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Bank statements

Bank statement import, matched to your invoices

Bank statement import that does the reconciling for you. Upload the MT940 or CSV your bank gives you, or connect the account outright — lines are matched to your invoices and purchases as they arrive, and the documents they settle are updated to match.

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The Invoice Office bank statement dashboard showing transaction and counterparty counts, inflow and outflow totals, net cash flow, how many transactions matched automatically, and the top counterparties

Everything on the statement

Stop the manual grind

Hand-keying transactions is slow, error-prone, and the least valuable thing you could be doing with the hour. Import the statement once and the rest follows from it.

Import MT940 or CSV
Upload the file your bank gives you — MT940, MT940 Structured, the .txt and .swi variants, or a CSV — and every transaction on it is ready to work with. No retyping.
Or connect the account
Rather than downloading a file each week, connect your bank account through Ponto and transactions are fetched for you on a schedule.
Matched as they arrive
Lines are matched to the invoices and purchases they belong to during the import itself, and each one tells you how it got there: automatically matched, a suggested match, manually matched, or match failed.
Register payment, income or expense
Every line can be dealt with from the list: register a payment against a document, or book it as income or an expense when there is no document behind it. The whole statement gets accounted for.
Documents updated automatically
Connect the payment to an invoice or a purchase and that document’s account status is updated straight away — paid, Partial Payment or Overpaid, depending on the amount. No separate trip to update it.
Nothing quietly left behind
The account, its opening amount and its closing balance sit at the top, with a count of the lines still unprocessed. Filter to debits, credits or a date range, or search the descriptions.

Getting the statement in

The import does more than import

Two switches sit on the import, both on by default. They are the difference between a screen full of transactions to work through and a statement that has already settled the documents it was always going to settle.

Explore every feature

  • A three-step import

    Choose where the data is coming from, upload the file, import it. You land on the statement with its lines already matched, not on a blank screen with work to do.

  • Match and register in one pass

    Leave “Match and register payment” switched on and the import does not just bring the lines in — it settles the documents it matched automatically at the same time.

  • Tell people it arrived

    Switch on “Automatically send payment notification” and the confirmation goes out as the payment is registered, so nobody chases money that is already in.

  • Map an unfamiliar CSV

    If your bank’s CSV does not use the columns anyone else uses, the import detects what is in the file and lets you map the columns yourself. A sample file shows the shape it expects.

How it works

From statement to settled books

  1. Step 1Import or connect

    Upload the MT940 or CSV file your bank gives you, or connect the account through Ponto so transactions are fetched without a download every week.

  2. Step 2Let it match

    Lines are matched to your invoices and purchases as they come in, each marked automatically matched, suggested match, manually matched or match failed so you know what to look at.

  3. Step 3Clear what is left

    Work down the unprocessed lines: register a payment against a document, or book it as income or an expense. Documents settle as you go.

Bank statement questions, answered

Which bank statement formats can I import?
MT940 and MT940 Structured, including the .txt and .swi variants your bank may hand you, plus CSV. You pick the format on the first step of the import, upload the file, and import.
Can I connect my bank instead of uploading a file?
Yes. Connect bank account takes you to Ponto to set the connection up; once the Ponto connector is configured in your settings, transactions are fetched for you automatically rather than being downloaded from your bank and uploaded here every week.
What does the matching actually do?
It ties each statement line to the invoice or purchase it settles. Every line carries its match status — automatically matched, a suggested match, manually matched, or match failed — so you can go straight to the ones that need a person and leave the rest alone.
What happens when a line is matched to an invoice?
The payment is registered against that invoice or purchase, and the document’s account status is updated straight away — paid, Partial Payment or Overpaid, depending on the amount. You do not have to go and update the document separately. If you leave “Match and register payment” on during the import, that happens for automatically matched lines without you doing anything.
Can I handle lines that are not invoices or purchases?
Yes. Bank charges, salaries, a tax payment — anything with no document behind it can be booked straight from the line as income or an expense, so the whole statement is accounted for rather than just the parts tied to a document.
My bank’s CSV has unusual columns. Will it still work?
Yes. The CSV import reads your file, shows you the columns it found and lets you map them to the fields it needs. There is a sample file you can download to see the shape it expects.
Does the customer get told the payment came in?
If you want them to. “Automatically send payment notification” is a switch on both the file import and the bank connection — leave it on and the confirmation is sent as the payment is registered.

More answers in our FAQ and help center.

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