# Bank reconciliation (match transactions to invoices)

Match bank transactions to invoices, credit notes, and payment advices.

Use **Banking** to link bank transactions to **payables (AP)**, **receivables (AR)**, **credit notes**, and **payment advices**, with a full transaction record in the match pane, suggested candidates, confidence hints, and lightbox previews.

**Who this is for:** AR/AP clerks and treasury users who reconcile incoming and outgoing payments daily, including teams on **Bank reconciliation workflow** automation.

Related: [Banks and data exchange](https://help.cortena.ai/guides/integrations/banks-data-exchange), [FinAPI](https://help.cortena.ai/guides/integrations/finapi), and [Payment advice workspace](https://help.cortena.ai/guides/advanced/payment-advice-workspace).

## 1. Open the match workspace

1. Select the correct **workspace** in the account menu.
2. Go to **Banking**.
3. Select one or more **bank accounts** (Open banking, spreadsheet, or FinAPI, same tenant only).
4. Click a **transaction** in the list to open the right-hand **Match** pane.

The pane shows the **full bank record** for the selected line:

- **From** / **To** account owners
- **From IBAN** / **To IBAN**
- **Reference**, **Description**, amount, date, **Source**

Use this block to verify counterparty details before linking.

## 2. Link to documents

Under **Match with**, Cortena suggests candidates in groups such as:

| Kind | Label in UI |
| --- | --- |
| Payables | **AP** |
| Receivables | **AR** |
| Credit notes | **Credit note** |
| Payment advices | **Payment advices** |

- Search by invoice number, customer, or amount.
- Select one or more rows and click **Link** (or **Link N selected**).
- For complex splits, use **Combo fit** when offered for multi-invoice allocation.

**Linked** rows show what is already tied to this transaction. Click an invoice name to open it; use **×** to **Unlink invoice**.

When a link was created automatically or in another system, the pane may show a **confidence** percentage and a short provenance line (e.g. **Matched automatically**, **Linked manually**, **Matched via payment advice**).

## 3. Already matched on candidates

Invoices or advices already tied to **another** bank transaction show an **Already matched** badge. Click the badge to focus related transactions in the list (avoid double-linking the same payment).

Invoices marked paid on the document (direct debit, card, etc.) may show a **Paid** badge. Review before linking again.

## 4. Payment advice and AR previews

For **Payment advice** or **AR** candidates, click the document name to open a **preview lightbox** (reference, amount, status) without leaving **Banking**. Use **Open full** to jump to the receivable or [payment advice workspace](https://help.cortena.ai/guides/advanced/payment-advice-workspace).

Payment advice lines can link many receivables to one bank inflow. The match pane lists advices separately from single-invoice **AR** rows.

## 5. Manual allocation and ignore

When no invoice fits:

1. Choose **Ignore** for bank fees or internal transfers (saved immediately; reversible later), or
2. Fill **Booking account** and **Reason / description**, then **Save allocation** for non-invoice postings.

Some tenants use **Bank reconciliation workflow** to require review before links are final. Status chips (**Review match**, **Complete match**, **AI match**, etc.) reflect workflow state.

Configure the workflow under **Workflow Configuration** → **Bank reconciliation workflow** tab.

## Tips and limitations

- All data is **tenant-scoped**. Switch workspace before reconciling another entity.
- Suggestions respect **currency**. Cross-currency linking may be limited.
- **Within 10%** and similar hints rank close amount matches. Always confirm counterparty and reference.
- Deep links from payment advices (`?transactionId=`) open **Banking** with the transaction selected.

Related: [Open items and payment write-back staging](https://help.cortena.ai/guides/advanced/open-items-write-back).

## Quick reference

| Task | Where |
| --- | --- |
| Reconcile | **Banking** → select account → select transaction |
| Full bank details | Match pane · **From** / **To**, IBANs, reference |
| Link AP/AR/PA | **Match with** → **Link** |
| Avoid duplicates | **Already matched** badge |
| Preview PA/AR | Click name → preview lightbox |
| Non-invoice line | **Booking account** · **Save allocation** or **Ignore** |
| Automation | **Bank reconciliation workflow** in **Workflow Configuration** |