Operate

Bank reconciliation

Upload a bank statement as PDF, CSV, or Excel. ScanLedger parses it, and AI matches each transaction to your receipts, invoices, and sales. You review what AI isn't sure about.

Why this approach?

Most reconciliation tools require a bank API integration — expensive, geographically limited, and slow to onboard. ScanLedger works from the statement file you already receive, so you can reconcile any bank in any country as long as it produces a PDF, CSV, or Excel statement.

Importing a statement

  1. Open Dashboard → Reconcile.
  2. Click Import Statement.
  3. Upload a CSV, PDF, or Excel file.
  4. Review parsed transactions in a preview table. Fix any that look wrong.
  5. Confirm to begin auto-matching.

Auto-matching

Matching combines three signals:

  • Amount — exact match, within a small tolerance for bank fees.
  • Date — bank date compared to record date, with configurable tolerance.
  • Description similarity — fuzzy match between bank memo and record notes / counterparties.

Each suggested match gets a confidence score. High-confidence matches (≥ 0.9) are auto-applied; medium-confidence matches (0.6–0.9) show as suggestions you can accept with one click; anything below 0.6 is left for manual review.

Manual reconciliation

For unmatched transactions, open the side-by-side view:

  • Left pane: the bank transaction.
  • Right pane: candidate records filtered by amount / date range.
  • Buttons to accept, reject, or create a new record (e.g. “This was a new unknown expense — log it”).

Expected payments

Every sale and invoice creates an expected payment. During reconciliation, incoming deposits are matched against the expected pool first — so “Customer X paid their invoice” becomes a one-click confirmation.

Discrepancies

Reconciliation reports highlight:

  • Bank transactions with no match (potential missing record).
  • Records with no matching bank transaction (potential missing deposit).
  • Amount mismatches (bank got less than the record expected — a fee or error).

Reports

  • Reconciliation rate (% of transactions matched).
  • Outstanding items by age (over 30 / 60 / 90 days).
  • Discrepancies by type and counterparty.
  • Period summary for your accountant, exportable as CSV.

Plan access

Bank reconciliation is included on Pro and Enterprise plans.

Next steps