Product · Bank reconciliation

Every transaction matched to the right invoice.

Cortena brings your bank data in, lines each transaction up against the payables you already booked, and shows you what is matched, what is partial, and what still needs a look. Your cash balance stays current in real time.

Bank reconciliationDE89 3704 0044 · CommerzbankBalance · 34.489,30
11 MarHetzner Online GmbHSEPA · EREF H2-9201-197,42RE H2-9201 · €197,42 Matched
12 MarDHL Paket GmbHSEPA · EREF DHL-3390-142,60RE DHL-3390 · €142,60 Matched
12 MarElektro Bergmann GmbHSEPA · part payment-1.000,00RE-2026-4471 · €1.547,00Partial
12 MarSEPA-Gutschrift · Weezie BVcredit · no invoice+4.820,00No match yetUnmatched
13 MarTelekom DeutschlandSEPA · EREF TD-88213-89,00RE TD-88213 · €89,00Booked
1 partial · 1 unmatched left to reviewReconciled through 13 Mar
Matched, partial and unmatched are honest states. Nothing is forced to reconcile.
Statement imports

Bring statements in the format your bank gives you.

Cortena reads the standard European bank statement formats. Map the columns once and every future import follows the same shape, with duplicate transactions filtered out.

FormatFileWhen you use itColumn mapping
CSV.csvAny export from online banking or a spreadsheet.Point date, description and amount columns once. Saved per bank.
MT940.sta · .swi · .940The classic SWIFT statement most German banks still send.Parsed automatically, including value date and booking text.
CAMT.053.xmlThe ISO 20022 XML statement, now standard across the SEPA area.Structured out of the box, with end-to-end and mandate references.
No transaction imported twice

Every transaction carries a stable identifier built from its bank reference, value date and amount. Re-import the same statement, or an overlapping one, and Cortena recognises what it has already seen. Nothing is counted twice.

Refresh log · Commerzbank Up to date
08:00Scheduled refresh imported CAMT.053 · 24 new transactions
08:0022 matched to open invoices, 2 held for review
13:00Balance reconciled through 13 Mar
14:26Manual refresh by Marc Roth before the payment run
Refresh now Scheduled daily at 08:00
A record of every refresh, scheduled or manual.
Cash position

A real-time cash balance.

Cortena refreshes your accounts on a schedule and re-matches against your open payables, so your cash balance reflects reality, not last week. Need it now, before a payment run or a month-end check? Refresh by hand and matching runs again in seconds.

Scheduled

Set a daily rhythm per account. Cortena imports and re-matches without anyone lifting a finger.

Manual

One click pulls the latest statement and re-runs matching against your open payables.

Real-time balance

The cash balance and the open list reflect the latest refresh, so what you see is always current.

Bank connections

Connect your bank, or upload it yourself.

Bank feeds are live through our Yapily partnership, with more than 2,000 European banks connected. Connect your bank directly for automatic statements, or import files by hand. Whichever you prefer.

Live

Direct bank feed through Yapily, across more than 2,000 European banks.

Live

Manual upload of CSV, MT940 and CAMT.053, mapped once and de-duplicated.

Live

Reconciliation logic you configure with Cortena's agents and workflows.

Choose the way that fits you, and switch between a live feed and manual upload per account.

Questions

Bank reconciliation, answered.

  1. Cortena imports CSV, MT940 (.sta, .swi, .940) and CAMT.053 (.xml). CSV columns are mapped once per bank, while MT940 and CAMT.053 are parsed automatically with their value dates and references.

  2. Cortena lines each bank transaction up against the payables you have booked, using amount, reference and supplier. Each transaction is shown as matched, partial or unmatched, and you make the final call on anything it is unsure about.

  3. No. Every transaction gets a stable identifier from its bank reference, value date and amount. If you re-import the same or an overlapping statement, Cortena recognises the transactions it has already seen and skips them.

  4. You set a daily schedule per account, and you can refresh by hand at any time before a payment run or a month-end check. Every refresh is logged with the time it ran and what changed.

  5. Yes. The reconciliation logic is configurable with Cortena's agents and workflows, so how transactions match, the tolerances and the rules follow the way your team already works.

  6. Yes. Bank feeds are live through our Yapily partnership, covering more than 2,000 European banks, so statements arrive without a download. You can also import statements as files, whichever you prefer, per account.

  7. Still have a question?

See your own accounts reconcile.

Book a demo and bring a recent bank statement. We will import it, match the transactions to your invoices, and show you exactly what is left to review.

Book a demo