Bank CSV to Ledger Bookkeeping & Reconciliation

Bank CSV to Ledger Bookkeeping & Reconciliation is a complete small-business bookkeeping workbook built around the file every bank lets you download. Choose the account and paste the export into the Import tab exactly as downloaded, header row included. A CSV profile for each bank says which column holds the date, description and amount, so different bank layouts work side by side: signed amounts, separate money-in and money-out columns, amounts with a DR/CR column, card exports where charges are positive, US, European and ISO dates, and 1,234.56 or 1.234,56 number formats. Header, blank and total rows are skipped automatically.

The Bank Feed tab cleans every line: it reads the date and amount, signs the amount correctly and applies your keyword Bank Rules, with direction and amount limits, where the first match wins. Each line gets a status of OK, Review or Error with the reason. The checks catch exact duplicates from overlapping exports, possible duplicates within a few days, balance breaks where the bank's running balance shows a missing line, unreadable dates or amounts, uncategorized lines, unmatched transfers between your own accounts, unusual amounts compared with the category average, and dates before the books start or in the future. You fix issues without touching the bank data: set a row to Exclude or Reviewed, or choose an override account.

Clean lines become double-entry postings on the bank account and the category account, together with your manual journal entries for depreciation, uncleared cheques, accruals and corrections. Transfers between your own accounts post once. The postings feed a Trial Balance with a debits-equal-credits check, a monthly Profit & Loss, a Balance Sheet with a balance check, and an Account Ledger with a running balance for any account.

The Reconciliation tab compares each statement's closing balance with your book balance, allows for deposits in transit and outstanding payments, and explains any difference: missing CSV lines, duplicates, unfixed errors or an import that ends early. The Dashboard shows lines imported, the share auto-categorized, issues to fix with how to fix them, reconciliation status for every account, money in and out excluding transfers, net profit, cash in bank, income versus expenses by month, top expenses and the most used rules.

Capacity covers 2,000 bank lines, 150 rules, 150 accounts, 300 journal lines and 6 bank or card accounts. Over 150,000 formulas sit in locked cells and protection has no password, so you can unprotect any tab to customise it. A fictional design studio's sample data, including deliberate duplicates and a missing line, shows every check working. Built for Microsoft Excel 2016 or later (desktop or Excel for the web) and contains no macros.