Reconcile credit card statements against your expense records
Company cards produce dozens of small charges a month, from many people, with receipts that arrive late or never. BankReconciler matches the card statement against your expense export or ledger and shows exactly what is missing.
Company card
Statement closing March 25
| Charge | Card | Books |
|---|---|---|
| Software subscriptionExact match | -89.00 | -89.00 |
| Airline ticketMatched within date window | -612.40 | -612.40 |
| Office suppliesUnmatched in bank | -143.18 | |
| Refund, hotelReference match | 220.00 | 220.00 |
What a credit card reconciliation compares
- Card statement lines against expense report lines or the card liability account in your books
- Charges against refunds and credits from the same merchant
- Foreign currency charges against the converted amounts in your records
- Statement balance against the card liability balance at the closing date
What you find
Missing receipts
Charges on the statement with no expense line behind them, grouped by cardholder so you know whom to ask.
Duplicate charges
The same merchant and amount charged twice, ready for a dispute with the card issuer.
Unrecorded refunds
Credits from merchants that never made it into the books.
Fees and interest
Annual fees, late fees and interest charges that need an entry.
How to reconcile a credit card statement
- Download the card statement for the closing period as PDF, CSV or OFX.
- Export the expense report or the card liability account for the same period.
- Upload both files and run the reconciliation.
- Send missing receipt requests, record fees and refunds, and download the report.
Many cards, one board
On Business and Firm plans each card is its own account in the company workspace, and the period status board shows which cards are reconciled for the month. See pricing for account limits per plan.
Credit card reconciliation questions
How often should company cards be reconciled?
Every statement cycle. Card closing dates often differ from month end, so reconcile to the statement closing date.
Can I reconcile a card statement against receipts only?
Yes. Upload a list of receipts or expense lines as CSV or XLSX on the books side.
Does it handle charges in other currencies?
Yes. Matching uses the amount billed on the statement and a tolerance for small conversion differences you set.