How Banking Reconciliation Works in Saldio

For many SMEs, bank reconciliation is still one of the most time-consuming administrative tasks.

Payments are checked manually, invoices are searched in different systems, and accounting entries are often created separately.

Modern business software can automate large parts of this process.

What Is Bank Reconciliation?

Bank reconciliation means matching incoming and outgoing bank transactions with:

• customer invoices
• supplier invoices
• payments
• accounting entries

The goal is to ensure that all transactions are correctly assigned and booked.

The Typical Manual Process

In many companies, the process still looks like this:

1. Download bank statement manually
2. Open e-banking and accounting software separately
3. Search for invoices manually
4. Compare amounts and references
5. Create accounting entries manually
6. Mark invoices as paid

This often leads to:

• duplicate work
• incorrect assignments
• missing payments
• delayed accounting
• lack of transparency

How Saldio Automates Reconciliation

Saldio automates large parts of the reconciliation workflow.

The process typically works as follows:

1. Import Bank Transactions

Bank transactions are imported via CAMT files such as:

• CAMT.053
• CAMT.054

These files are part of the Swiss ISO 20022 banking standard.

They contain:

• incoming payments
• outgoing payments
• booking details
• references
• account information

2. Automatic Transaction Matching

Saldio automatically analyzes imported transactions.

The system compares:

• QR references
• invoice numbers
• IBANs
• payment amounts
• customers and suppliers

with existing invoices and accounting data.

3. Automatic Assignment

If a clear match is found, the transaction can automatically be linked to:

• customer invoices
• supplier invoices
• existing accounting entries

This significantly reduces manual work.

4. Open Items Overview

Transactions that cannot automatically be assigned remain visible in a central overview.

Users can then manually:

• review transactions
• assign invoices
• split bookings
• create corrections

5. Automatic Accounting Entries

Once the transaction is reconciled, Saldio can automatically generate the accounting entry.

Example:

Transaction	Debit	Credit
Customer payment	Bank	Accounts receivable
Supplier payment	Accounts payable	Bank

This keeps accounting continuously up to date.

Benefits of Automated Reconciliation

Automated reconciliation provides several advantages:

Benefit	Result
less manual work	lower administrative effort
faster reconciliation	real-time visibility
fewer errors	higher accounting quality
automatic matching	improved efficiency
centralized banking overview	better control
integrated accounting	seamless processes

Why CAMT Files Matter

CAMT files are the foundation of modern Swiss banking integrations.

They provide structured transaction data directly from the bank.

Compared to manual bank statement processing, this enables:

• faster imports
• more reliable matching
• automated workflows
• cleaner accounting processes

Why SMEs Benefit the Most

Small businesses often manage:

• invoicing
• payments
• banking
• accounting

with very limited resources.

Automated reconciliation helps reduce administrative overhead and improves financial transparency.

Even companies with only a few transactions per day can save many hours per month.

The Saldio Approach

Saldio combines:

• banking
• invoicing
• QR payments
• accounting
• document management

within one integrated system.

The result:

• fewer disconnected tools
• fewer manual processes
• better visibility
• simpler workflows

Conclusion

Bank reconciliation should not require hours of manual checking.

By combining:

• CAMT imports
• automatic matching
• integrated accounting
• centralized payment management

Saldio helps Swiss SMEs simplify one of the most important daily financial processes.

From order to balance.