Bank reconciliation software that finishes itself

For decades, bank reconciliation has meant exporting a CSV, importing it into your accounting tool, and hand-matching every line. Modern bank reconciliation software flips that: the statement pulls itself in via a direct feed, the AI matches what it can, and your only job is to triage what is left.

HelloBooks does this with one click for 11,000+ U.S. banks via Plaid, every major U.K. bank via Open Banking, and direct integrations for the top banks in India, Australia, Canada, Singapore, New Zealand, and the UAE.

Reconciliation is a matching problem with edge cases. Most transactions match cleanly on date and amount. The hard ones are partial payments, batched deposits, FX adjustments, returned ACHs, and bank fees that hit on a different date than the underlying transaction. HelloBooks scores each candidate match on a confidence scale and explains why it picked one over another.

• One-to-one match: same date, same amount, same memo — auto-matched
• Many-to-one: a batched deposit from your payment processor is split across multiple invoices
• Date drift: a payment that posted to the bank two days after the customer paid it
• Currency conversion: FX-adjusted amounts matched with bank-rate verification
• Bank fees and adjustments posted as separate journal entries with audit trail
• Returned items linked to the original transaction so the AR ledger stays accurate

When the period closes, HelloBooks produces a reconciliation report that shows opening balance, every cleared item, every outstanding item, and the closing balance — with a one-click drill-down into the underlying transactions. The report exports as PDF or CSV with the AI’s confidence scores stripped (auditors do not want to see those) or kept (your CFO will).

Every match the AI made is logged with the model version and the alternatives it considered, so an auditor can replay any decision.

Reconcile dozens of bank accounts across multiple legal entities and currencies from a single workspace. HelloBooks consolidates the reconciliation status across the workspace so a senior reviewer can see at a glance which accounts are clean, which have outstanding items, and which are blocked on a missing receipt.