Banking & reconciliation

Bank reconciliation that takes minutes, not weekends

Import your bank statement, and Zivobooks suggests a match for every line: this deposit is that invoice, this debit is that bill. You confirm, and your books agree with the bank.

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Every statement format

OFX/QFX, SWIFT MT940, ISO 20022 camt.053 and CSV, with no column mapping for the standard formats.

Smart matching

Each transaction is matched against open invoices, bills and payments, with suggestions you confirm in one click.

Bank rules

Teach Zivobooks once that “ESKOM” is electricity, and it remembers next time.

No double imports

Import the same statement twice by accident and nothing doubles up.

Month-end reconciliation

Reconcile each account to the statement balance, with any difference shown plainly and the result kept on record.

Many accounts, many currencies

Cheque, savings and US dollar accounts side by side, each in its own currency, with exchange differences on payments posted automatically.

Know your real cash position

An account balance on its own doesn’t tell you much. Reconciled books do: they show what you’ve really earned, what you’ve really spent and what’s still outstanding. Zivobooks makes reconciliation a weekly ten-minute habit instead of a painful year-end project.

Works with the banks you use

FNB, Absa, Standard Bank, Nedbank, Capitec Business, Stanbic, CBZ, Zanaco, Emirates NBD, ADCB, Al Rajhi, SNB and most other banks export at least one of the formats we read. Download the statement from your online banking and drop it in.

Banking & reconciliation: your questions

Can’t find what you’re looking for? Ask us directly, and a person will answer.

Do you connect directly to my bank?

Today you import statements that you download from your bank. It works with every bank and doesn’t require you to share your banking login with anyone.

What if I import a statement twice?

Nothing doubles up. Each transaction is recognised, so re-importing an overlapping statement only adds the lines that are new.

Works hand in hand with

Getting paid Mobile money, cards and bank transfers, with reminders that do the chasing for you. Bills & expenses Snap a receipt on WhatsApp, approve the bill, pay suppliers in bulk. Accounting & reports Real double-entry books with P&L, balance sheet and cash flow, always up to date.

Give your business the back office it deserves.

Try every feature free for 30 days. No card, no contract, and your data is always yours to export.

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30 days free · Then from $5 a month · Cancel any time · Works on phone, tablet and computer