Bank vs Ledger

Bank-vs-ledger reconciliation works best when the ledger has stable payment IDs or references. Without a reliable reference column, Reconify falls back to name-token matching, which is slower and less precise.

Recommended pair settings

A two-day date window is common because ledgers often record posting dates one day after the bank value date.

pairs:
  bank_vs_ledger:
    left: bank
    right: ledger
    date_window: "2d"
    amount_tolerance_minor: 0
    name_mode: "none"

Use name_mode: "none" first. If ledger references are sparse, test tokens on a smaller sample before using it on a large dataset.

Ledger amount fields

The multiplier value depends on whether the ledger stores major or minor units.

Minor-unit ledger:

amount_col: "amount_minor"
multiplier: 1

Major-unit ledger:

amount_col: "amount"
decimal: "."
multiplier: 100

Practical checks

Before running the reconciliation, confirm these three things about your source exports.

• The bank and ledger use the same sign convention for credits and debits.
• Refunds and reversals are represented consistently across both sources.
• The ledger export does not include pending records that the bank cannot contain yet.