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Bank Reconciliation & Rules

Your bank feed teaches itself. The same payee never gets manually categorised twice.

Per-account unreconciled count, batch-edit category / contact / project on hundreds of transactions, AI-driven smart categorisation with confidence, fuzzy vendor matching, expected-income reconciliation against open invoices, and customisable bank rules that auto-apply to new transactions.

In short

AccountsOS auto-reconciles bank transactions using AI categorisation, fuzzy vendor matching, expected-income matching against open invoices, and customisable bank rules ('anything from STRIPE → Sales income'). Batch operations let you bulk-edit hundreds of transactions. Per-account unreconciled count shows what still needs attention.

AI
Categorisation
Fuzzy
Vendor matching
Batch
Edit hundreds
Try Bank Reconciliation & Rules Free

Free during Early Access — no credit card required

Everything Bank Reconciliation & Rules can do

AI smart categorisation

  • Claude-driven category suggestion against UK GAAP
  • Confidence score on every suggestion
  • Learns from your historic patterns
  • Flags unusual transactions for review

Bank rules

  • Pattern-matched auto-categorisation
  • Trigger on counterparty / amount / description
  • Apply to: category, contact, project, VAT treatment
  • Edit / disable / reorder rules
  • Apply existing rules to historic transactions

Vendor matching

  • Fuzzy match counterparties to existing contacts
  • Suggest creating new contacts on-the-fly
  • Per-vendor default category

Expected-income reconciliation

  • Predicts deposits from open invoices
  • Auto-matches incoming payments to outstanding invoices
  • Surfaces partial payments and overpayments

Batch operations

  • Select hundreds of transactions
  • Bulk edit category, contact, project, VAT
  • Bulk reconcile / unreconcile
  • Bulk delete (with audit trail)

Capabilities at a glance

AI smart categorisation with confidence

Customisable bank rules

Fuzzy vendor matching to contacts

Expected-income reconciliation

Batch operations on hundreds of transactions

Per-account unreconciled count

Mark-as-reconciled UI

Receipt-to-transaction match indicator

Edit dialog with full transaction context

Search by date / amount / category / counterparty / project

How It Works

1

Bank feed comes in

Live feed (Plaid/Stripe/Wise) or CSV/PDF import.

2

AI suggests categories

Each transaction gets a suggested UK GAAP category with a confidence score.

3

Bank rules apply

Anything matching a rule (e.g. 'STRIPE → Sales') is categorised instantly with no review needed.

4

You review the rest

Open the queue, batch-edit by category or contact, mark reconciled in bulk. Done.

By the numbers

Bank rules
Self-improving
Once-set, applied forever
Confidence
Scored
Know which to review
Per-account
Unreconciled count
Always visible

Real-world Use Cases

AWS bill every month

Set a rule once: 'AWS → IT/Software, Project: Production infra'. Every month it auto-categorises.

Stripe payouts

Stripe payouts auto-match to the underlying invoices via expected-income reconciliation. No manual ticking.

Catch-up reconciliation

6 months of imports, 1,200 transactions. AI categorises 80%+, batch operations clean the rest in an afternoon.

Why founders pick this over the spreadsheet

Stop categorising the same payee over and over

Confidence scoring tells you what to actually look at

Batch operations turn 4-hour cleanup into 30-minute work

Expected-income matching cuts reconciliation steps in half

Frequently Asked Questions

How does AI categorisation work?

Claude evaluates each transaction's counterparty, amount, description and your historic patterns to suggest a UK GAAP category with a confidence score. Higher than 0.85 we apply automatically; lower we surface for review.

Can I create my own rules?

Yes — set a pattern (counterparty / amount / description), pick what to apply (category, contact, project, VAT), save. Rules apply to all future transactions and can be back-applied to history.

What's expected-income reconciliation?

We predict which outstanding invoices a deposit represents, by amount + counterparty + date proximity. Auto-matches confidently, surfaces ambiguous cases for one-click confirmation.

Can I batch-edit hundreds of transactions?

Yes — select via filter or click-and-drag, then batch edit category / contact / project / VAT, or batch reconcile/unreconcile. Audit trail captures the whole batch.

What about partial payments and overpayments?

Surfaced explicitly. Partial payments leave the invoice 'partially paid'. Overpayments flag a credit balance with the customer.

Explore more of AccountsOS

Bank Statement Import

Drop a CSV or PDF from any UK bank — we read it. No template setup.

Receipt & Document Capture

Snap, forward, drop, dictate — receipts reach your books from 9 different channels.

Invoicing

Issue, send, track and get paid — without lifting a finger after the first invoice.

Automatic Categorisation

Every transaction labelled with the right UK GAAP category, automatically.

Ready to try Bank Reconciliation & Rules?

Get started with AI-powered accounting for your UK limited company.

Get Started Free

Free during Early Access — no credit card — cancel anytime