Reconcile the bank

Audience

Bookkeepers and accountants doing daily or weekly bank reconciliation.

PLANA's PSD2 connections pull bank transactions automatically. BOS shows them, the Finance agent helps you understand them, and the actual reconciliation step happens in PLANA Business Cloud.

The flow

PSD2 transaction lands in BOS
        │
        ▼
Finance agent helps match it to an invoice / bill
        │
        ▼
You open PLANA Business Cloud to apply the match
        │
        ▼
Reconciliation is recorded; the invoice / bill is marked paid

The reconciliation action stays in the ERP today because reconciliation is a fundamentally accounting operation, and the agent runs in Shadow Mode for write tools.

Step-by-step

1. Open the Banking view in BOS

Click Banking in the left sidebar. The default view shows:

• Connected accounts (per bank)
• Today's new transactions
• Last 30 days of transactions (paginated)

The right panel shows balance per account and consent status (when each consent expires).

2. Identify unreconciled transactions

Filter the transaction list by Reconciled: No. You see only the transactions that haven't been matched to an invoice, bill, or other journal entry in PLANA Business Cloud.

3. Ask the Finance agent for matches

Switch to Chat → Finance and type:

For each unreconciled bank transaction in the last 7 days, suggest the
likely matching invoice or bill.

The agent calls GetBankTransactions and ReconcileAccount for each transaction, returning a table:

Transaction	Amount	Memo	Suggested match	Confidence
2026-05-28 IN BGN 12,500 ACME	12,500	"INV-2026-05-22"	INV-2026-05-22 Acme Corp	High
2026-05-28 OUT BGN 4,800 SUPPL	4,800	"BILL #432"	BILL-2026-05-432 SuppCo	High
2026-05-29 IN BGN 7,200 —	7,200	(no memo)	INV-2026-05-31 Beta Group (partial match)	Medium

4. Apply the matches in PLANA Business Cloud

Click any suggested invoice / bill link. PLANA Business Cloud opens the reconciliation interface with the transaction pre-selected and the suggested match highlighted. Confirm or adjust:

• Confirm if the agent's match is right (one click)
• Adjust if the agent suggested the wrong invoice (the reconciliation screen lets you pick another)
• Split if the bank transaction covers multiple invoices

Click Reconcile in PLANA Business Cloud. The journal entry is posted; the invoice or bill is marked paid; the bank transaction is marked reconciled.

5. Handle the medium / low confidence matches

The medium-confidence ones often need a human eye:

• A customer paid with no reference
• An amount partially matches multiple open invoices
• The memo references an old purchase order

For these, open the bank transaction in PLANA Business Cloud and investigate manually. Often a customer phone call clears it up in 30 seconds.

6. Re-run the agent to confirm clean state

Back in BOS chat:

How many unreconciled transactions remain?

Aim for zero (or a known parking list of unclear ones).

Tips

• Daily rhythm beats weekly — reconciling every morning takes 5 minutes; once a week it takes 45 minutes
• Encourage customers to use the invoice reference in the bank memo — increases the agent's confidence to "High" automatically
• Watch for duplicate transactions — banks occasionally double-post on the PSD2 side; the agent flags potential duplicates
• Multi-currency — for EUR transactions on a BGN journal, the agent shows both currencies; reconcile against the EUR invoice value

What can go wrong

Issue	Resolution
Bank connection has expired	Reconnect via Banking → bank → "Re-authorize"
Transaction has no obvious match	Park it in a "to investigate" account; resolve weekly
The agent suggests a paid invoice	Means the invoice is already paid; check for duplicate transaction
The agent says "no candidates"	Most likely the invoice hasn't been created yet — issue it first

Where to read more

• Banking view — view-level reference
• Finance agent
• PLANA Business Cloud → Bank reconciliation
• Morning check-in