As of 13 August 2026, AI can only partly reconcile your business transactions.

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, power-user skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Open your bank account and accounting system, export the same period in CSV or XLSX format, and retain the original files without editing them.
   2. Export the relevant invoice, bill or payment-reference list, then record which columns identify the transaction ID, date, amount, counterparty and reference.
   3. Remove unnecessary personal data, rename the files clearly, and write down the matching rules you already use, including any permitted date difference and treatment of bank fees or transfers.
   4. Open an approved AI chat or Julius, paste the prompt, upload the exports and provide the column descriptions and matching rules.
   5. Check the reported bank total, ledger total and unreconciled difference by calculating them independently in your spreadsheet.
   6. Inspect every possible match, unmatched row and duplicate flag against the original bank and ledger records, and mark each decision in a separate review column.
   7. Send the confirmed exception list and supporting references to your bookkeeper or accountant before posting corrections or using the reconciliation for VAT, accounts or management reporting.

   Prompt

   Act as a reconciliation assistant, not an accountant. I will provide a bank transaction export, an accounting ledger export and, where available, invoice or payment references for [PERIOD]. Reconcile the records without inventing, deleting or altering any transaction. Use [MATCHING RULES, FOR EXAMPLE: exact amount and date within three days, then reference or counterparty]. Return: 1) a table of high-confidence matches with the bank row ID, ledger row ID, date, amount and evidence; 2) possible matches requiring my decision; 3) unmatched bank transactions; 4) unmatched ledger transactions; 5) duplicate or suspicious rows; and 6) totals for each source and the unreconciled difference. Preserve the original values and flag missing or inconsistent fields. Do not classify expenses, decide VAT treatment, create journal entries, or say the accounts are complete. State every assumption and show the calculation behind each total. If the files are incomplete or the columns are unclear, stop and list exactly what is missing. Treat all uploaded data as confidential and use only the data provided.

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