Bank and credit card statements now match themselves to your receipts
Reconciling a statement by hand is one of the slowest jobs in bookkeeping. You open the bank or credit card statement, then you scroll through receipts and invoices trying to find the one that matches each line. It is careful, repetitive work, and it eats hours every month.
Spendifique now does the matching for you. This is our biggest feature to date. You upload a bank statement or a credit card statement, and Spendifique reads every line item and tries to match it to the invoices and receipts already in your account. It suggests each match, and you confirm. That is the whole job, done in a fraction of the time.
Here is what changed and how to use it.
Upload a statement, get suggested matches
When you add a bank statement or credit card statement, Spendifique reads the transactions on it and looks for the receipt or invoice that belongs to each one. For every line it finds a likely match for, it suggests the pairing so you are reviewing decisions instead of hunting through files.
You stay in control of every match. You can confirm suggestions one at a time when you want to check the detail, or confirm in bulk when a batch is clearly correct. Nothing is locked in until you approve it, so the statement gets reconciled at your pace without you doing the searching.
Foreign exchange transactions match too, at the real rate
Anyone who books foreign expenses knows this headache. You process an invoice in another currency, but you do not yet know the exchange rate your bank or card issuer actually used. So you post the expense using a system FX rate as a placeholder. Then the statement arrives, and you go back to correct every one of those entries by hand to the rate the bank charged.
Spendifique now handles this. When it recognizes a line as a foreign exchange transaction, it tries to match it to the related expense, the same way it matches everything else. When you confirm the match, it updates the expense entry to follow the FX rate shown on your bank or credit card statement. The placeholder rate is replaced with the real one automatically, so your books reflect what the bank actually charged without the manual cleanup pass at month-end.
That single step removes one of the most tedious corrections in multi-currency bookkeeping.
Missing receipt? Request it without the chasing
Reconciliation stalls on the same thing every month: a transaction with no receipt attached. Someone made the purchase, but the document never made it into the system, and now the bookkeeper is sending reminders trying to track it down.
Spendifique now lets you request the document straight from the line item. Pick the transaction on the bank or credit card statement, request the related invoice or receipt, and the responsible user is notified in the app and by email. They get a clear ask for exactly the document you need. The chasing that usually lives in your inbox and your head becomes an automated request tied to the specific transaction, which is a real time saver for whoever owns the books.
A new Documents section that sorts itself
Alongside statement matching, we rebuilt how documents come into Spendifique. There is a new section called Documents where you upload anything: bank statements, credit card statements, invoices, receipts, or a single file that contains a mix of all of them.
Spendifique uses AI to read what you dropped in and decide whether a file needs to be separated into individual documents. Then it routes each one to the right place. Bank and credit card statements go to the Statements section for matching. Invoices and receipts go to Expenses for processing. You do not have to pre-sort anything or upload to the correct area yourself. This builds on the same approach as our ability to split multi-invoice PDFs into separate invoices, now extended across every document type you handle.
Upload in bulk and watch the queue
You can now upload a large number of files at once. Spendifique queues them and processes them in order, and you see live progress for each file as it moves through.
The queue also surfaces anything that needs your input. When a file requires a decision before it can finish, that shows up right in the queue instead of failing quietly. For example, the first time you upload a statement from a new bank, Spendifique asks you to review and add the bank's details, such as its name and the general ledger (GL) account to use. Once you set that up, future statements from that bank flow through without asking again.
What Spendifique reads today, and what is next
Right now, Spendifique processes uploaded statements as PDFs, meaning the official statements your bank or card issuer produces. That covers the documents most bookkeepers already save each month.
We are expanding from there. On the roadmap:
- CSV statement files
- Online statements, meaning the transaction lists you export or view online
- Direct bank connections, so the transaction data comes in without a manual upload
The goal is to make getting statement data into Spendifique effortless no matter how you keep it, then let the matching engine do the reconciliation work.
Why this matters for your month-end
Two of the most repetitive jobs in bookkeeping are reconciling statements and collecting the documents behind each transaction. Both used to be manual, line by line. Now Spendifique reads the statement, suggests the matches, corrects FX entries to the real bank rate on confirmation, and lets you request any missing receipt without leaving the transaction. Your reconciliation turns into a review instead of a search.
For firms and solo bookkeepers, that is fewer hours per client and a faster, cleaner close. For business owners doing their own books, it is one less monthly chore that always ran long. And because Spendifique syncs to QuickBooks and can help you keep clean books in Google Sheets, the reconciled data does not get stranded in another tool.
Frequently asked questions
How do I match bank statement transactions to receipts in Spendifique?Upload the bank or credit card statement. Spendifique reads each line item and suggests the invoice or receipt already in your account that matches it. You confirm the suggestions individually or in bulk.
Can Spendifique reconcile credit card statements too, not just bank statements?Yes. Both bank statements and credit card statements are supported. Spendifique matches their line items to your receipts and invoices the same way.
How does Spendifique handle the FX rate difference on foreign transactions?When it recognizes a foreign exchange transaction and you confirm the match, it updates the expense entry to use the FX rate printed on your bank or credit card statement, replacing the placeholder system rate. There is no manual correction pass afterward.
How do I get a missing receipt from someone on my team?Select the transaction on the statement and request the related document. The responsible user is notified in the app and by email, so you no longer chase receipts manually.
What file types can I upload as a statement?Today, Spendifique processes official statements as PDFs. Support for CSV files, online transaction lists, and direct bank connections is on the roadmap.
Do I have to sort statements and receipts into the right place first?No. Upload everything to the Documents section, including files that mix statements and receipts. Spendifique separates them as needed and routes statements to Statements and receipts and invoices to Expenses.
Try it on your next statement
If reconciliation and receipt chasing are eating your month-end, this is the feature built to give that time back. Start a free trial and reconcile your next bank or credit card statement in Spendifique, then request any missing receipts in a couple of clicks.
