---
title: "Bank Statements"
space: "ERPNext"
url: "https://www.prilk.com/docs/erpnext/bank-statements"
updated: "2026-05-15"
---

## Bank Statements

Processing your bank statement is where most of your bookkeeping happens — every line is either a customer payment, supplier payment, bank fee, or other transaction that needs to be recorded.

### Two ways to process

**Manual:** open Payment Entries one by one for each line on your bank statement, mark which invoices they settle.

**Bank Reconciliation Tool:** upload your bank statement (CSV or MT940 from most Dutch banks), ERPNext matches transactions to existing Payment Entries or helps you create them. Much faster for high-volume.

### Using the Bank Reconciliation Tool

**Bank Reconciliation Tool**:

1. Pick your **Bank Account** (matches the bank account in ERPNext)
2. **From / To Date** range
3. **Upload Bank Statement** — CSV exported from your bank's portal, or MT940 from many Dutch banks

ERPNext lists every transaction from the statement and tries to auto-match each to:
- An existing Payment Entry (because you already recorded it)
- A Sales Invoice (so it can suggest creating a Payment Entry)
- A Purchase Invoice (same)

For each line you can:
- **Reconcile** — match to an existing entry
- **Create Payment Entry** — make a new one inline
- **Skip** — for transfers between your own accounts, bank fees, etc. (handle via Journal Entry)

### Matching rules

The tool matches on:
- Amount
- Date (within a tolerance you set)
- Reference number (if the bank line carries it)
- Customer / Supplier name in the description

You can tune the matching rules per bank account.

### Bank file formats

Most Dutch banks export:
- **CSV** — generic, supported by all banks
- **MT940** — older standard but very common with ING, ABN AMRO, Rabobank
- **CAMT.053** — the newer SEPA standard, used by all major NL banks

ERPNext parses all three. Pick the format your bank gives you cleanest exports for.

### Frequency

Best practice: reconcile **weekly**. Easier to spot a missing entry when there are 20 lines to review than when there are 400 at month-end.

### Common situations

- **Bank line is a transfer between two of your accounts** — make a Journal Entry that debits one bank account and credits the other; reconcile both bank lines against the same Journal Entry
- **Bank line is a fee** — create a Journal Entry (debit Bank Charges, credit Bank Account); reconcile
- **Bank line for a customer who paid the wrong amount** — create the Payment Entry with the actual amount; if underpaid, the invoice becomes Partly Paid (the customer owes the rest)