Unmatched
- Shown with up to three suggestions.
- Counts against completing any statement dated on or after it.
Accounting · Bank reconciliation
The bank and the books, agreed to the cent.
Import the statement, let AWRA match the lines that have only one possible ledger entry, and resolve the rest yourself — match, enter or ignore. A statement can be completed only when nothing is left unexplained, and completing it locks every line it cleared.
CSV, OFX and MT940 · Suggestions within ten days · Many entries to one line · Enter bank charges in place · Locked on completion
Bank statementLedger · bank account
+125,000.0023 Sep · RTGS JUA KALI LTD
1:1
+125,000.0022 Sep · Receipt, Jua Kali Ltd
+61,700.0024 Sep · CASH DEP WESTLANDS
3:1
+18,200.0023 Sep · Till takings
+21,500.0024 Sep · Till takings
+22,000.0024 Sep · Receipt, cash
−1,250.0025 Sep · LEDGER FEE
enter
−1,250.00New entry · Bank charges
Unresolved lines 0Difference 0.00 Ready to complete
±10 dayswindow in which a ledger entry is offered as a candidate
To the cententries must add up exactly to the line they are matched to
Many → 1several receipts can clear one deposit
0.00difference required before a statement can be completed
Lockedevery line a completed statement cleared
Two different questions
Your records against your ledger, or your ledger against the bank.
AWRA answers both, on two screens, because they catch different errors. The four reconciliation ties compare figures that are all inside AWRA. Bank reconciliation compares the ledger with a document from outside it — the one record nobody in your organization can edit.
| Reconciliation ties | Bank reconciliation | |
|---|---|---|
| Compares | Stock with the inventory account, open orders with payables, debits with credits, the payments register with bank and cash. | Each line on a bank or M-Pesa statement with the ledger entries on that account. |
| Source of the other side | Your own records in AWRA. | The bank’s statement, uploaded, emailed or fed in. |
| Catches | Posting errors, unposted settlements, stock that drifted from its account. | Bank charges nobody booked, receipts that never cleared, payments recorded at the wrong amount, money the bank moved on its own. |
| Runs | Live, every time you open it. | Line by line, then completed to a statement date and locked. |
| Leaves behind | A view of the position now. | A saved reconciliation per statement date, with who completed it and when. |
From statement to locked
Seven steps, and only the last one is final.
Add the bank account
Link it to an existing asset account in your chart, or let AWRA open a new one. Set the date to reconcile from, so older entries stay out of the way.
Bring in the statement
Upload a CSV, OFX or MT940 file of up to five megabytes, or let a bank feed deliver it. A first CSV stops once to map its columns.
Match the obvious ones
One click matches every line that has exactly one possible ledger entry, where no other line is competing for that entry.
Review the suggestions
Every remaining line shows up to three candidates, best first. Pick one, or tick several that add up to it.
Resolve the rest
Enter a bank charge or interest straight into the books from the line, or ignore a line that needs no entry.
Check the date and balance
Type the statement date and closing balance and see the ledger balance, the outstanding items and the difference, before anything is saved.
Complete and lock
Allowed only with no unresolved lines and no difference. The figures are saved, the lines locked, and the completion written to the audit log.
How a suggestion is chosen
Strict about the amount, patient about the date.
A suggestion engine that guesses at amounts makes work rather than saving it. So a candidate must be the exact amount in the right direction; only then do the date and the narrative decide the order.
- Same directionMoney in on the statement is only matched to money into the bank account in the ledger, and money out to money out.
- Exactly the same amountNo tolerance. A line of 125,000.00 is never offered an entry of 124,990.00.
- Within ten days either sideA cheque banked on Friday that clears on Tuesday is still found.
- Not already clearedAn entry clears one statement line at most, and only entries on this account from the reconcile-from date are offered.
- Then rankedBy days apart, with each word of four letters or more shared between the line and the entry worth five days. Closest first.
