How to

How to do your bank reconciliation with AI

no jargon!

With an AI agent from hablo.bot. You hand it your bank statement and your invoices, it matches money in and money out, proposes the matches and sets aside only what doesn't add up, for you to review.

See how it's done ↓

Without giving access to your bankYou review the exceptionsData in the EUNo lock-in

Your agent online

Reconcile the September bank statement with the invoices issued and tell me what doesn't add up.

Done.

Reconciliation · SeptemberResult

42 certain · 3 likely · 1 exceptionThe exception: a €312.45 payment in with no invoice attached.Review

That payment is for invoice F-2026-184.

Noted. September reconciliation closed.

Illustrative example

What bank reconciliation is

Checking that what the bank says matches your accounts

Reconciling means matching every bank transaction with its invoice, its payment in or its payment out, and finding what doesn't fit.

By hand

Line by line

Download the statement and match it in Excel
Hunt for the missing cent
Hours every month, and sometimes every week

With your agent

Only the exceptions

It proposes the matches
It separates the certain, the likely and the doubtful
You only review what doesn't add up

Your data, handled with care

Reconciling doesn't mean showing an AI your whole account

No access to your bank

It works with the statement you download. Your bank credentials stay with you.

With the minimum data

To match transactions it only needs the date, the amount and the reference. You don't have to show it the rest.

The doubtful ones, for you

It doesn't close anything on its own: it leaves the exceptions sorted out for you to decide.

How it's done

Four steps, and every month it repeats itself

Step 1Download the bank statementFrom your bank, in Excel or CSV, just as you always do.

Step 2Hand it your invoicesOr the list your accounting software exports.

Step 3Review what it proposesCertain, likely and doubtful matches, each one with its reason.

Step 4Approve and you're doneYou settle the exceptions and there is a record of who approved what.

Your credentialsYou never give it your bank logins

Your judgementYou decide the exceptions

Your recordWhat was proposed and why stays written down

What it costs

Your reconciliation, from €9.99 a month

From

€9.99 /month

With €10 of free AI credit. No lock-in: cancel whenever you like.

Do you work with client data? From the Professional plan onwards we sign the data processing agreement.

See all the plans →

What's included

Your statements matched against your invoices
Exceptions sorted out for you to review
A monthly task that repeats it on its own
Your data in the EU, under the GDPR

Your Community

And the Community, to help you

Behind every agent there is a community of people building with AI. It's free and open to everyone.

Follow the guide alongside others and compare results with people doing the same thing.
Get your questions answered: there's always someone who has already been there.
Free and open: you don't have to be a customer.

Join the Community

Would you rather a person showed you? Book a demo →

Before you decide

What people ask about bank reconciliation

What is bank reconciliation?

It is checking that the transactions on your bank statement match what you have in your accounts: every payment in with its invoice and every payment out with its expense. Whatever doesn't fit gets reviewed.

Do I have to give it access to my bank?

No. It works with the statement you download, in Excel or CSV. Your bank credentials stay with you.

Does it work with my accounting software?

It works with the lists your software exports, in Excel or CSV. That way it doesn't depend on which software you use.

What about personal data?

To match transactions it only needs the date, the amount and the reference. You don't have to show it names, full IBANs or tax numbers.

Does it close it on its own?

No: it proposes the matches and sets the doubtful ones aside. Anything that isn't clear is for you to decide.

How often can it be done?

Whenever you like. The usual thing is to schedule it once a month, or every week if you have a lot of transactions.

Keep learning

Other guides you might find useful

How to build a dashboard with AIYour Monday numbers, prepared and explained.Read the guide How to automate tasks with AIWhat you repeat every week, done on its own.Read the guide How to create an AI agent without codingFor example, an agent just for finance.Read the guide

Create your hablo agent and get superpowers

From €9.99 a month.

Your private agent, ready in under 1 minute
Set up and maintained by us, with support in your language
Your data in the EU, under the GDPR
No lock-in: cancel whenever you like

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