Help & Documentation

It tracks money in and out, then ties each transaction to the document it pays. Transactions arrive four ways: typed in by hand, imported from a CSV, imported from a camt.053 XML statement, or pulled straight from your bank over FinTS. The direct connection is offered in the Android app and the Mac app — not in the iPhone and iPad app. On the web you get a pointer to those apps instead, because banks do not allow a browser to talk to them directly. Not every bank accepts it either — see “Direct bank connection: why some banks refuse” below.

• Each transaction carries a booking date, amount, counterparty, and purpose text.
• An inflow can settle an invoice; an outflow can settle an expense.
• Linking a transaction to a document updates that document's payment status automatically.
• Everything can be exported to DATEV for your tax advisor.

The Banking page is where you add, import, filter and reconcile transactions. Click any row (on a phone, any card) to open its details.

• Under Add a transaction: Add manually, Import CSV, Import camt.053 and, where the direct connection is offered, Connect bank (FinTS).
• Beside the Unmatched and Suggested counters sit Find matches and two download buttons, Download CSV and Download DATEV (hover for their names). Clicking a counter filters the list to that status.
• Filters: status, Source (Manual, CSV, camt.053, Excel, Bank sync (FinTS)), Account, Date range, Amount range and a Search across counterparty, purpose, IBAN and reference. Quick filters — Unmatched > 7 days, Suggested and This month's income — set a common view in one click; Clear filters resets everything.
• Tick rows to get the bulk bar: Accept suggestions takes the engine's top candidate for every selected suggested row; Mark ignored, Re-link and Delete act on the whole selection; Clear selection deselects. Transactions that came in over a direct bank connection can be marked ignored but not deleted.
• Find matches runs the matching engine over your unmatched transactions and lists what it found under Suggested matches; Accept all links them in one go.
• Recurring payments — a collapsible panel above the list — groups outgoing payments that repeat (subscriptions, rent, insurance) with their rhythm, the next expected date and an approximate yearly total. It only appears when there is something to show.
• On the Accounting home page, the Banking tile shows how many transactions are unmatched and this month's inflow and outflow; click it to open Banking.

For a cash deposit, a correction, or an account you don't import from, type the transaction in yourself.

1. Click Add manually.
2. Pick the account, enter the booking date and the amount, and use the − / + button beside the amount to switch between money out and money in.
3. Add the counterparty, its IBAN and the purpose. They are optional, but each one makes the transaction easier to match later; the value date defaults to the booking date.
4. Save, or Save & add another to keep the form open for the next one; the account, booking date and currency carry over.

Most German banks export CSV. The import is a four-step wizard that auto-recognises common bank formats and lets you map columns by hand if yours isn't recognised.

1. On the Banking page, click 'Import CSV', choose the Target account, then pick your file (up to 10 MB). The separator is detected automatically.
2. Column mapping — recognised banks (Sparkasse, Volksbank, Commerzbank, Deutsche Bank, DKB, Postbank, ING, comdirect, N26, and more) map themselves; otherwise match each column to Date, Amount, Counterparty, Purpose, and IBAN.
3. Preview — check the first rows; any with parsing errors are flagged and won't be imported.
4. Confirm — the summary counts new rows, rows already imported (skipped) and parse errors, with 'Download errors.csv' for the broken ones. Click 'Import … rows' to finish; the new rows land in the list as Unmatched, ready to match.

camt.053 is the ISO 20022 XML statement most banks can export. Its five-step wizard adds an account-mapping and a balance check on top of the CSV flow.

1. Click 'Import camt.053' and choose the XML file.
2. Account mapping — if the file holds several accounts, map each statement's IBAN to one of your bank accounts.
3. Balance check — the app compares the statement's closing balance to your account; a mismatch is a warning, not a blocker.
4. Preview — review the rows and the per-statement summary. A statement with no bookings says so, and there is nothing to import.
5. Confirm — see exactly how many rows are new versus duplicates, then import.

Re-importing a statement you've already loaded won't create doubles. Each transaction gets a fingerprint, and rows whose fingerprint already exists are skipped.

• The fingerprint combines account, booking date, amount, currency, counterparty, IBAN, purpose text, and (for SEPA) the end-to-end reference.
• Two payments to the same vendor on the same day stay separate if their reference differs.
• If a bank rounds amounts or truncates text differently on a re-export, the fingerprint changes and the row may import again.

Imported transactions arrive as Unmatched. Nothing is linked behind your back: you either let Find matches propose links and accept them, or link a transaction yourself.

