Menu
Processing 5,000+ transactions per second
ReconcileIQ

Match Your Bank to Your Books in Seconds, Not Hours.

Upload a bank statement and your accounting export. ReconcileIQ matches 5,000+ transactions per second, finds every discrepancy, and pushes fixes back to Xero, QuickBooks, Sage or Pandle. Part of the IQ Suite — reconcile here, then let CodeIQ automate the coding and LedgerIQ turn your GL into 40+ financial analytics. All three products, one subscription.

Try it Now
4.9/5 from 500+ reviews
Trusted by UK accountants & bookkeepers

Trusting the best in the business

QuickBooks
Xero
Sage
Pandle
FreeAgent
QuickBooks
Xero
Sage
Pandle
FreeAgent
QuickBooks
Xero
Sage
Pandle
FreeAgent
QuickBooks
Xero
Sage
Pandle
FreeAgent

Trusted by accounting professionals worldwide

AES-256 Encrypted
GDPR Compliant
Thousands of Active Users
Bank-Grade Security
Global Support

Seamless integrations with:

QuickBooks Xero Sage Pandle FreeAgent
Dual Reconciliation Engine

Two Powerful Methods. Both Included.

ReconcileIQ gives you professional-grade reconciliation for two critical workflows in one platform. Once reconciled, hand off to CodeIQ for automated coding or LedgerIQ for instant financial analysis.

1
Method 1

Bank Statement Matching

Match bank transactions against your accounting ledger at lightning speed. Perfect for end-of-period reconciliation.

5,000+ Transactions/Second
Process entire month in under 1 minute
Intelligent Fuzzy Matching
Handles batch payments, date variations, description differences
Universal Format Support
CSV, Excel, PDF (17+ banks), or API connections
Best for: Month-end reconciliation, general ledger matching
2
Method 2

Invoice-to-Payment Matching

Match outstanding invoices to incoming payments using advanced weighted algorithms. Ideal for AR/AP reconciliation.

Weighted Algorithm (60/35/5)
Amount match (60%), description similarity (35%), date proximity (5%)
Smart Description Parsing
Matches company names, invoice numbers, references automatically
150-Day Window
Finds payments made within 150 days of invoice date
Best for: Accounts receivable, payment allocation, AR aging cleanup
Both methods included in every plan. Switch between them instantly in the tool.
Try Both Methods Free
Simple Process

How ReconcileIQ works

Three ways to reconcile: Upload PDFs, connect via API, or use traditional CSV/Excel files

1

Choose Your Input Method

PDF Upload: Auto-converts 17+ banks
API Sync: Real-time with accounting platforms
CSV/Excel: Traditional file upload
2

Intelligent Processing

The system automatically detects columns, converts PDFs, maps fields, and prepares your data with intelligent pattern recognition.

3

Automated Matching

5,000+ transactions per second. Handles complex matches, batch payments, and date variations using intelligent pattern recognition.

4

Review & Export

Review matches and discrepancies. Push corrections back to your accounting software or export reports in PDF/CSV format. Or switch to CodeIQ to code everything automatically, then open LedgerIQ for full financial analysis.

Everything you need to reconcile faster.

We've packed ReconcileIQ with professional-grade tools designed to save you 50+ hours a month.

PDF Converter for 17+ Banks

Automated PDF parsing for 17+ banks. Or upload CSV from ANY bank - just need date, description, amount columns. We clean and format everything for instant reconciliation. The same converted data feeds seamlessly into CodeIQ for automated coding.

PDF Conversion
5,000 Transactions / Sec

Direct API Sync

Push matches directly to QuickBooks, Xero, and Sage with one click.

Bank-Grade Security

AES-256 encryption. ISO 27001 infrastructure. Your data is safe.

Intelligent Matching

Smart Matching Engine

Our system doesn't just match exact amounts. It recognizes patterns, handles date variances, splits batch payments, and learns from your history to suggest categorizations.

  • Fuzzy text matching
  • Date tolerance logic
  • Batch payment splitting
Intelligent Matching
Start Reconciling Now
Plans from
£5/month
View All Plans

Free to try — no credit card needed

Seamless Integrations

Works with your existing tools

Connect once — the same OAuth connection powers ReconcileIQ, CodeIQ, and LedgerIQ across the entire IQ Suite

Accounting Software

QuickBooks QuickBooks
Xero Xero
Sage Sage
Pandle Pandle

PDF Converter for 17+ Banks

ReconcileIQ works with ANY bank via CSV upload - just need date, description, and amount columns. Our PDF converter automatically handles these 17+ banks:

Lloyds
HSBC
NatWest
Barclays
Santander
RBS
Monzo
Starling
Tide
Metro
Halifax
TSB
Wise
Co-op
Virgin Money
+ More

Don't see your bank? Contact us and we'll add it within 48 hours.

For Every Professional

Built for finance professionals

Whether you're an accountant, bookkeeper, or business owner, ReconcileIQ scales with your needs

Accountants & Bookkeepers

Handle more clients efficiently with automated reconciliation. API integrations eliminate manual data entry for multiple client accounts. Use CodeIQ for the coding, LedgerIQ for client-ready analytics.

  • Multi-client workflow support
  • Professional reporting
  • Compliant audit trails

Accounting Practices

Scale your practice with standardised reconciliation workflows. Reduce errors and free up time for advisory services across your client base. Standardise workflows across all three IQ Suite products.

