Bank lines matched to your books,
exceptions surfaced, not buried
Reconciliation is hours of matching obvious transactions against a handful of genuine discrepancies, and most of that time goes to the obvious part. We build an agent that pulls your bank or card feed, matches lines to your ledger automatically, and leaves a short, real list of exceptions for the person who actually needs to think about them.
The process today
Reconciliation is, by volume, mostly boring: the great majority of bank and card feed lines match an entry in the ledger exactly, same amount, same date, obvious counterparty, and a bookkeeper’s actual judgment is needed on a small minority of lines, a timing difference, a bank fee, an FX conversion that lands a few cents off. The problem is that the boring majority still has to be checked line by line before anyone can be sure which lines are the real exceptions.
The second cost is frequency. Many teams only reconcile at month-end, which means a genuine error, a double payment, a transaction that should not be there, sits undetected for weeks before anyone notices, by which point it is harder to trace back to its cause.
The third is that reconciliation work competes with everything else finance has to do at month-end close, so it gets rushed exactly when accuracy matters most.
What the agent does
The agent pulls your bank or card feed on a schedule, daily or weekly rather than only at month-end, and matches each line against your ledger automatically: same amount and date gets matched outright, and known patterns like recurring transfers, standard fees and typical FX differences get matched against a rule set your team defines. What is left after automatic matching is a short, real exception list, ranked by amount and age, instead of the full line-by-line read a bookkeeper used to have to do.
Each reconciliation run produces a summary: how many lines matched automatically, what is still open, and how that compares to the prior period, so a controller can see at a glance whether the process is running smoothly or whether something has changed (a new bank, a new payment method, a vendor that changed its invoicing pattern) that needs a rule update.
What stays with humans
The exception list is reviewed by a bookkeeper, and any correcting entry, a reclassification, a write-off, a dispute with the bank, is posted by a person, never automatically. The matching rules themselves, what counts as a normal FX variance, which recurring transfers are expected, are set by your team and adjusted as your business changes, not inferred silently by the agent.
Guards
Every matched and unmatched line is logged, so a full reconciliation trail exists even for lines that matched automatically, not just the exceptions. No correcting or adjusting entry is posted without a human signing off, and large or unusual exceptions are flagged with extra prominence rather than buried at the bottom of a long list.
Price and timeline
| Option | Price | What it covers | Timeline |
|---|---|---|---|
| Single automation | from $500 | One bank account, one ledger, daily or weekly matching | 3 to 8 days |
| Department package | from $2,500 | Bank reconciliation plus invoice processing and expense categorisation across your finance team | 2 to 4 weeks |
Running cost is usually $10 to $40 a month in model usage depending on transaction volume, with a budget cap set before launch.
Related
Pair this with invoice processing so the payment side of a posted invoice closes automatically once it clears the bank, and with expense categorisation so matched lines are already coded correctly. For the collections side of the same ledger, see accounts receivable reminders. The full package breakdown is on the AI agents service page and the automation-everything overview; for a real finance rebuild this kind of matching runs inside, see the factory ERP recovery case study and the margin-guard logic in the ProBay AI agent team case study.
Ready to stop reconciling the obvious lines by hand? Get in touch and we will look at your bank feed in the first call.
Tired of doing this by hand? We can take the whole routine off your team, not just this step: Routine takeover, from $400 →
FAQ
How much does automated bank reconciliation cost?
from $500 for one bank account and one ledger; more accounts or currencies add time, quoted after a short review.
How long does setup take?
3 to 8 days once we have read access to your bank feed and ledger.
What systems does it use?
Your accounting system's ledger plus your bank or card provider's feed or statement export.
What happens with a genuine discrepancy?
Anything that does not match cleanly, an unexpected fee, a timing difference, a real error, goes to the exception list for a bookkeeper; the agent never posts a correcting entry on its own.
Is our bank data secure?
Bank data is read through the connections you authorize and used only for matching; we do not store statements beyond what reconciliation requires.