every account in it?
Export only the bank or cash account you're reconciling, for example QuickBooks' Account QuickReport or Transaction Detail by Account filtered to that account, or Xero's Account Transactions report for the bank account. A whole-ledger export mixes in other accounts, which would show up as items not on the bank statement.