• Find matches scores every unmatched transaction against your open invoices and expenses and lists the confident ones under Suggested matches. Accept all links them in one go; anything it doesn't list you link by hand. Reminders (Mahnungen) are never proposed — link those from the transaction.
• Scoring weighs the amount, any invoice number found in the purpose text, the counterparty name, how close the date is, and a matching IBAN.
• In the link dialog, every candidate shows its score, and an account-mismatch warning if the payer's IBAN differs from both the contact's IBAN and the one on the invoice.
• Why this match? — open a transaction linked through Find matches to see each criterion's weight, whether it hit, and its share of the total score. A link you made by hand has no score, so the table does not appear.
• Once a payment is linked to an invoice whose customer has no IBAN on file, the transaction offers Save IBAN, so the next payment from them matches more easily.
• Cancelled reminder — if a payment is linked to a reminder whose invoice was later cancelled, the transaction shows a warning with Re-link and Remove.
• Returned payments (a bounced direct debit, a recalled transfer) are paired automatically with the linked payment they reverse: both are marked Ignored and the invoice or expense goes back to unpaid. Open either one to see the pair; Un-pair undoes it.

1. Open a transaction and click Link.
2. In Link bank transaction, pick the Invoices, Expenses or Mahnungen tab; candidates are ranked by score.
3. Check Allocate amount — it defaults to whatever the transaction and the document still have open — then click Link transaction. One transfer that pays several invoices is linked once per invoice.

Linking a transaction settles the document. Full or partial payments are both handled, and you can apply an early-payment discount where the invoice allows it.

• Link the full amount and the invoice moves to 'paid'.
• Link part of it and the invoice moves to 'partially paid'.
• An expense works the same way in several links: each partial link keeps it 'partially paid', and the link that covers the rest marks it 'paid'. An expense submitted to or approved by a project owner keeps its status — the link only records the amount
• Apply Skonto on the link when the customer took the early-payment discount.
• Unlink at any time to revert both the transaction and the document.
• The list's Linked column shows each link as a chip with the invoice number or expense ID; on a phone the chips sit on each transaction card. The invoice or expense lists its payments under 'Linked Bank Transactions', each with an Unlink button.

With cloud sync on, your banking follows you to every device you sign in to: accounts, transactions with their status and notes, links, match rules and receipts.

• A payment you link on one device shows as linked on the others, and the invoice or expense counts it as paid there too.
• Unlinking a payment or deleting a match rule removes it on your other devices. Revoking a bank connection archives its accounts rather than removing them.
• A linked transaction is Matched everywhere. Mark ignored is only available once it has no link, and ignoring keeps your notes.
• Links, match rules and receipt rows are uploaded encrypted. Receipt files go to private cloud storage, so another device can open them.
• If two devices record payments on the same invoice before they sync, both payments count.
• Banking made before this update is uploaded once, the first time each device signs in after it.

Hand your bank ledger to your tax advisor with one click. The Download DATEV button beside the counters saves a ZIP with two sheets in the German DATEV layout: the transactions, and the links that tie each one to an invoice or expense. Download CSV saves a plain CSV instead.

• Both downloads contain exactly the transactions the list is showing, so set the filters first — the date range, and every status if your advisor needs the complete ledger.
• Semicolon-separated, UTF-8 with the byte-order mark Excel expects.
• Outflows go in the Soll column, inflows in Haben, with the absolute amount alongside.
• Long purpose text is split across the DATEV reference fields.
• A receipts column shows how many attachments back each transaction.

Manage the accounts you import from under Settings → Accounting → Banking. The IBAN you store here helps the matching engine.

• Match scoring weights — five sliders for amount, reference, counterparty, date and IBAN, with Restore defaults. Find matches and the candidate list in the Link dialog score with these weights. Nothing is ever linked without your confirmation.
• Custom match rules can be written, edited and deleted, and they sync to your other devices — but matching does not apply them yet, as the section itself says.

1. Click 'Add account' (on an empty Banking page, 'Add your first account').
2. In Create bank account, enter the Account name, IBAN and BIC (both optional), the currency, and an Opening balance with its As of date.
3. Click Create — the account now appears as a Target account in the import wizards.
4. Later, Rename account, Edit opening balance or Archive an account you no longer use.

After the PIN, your bank asks you to confirm the login. Which form that takes is the bank's choice, and the wizard follows it — so the step looks different depending on the method your bank uses.

• A TAN you type — chipTAN, photoTAN or a classic TAN list. The bank shows or generates a number and the wizard gives you a field for it.
• An approval in your banking app — no number is shown anywhere. The wizard does not ask you to type anything; it waits and checks with the bank until you have tapped approve.
• While it waits, leave the page open. It re-checks on the schedule your bank sets, and there is an “I've approved it” button if you want it to look straight away.

Direct FinTS sync only works with banks that accept this app's FinTS product registration. That is each bank's own decision, and a few German banks currently decline it.

1. If the wizard says a bank does not support this app yet, the bank aborted the login before your credentials were checked — nothing is wrong with your PIN.
2. The signal that tells the two apart: a refusal ends the login before anything reaches your phone. If your banking app does show an approval request, registration succeeded — the login got that far — and you are looking at a different problem, so this section does not apply to you.
3. Retrying, changing your PIN or reconnecting will not help; the bank has to enable the app on its side.
4. Import that bank via CSV or camt.053 instead — everything downstream (duplicate detection, matching, DATEV export) works exactly the same.