Documentation

Banking overview

Add bank and card accounts, bring in transactions by live connection or statement import, review them, and reconcile.

Plans
Core and above
Availability
Available
For
Owners, Bookkeepers
In KontoCore
Banking → Accounts

Live bank connections: Provider connection required. Manual accounts and statement import work without a provider.

In plain English

Banking is where the money that actually moved in your accounts meets your books. You bring in the bank’s list of transactions, decide what each one was, and then confirm the totals agree with the statement.

What this does

Each bank or card account in KontoCore is linked to an account in your chart of accounts.

Transactions arrive from a live connection (when a provider is connected), from a statement file you upload, or by manual entry.

Imported transactions wait in a review queue until you categorize, match, or mark them as transfers.

Reviewing bank transactionsDecide whether each imported transaction is a new categorized record, a match to an existing record, or a transfer between your own accounts.Reconciling an accountConfirm your books agree with the bank statement for a period, from start to finish, and resolve a non-zero difference.Banking rules and transfersCreate rules that suggest or apply categories for recurring transactions, and record transfers between your own accounts correctly.Bank and card accountsAdd checking, savings, credit card, cash, and loan accounts, link each to the chart of accounts, set opening balances, and connect or import activity.Bank rulesCreate rules that suggest a category, payee, class, or split for matching bank lines, and control whether suggestions wait for review or apply automatically.Transfers between your accountsRecord money moving between your own bank, card, and loan accounts as a transfer so it is never counted as income or expense, and match both sides.Banking integrity issuesReview deterministic banking checks — possible duplicates, unmatched transfers, reconciled lines that changed, balance gaps — and resolve each with evidence.

Before you start

  • Have recent statements available for each account.
  • Know each account’s balance as of the date you start tracking it.

How to

Add an account manually

  1. 1Open Banking → Accounts and choose Add account.
  2. 2Choose the type (checking, savings, credit card, loan) and name it.
  3. 3Enter the opening balance and date, or leave it to migration.
  4. 4Save. The matching chart-of-accounts account is created or selected.

Import a statement

  1. 1Open the account and choose Import.
  2. 2Upload a CSV or supported statement file.
  3. 3Map columns (date, description, amount or debit/credit) and preview.
  4. 4Confirm. Duplicates of already-imported lines are flagged before anything is added.

Link a live connection

  1. 1Choose Link account and follow the provider’s secure sign-in.
  2. 2Select which accounts to link.
  3. 3New transactions arrive in the review queue automatically.

Provider connection required

Live bank links depend on a compatible banking data provider being configured and supporting your institution. Provider availability and any cost are disclosed before activation. Statement import always remains available.

Common mistakes

  • Linking the same account twice, causing duplicate transactions.
  • Entering an opening balance and also importing history that produces the same balance.

Troubleshooting

My bank isn’t listed

Use statement import. Live coverage depends on the provider.

Transactions stopped arriving

The connection may need you to sign in again at your bank. See Troubleshooting → Provider connection required.

Terms used:ReconciliationTransferOpening balance

Related articles

Reviewing bank transactionsDecide whether each imported transaction is a new categorized record, a match to an existing record, or a transfer between your own accounts.Reconciling an accountConfirm your books agree with the bank statement for a period, from start to finish, and resolve a non-zero difference.Banking rules and transfersCreate rules that suggest or apply categories for recurring transactions, and record transfers between your own accounts correctly.Integrations and provider connectionsWhich capabilities depend on an external provider, what “Provider connection required” means, and what works without one.

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Last reviewed September 25, 2026