  • Team collaboration features
  • Standardised processes
  • Client portal access

Business Owners

Keep accurate financial records without the complexity. Connect directly to your accounting software for automated reconciliation. CodeIQ handles the bookkeeping; LedgerIQ shows you what the numbers mean.

  • Simple, intuitive interface
  • Real-time financial visibility
  • Anomaly detection alerts

Calculate your ROI

See how much money you're wasting on manual reconciliation.

10 Hours
£50 /hr

Time Comparison

Manual 10 hrs
With ReconcileIQ 0.5 hrs

95% time saved

Monthly Savings

£475

Annual Savings

£5,700

Time recovered: 9.5 hrs/month

Plus CodeIQ and LedgerIQ are included at no extra cost.

Frequently Asked Questions

Everything you need to know about ReconcileIQ

Bank reconciliation software automates the process of matching bank statement transactions with your accounting records. ReconcileIQ processes 5,000+ transactions per second, instantly identifying discrepancies with exceptional accuracy. You need it to save 50+ hours monthly, eliminate manual errors, and maintain compliance with accounting standards. With the IQ Suite, ReconcileIQ is just the beginning — CodeIQ automates the coding and LedgerIQ provides 40+ financial analytics.
ReconcileIQ works with ANY bank via CSV upload - you just need date, description, and amount columns. Our PDF converter automates this for 17+ banks including Lloyds, HSBC, NatWest, Monzo, Metro Bank, RBS, Wise, Starling, Tide, Barclays, Santander, Halifax, TSB, and more. We add new banks monthly based on user requests.
ReconcileIQ uses three methods: 1) Upload CSV/Excel files from ANY bank (just need date, description, amount columns), 2) Use our PDF converter for automated parsing of 17+ specific banks, or 3) Connect via API to QuickBooks, Xero, Sage, Pandle, FreeAgent, or other accounting software for real-time syncing. Our matching engine processes transactions at 5,000+ per second, matching even complex scenarios like batch payments and date variations. After reconciliation, CodeIQ can code the transactions and LedgerIQ analyses your financial data.
Yes. You can start a free trial to verify the workflow end-to-end before choosing a plan.
ReconcileIQ uses bank-level AES-256 encryption for all data. Files are processed in isolated environments and automatically deleted within minutes - we never store transaction data permanently. We're GDPR compliant, ICO registered, and working towards SOC 2 Type II certification. Your data is safer with us than on your own computer.
Average users save 50+ hours monthly. At £50/hour, that's £2,500+ monthly value. Our users report: 40% more client capacity, 95% reduction in reconciliation errors, 3-day month-ends reduced to 30 minutes, and ability to take on higher-value advisory work. The software pays for itself in the first hour of use.
Simple Pricing

From £5 per month

Start with our Starter plan or explore all tiers for practices and enterprises.

Starter

For freelancers and small businesses

£5 /mo

5,000 credits/month

  • ReconcileIQ core (PDF→CSV, high-speed matching)
  • CodeIQ Suggest (intelligent categorization)
  • LedgerIQ Full (30+ analysis modules)
Start free trial

Need more?

Explore Accountant, Practice, and Enterprise tiers with higher limits and advanced features.

Accountant: £15/mo • 25,000 credits

Practice Pro: £79/mo • 150,000 credits

Enterprise: £199/mo • 500,000 credits

View all pricing tiers →
Next: Automate the Coding

You've Reconciled. Now Let CodeIQ Code It.

ReconcileIQ found every discrepancy. CodeIQ takes over from here — coding each transaction, classifying VAT, and posting straight back to your platform. No manual data entry.

  • 7-phase intelligence pipeline learns your chart of accounts
  • Process 10 clients concurrently — under 2 minutes each
  • 95%+ coding accuracy from day one, improving with every correction
  • Auto-posts to QuickBooks, Xero, Sage and Pandle
  • Built-in VAT intelligence handles reverse charge, exempt and zero-rated
Explore CodeIQ — Included Free →
7-Phase Pipeline
One subscription. Three products. Every plan.
Then: Understand the Numbers

Data Reconciled. Now See What It Means.

Clean, reconciled data is only valuable if you can read it. LedgerIQ transforms any GL export into 40+ financial metrics — ratios, trends, anomaly flags, and board-ready reports — without re-entering a single figure.

  • 40+ analysis modules: DuPont, Altman Z-Score, CVP, cash flow and more
  • Works with Xero, QuickBooks, Sage and any CSV/Excel GL export
  • Established financial formulae — no black-box AI guesswork
  • RiQ AI explains every metric in plain English
  • One-click PDF board packs and Excel data exports
Explore LedgerIQ — Included Free →
2.4xCurrent
18.2%ROE
A+Z-Score
40+ Modules
Financial Intelligence

Ready to reclaim your time?

One subscription unlocks the complete IQ Suite — ReconcileIQ for matching, CodeIQ for automated bookkeeping, and LedgerIQ for 40+ financial analytics. Setup takes 30 seconds.

Get Started for Free

No credit card required • GDPR Compliant

Part of The IQ Suite

ReconcileIQ works alongside CodeIQ and LedgerIQ to give accountants and bookkeepers a complete financial automation ecosystem.

CodeIQ

Intelligent transaction coding and auto-posting to QuickBooks, Xero, Sage and Pandle.

 LedgerIQ

40+ financial analysis modules from any GL export. Ratios, forecasting, anomaly detection.
Back to The IQ Suite Home