+125,000.00 · RTGS JUA KALI LTD · 23 SepTwo exact-amount candidates on the account
| Ledger entry | Days apart | Shared words | Score |
|---|---|---|---|
| 22 Sep · Receipt, Jua Kali Ltd | 1 | “kali” · −5 | −4 |
| 27 Sep · Receipt, Mwangi Hardware | 4 | none | 4 |
Lowest score first. Because there are two candidates, this line is shown as a suggestion and left for a person — the one-click match only takes lines with a single candidate that no other line wants. “Jua” is three letters, so it is not counted.
The life of a statement line Arrives as Resolved by Resolved by On completion
Every line ends in one of three places, and then it is locked.
Matched
- To one entry, or several that add up to it exactly.
- Or entered: posted to the account you choose, dated the line’s date, then matched.
- Can be unmatched until it is locked.
Ignored
- For a line that needs no entry in your books.
- Recorded with who ignored it and when.
- A matched line must be unmatched first.
Locked
- Every matched or ignored line up to the statement date.
- Cannot be unmatched, ignored or entered again.
A worked reconciliation
A current account, reconciled to 30 September.
Illustrative figures, laid out the way AWRA computes them. Every statement line up to 30 September has been matched, entered or ignored, so all that is left is what is in the books and not yet on the statement.
Current account · KESStatement date 30 Sep 2026
Balance per ledgerEvery entry on the account up to 30 September1,284,350.00
Less: receipts in the books, not yet on the statement1 entry(86,500.00)
30 Sep · Cheque deposit, Kilimani Builders86,500.00
Add: payments in the books, not yet on the statement2 entries142,800.00
28 Sep · Cheque 000412, Athi River Steel97,300.00
29 Sep · Cheque 000413, Rift Valley Timber45,500.00
Adjusted ledger balance1,340,650.00
Closing balance per statementTyped from the bank’s statement1,340,650.00
Difference0.00
What refuses completion
- Unresolved lines. Any statement line on or before the statement date that is still unmatched. The message says how many.
- Any difference at all. Down to the cent. The message says by how much, so you know whether you are looking for a fee or a typo.
- A date already reconciled. Each completion must be later than the last one on that account, so statements are closed in order.
- A closed month, for entering. A line in a month you have closed cannot be posted from the reconciliation screen. Reopen the month, or post it by manual journal in an open one.
Capabilities
What the reconciliation screen does.
Bank accounts on your chart
Each bank account is tied to one asset account — an existing one, or a new one AWRA opens for it — with bank name, last four digits and currency.
CSV with a saved mapping
Guessed from the header row, confirmed once: signed amount or money in and out, date format, decimal comma, running balance. Reused for every later file.
OFX and MT940 as they come
The bank’s own transaction IDs and dates, with no mapping step. Re-importing an overlapping file adds only the new lines.
Match the obvious ones
A single click that matches only the uncontested lines, and says how many it matched.
Several entries, one line
A deposit made of three days of till takings clears against all three, provided they add up to it exactly.
Enter from the line
A ledger fee, interest or a direct debit nobody booked is posted against the account you choose and matched in one step.
Work the queue
Filter the statement to unmatched, matched, ignored or everything, fifty lines at a time.
A history of completions
Each completed statement keeps its date, both balances, the outstanding totals, who completed it and when.
Its own permission
Reconciling is a separate permission from viewing or editing accounts, on the Premium and Enterprise plans. The same actions are on the API the AWRA mobile app uses.
What AWRA OpsHub does today
- Statement import from CSV, OFX, QFX and SWIFT MT940, with a CSV column mapping saved per bank account and every line fingerprinted against duplicates.
- Suggestions on exact amount and direction, within ten days either side, ranked by date distance and shared words in the narrative.
- A one-click match for uncontested lines only: a single candidate, and no other line wanting the same entry.
- Many ledger entries to one statement line, refused unless they add up to it to the cent.
- Entering a missing item from the line itself, posted and matched together, and refused in a closed month.
- A live preview of the reconciliation at any date and balance: ledger balance, outstanding receipts and payments, adjusted balance and difference.
- Completion that requires zero unresolved lines and zero difference, in date order, locking every line it cleared and writing to the audit log.
More we can add to your workspace
- Saved matching rules, so every line whose narrative reads “LEDGER FEE” is entered against bank charges without anyone choosing the account.
