ZepDesk accounting software
ZepDesk
Sign in Try it free
Home / Bank reconciliation

Bank transactions in, bookkeeping done.

Connect your business account via finAPI or import the statement as MT940 or CSV. For every transaction, ZepDesk suggests the matching document or the open invoice.

Business account with matched documents and match status in ZepDesk
finAPI
Bank connection under PSD2
MT940 / CSV
Import without account access
1 click
per confirmed match
€0
Surcharge for banking features

The moment that matters: transaction meets document.

A bank transaction without a document is an open question that creates work at month-end. ZepDesk proposes the link; you confirm it with one click. Keep scrolling to see it happen.

BANK TRANSACTION
Ingenieurbüro Weber
+3.427,20 €
18.03.2026 · Reference: MC-2026-003 Process consulting
RECEIPT OPEN
OUTGOING INVOICE
MC-2026-003
3.427,20 €
Due 17.03.2026 · Payment term 14 days · open
SUGGESTION

Demo values from the sample account. Amount, date, and reference are the three attributes ZepDesk matches on.

A suggestion instead of guesswork

For each transaction, ZepDesk checks the amount, date, reference, and payee and suggests the matching document. Matched rows are shown calmly; open ones stay at the top.

Payment reconciliation for supplier and customer invoices in one pass.
Partial payments and batch transfers are split rather than discarded.
Rules for recurring entries such as rent or membership fees.
Detail view of a bank transaction with a document suggestion
Payment reconciliation of a customer invoice in ZepDesk

Cash book for everything that runs on cash

You record cash receipts and payments in the cash book with sequential numbering and a daily close. For point-of-sale systems, the technical security device (technische Sicherheitseinrichtung, TSE) under § 146a AO is available.

Daily close with cash balance and discrepancy log.
TSE integration for the point-of-sale plugin, GoBD-compliant (Germany's principles for proper digital bookkeeping).
Private deposits and withdrawals shown separately.
Go to bookkeeping

Questions about the bank connection

Does ZepDesk need access to my online banking?

Only if you choose the finAPI connection. In that case you grant the authorization under PSD2 at your bank, not with us. Alternatively, you import the statement as a file, and the account stays untouched.

Which banks are supported?

Via finAPI, the large majority of German banks and savings banks (Sparkassen). File import works with any bank that exports MT940 or CSV.

Can I keep multiple accounts?

Yes, any number of bank accounts per company, including credit card and PayPal accounts as their own payment methods.

Connect your account and reconcile.

First match in a few minutes, with no setup fee and no minimum term.

Try it for free Schedule a call