As of 13 August 2026, AI can reconcile your business credit card.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Open your business credit card provider and export the complete statement for the accounting period in CSV or spreadsheet format, including transaction dates, descriptions, payments, credits and balances.
   2. Export the same period from your bookkeeping system, including the card account ledger, existing categories, VAT codes, transaction IDs and reconciliation status.
   3. Gather the receipts and invoices for the card transactions, rename them with the transaction date and supplier, and remove unrelated personal information before uploading or pasting them.
   4. Paste the business context, statement export, ledger export and supporting-document list into the prompt, then ask the AI to produce the transaction match and exception report.
   5. Compare the reported opening and closing balances and difference against the card statement, then trace every unmatched or duplicated item back to the original statement and ledger row.
   6. Check each proposed correction against the receipt or invoice and your bookkeeping policy, and mark ambiguous business purpose, account-code or VAT items for your bookkeeper or accountant.
   7. Enter only confirmed corrections in your bookkeeping system, rerun the reconciliation, and save the final report with the statement and supporting documents.

   Prompt

   Reconcile the business credit card transactions below against the bookkeeping ledger and supporting documents. Use only the information I provide and do not invent missing transactions, dates, suppliers, VAT rates or account codes.
   
   Business and accounting context:
   - Business type: [business type]
   - Accounting basis: [cash or accrual]
   - VAT registered: [yes or no]
   - Accounting period: [period]
   - Currency: GBP
   
   Credit card statement:
   [Paste the statement export or table here]
   
   Bookkeeping ledger:
   [Paste the relevant ledger export or table here]
   
   Receipts and invoices:
   [Paste or describe the supporting documents here]
   
   Produce:
   1. A transaction-by-transaction reconciliation showing the card statement date, supplier, amount, currency, ledger match and source document.
   2. The statement opening balance, payments, credits, charges and closing balance, with arithmetic shown.
   3. A separate list of unmatched, duplicated, missing and possibly misdated transactions.
   4. For each exception, state exactly what evidence is missing and what I need to check.
   5. Flag transactions where the business or personal purpose, expense category, VAT treatment or account code is unclear. Do not decide these items without evidence.
   6. State whether the statement closes to the ledger based only on the supplied data. If it does not, show the difference.
   7. Give a short list of proposed corrections, clearly marked as proposals rather than completed entries.
   
   Do not claim that the reconciliation is complete if any balance, transaction or supporting document is missing. Keep personal data to the minimum needed. End with a checklist of items for me or my accountant to confirm. This is not professional advice.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.