- One ledger entry cleared across several statement lines, for the payment the bank chose to split.
- The closing balance read off the statement file and filled in for you, from the running balance the bank already sends.
- A hold on editing or deleting a ledger entry once a completed reconciliation has cleared it.
- Reopening a completed reconciliation with a recorded reason, for the statement the bank later corrects.
- A printable reconciliation statement in the classic layout, signed off and ready for the audit file.
- Bulk actions on the queue — ignore or enter a whole selection of lines in one step.
Where we point you to a specialist
- We complete a statement only when it agrees, and would decline to post a difference to a suspense account to force it. A reconciliation balanced by force reads as finished and hides exactly the error it was run to find.
- Whether a bank charge belongs to this period or the next, and how a disputed line should be treated, is a judgment for your accountant. The screen records what was decided and who decided it.
Each row in the middle column is scoped work on a reconciliation that already has the parsers, the matching and the lock to hang it on. Tell us which one your month end keeps waiting for.
Explore next
The pages on either side of a match.
Bank feedsM-Pesa every 30 minutes and statements by email, so the lines arrive without an upload.
General ledgerThe entries each statement line is matched against.
Payments & collectionsWhere customer receipts are recorded before they clear the bank.
Vendor paymentsThe supplier payments that show up as outstanding until the bank pays them.
Reconciliation tiesThe four internal checks: stock, payables, debits and credits, and the payments register.
Accounting overviewThe whole accounting module, from the chart of accounts to the statements.
Frequently asked questions
Which bank statement files can I import?
CSV, OFX (including QFX, in the older SGML form and the XML form) and SWIFT MT940, up to five megabytes per file. The format is recognised from the file itself. A CSV from a bank you have not imported before stops once at a column-mapping step, where AWRA guesses the date, description, reference and amount columns from the header row and you confirm them; the mapping is then saved on that bank account for every later file. Statements can also arrive on their own through a bank feed.
How does automatic matching decide?
A ledger entry is a candidate for a statement line only if it is on that bank’s ledger account, in the same direction, for exactly the same amount, dated within ten days either side, and not already cleared. Candidates are ranked by how many days apart they are, with each shared word of four letters or more in the reference or description counting as five days closer. The one-click match takes a line only when it has exactly one candidate and no other line is proposing the same entry; everything else is left as a suggestion for a person.
Can one statement line match several ledger entries?
Yes. A cash deposit made up of three days of till takings can be matched to all three receipts at once, as long as they add up to the line exactly. If they do not, the match is refused and both totals are shown. The other direction — one ledger entry spread over several statement lines — is something we can add to your workspace.
What do I do with a bank charge that is not in the books?
Enter it from the line. Choose the account it belongs to, such as bank charges or interest, and AWRA posts the entry on the line’s date against the bank account and matches it in the same step. If the line falls in a month you have closed, entering is refused, and you either reopen the month or post a manual journal in an open one. A line that needs no entry at all can be ignored instead.
When can a reconciliation be completed?
When three things are true for the statement date and closing balance you enter: no statement line on or before that date is still unmatched, the statement balance equals the ledger balance adjusted for outstanding receipts and payments to the cent, and the date is later than the last completed reconciliation on that account. You can preview the figures at any date and balance before completing.
What does completing lock?
Every matched or ignored statement line dated on or before the statement date that was not already part of an earlier reconciliation. A locked line cannot be unmatched, ignored or entered again. The completion itself is saved with the statement date, the statement and ledger balances, the outstanding receipts and payments, who completed it and when, and an entry is written to the audit log.
How is this different from the reconciliation screen?
The reconciliation screen runs four ties between figures that are all inside AWRA: stock against the inventory account, open purchase orders against payables, debits against credits, and the payments register against bank and cash. Bank reconciliation compares your ledger with the bank’s own statement, line by line, which catches the things only the bank knows about — charges, interest, a cheque that never cleared.
Which plans include bank reconciliation?
Premium and Enterprise. Reconciling needs its own permission, separate from viewing or editing accounts, and adding a new bank account also needs the permission to manage accounts. The same actions are available over the API the AWRA mobile app uses.
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