Any bank, any format
Upload PDF, Excel or CSV statements, or set up an automatic feed where your bank supports it.
Page 03 · Bank Match
Every bank line, matched to its entry.
Upload statements or connect your current accounts. Bank Match pairs each credit and debit with an invoice, bill or expense, including UPI payments that arrive as a string of numbers. What matches is ticked. What doesn't waits for review, with a suggestion.
Before
- UPI 429817... who paid 1,24,000?
- NEFT to Gir Ice - which bill?
- bank charges 118 again
- cheque 004512 not cleared
Bank MatchHDFC currentSBI CCUPISomnath Marine Exports · Oct 2026
471of 486 lines matched
15 for reviewUPI/CR/429817/patelfish@okhdfc+1,24,000.00Receipt · Patel Fish Traders · INV 0398
NEFT/DR/GIR ICE AND COLD-50,150.00Payment · Gir Ice & Cold Storage · bill 1192
RTGS/CR/GULF OCEAN FOODS+34,46,235.00Receipt · KT/EXP/26-27/0412
CHRGS/SMS ALERT Q3-118.00Suggested: Bank charges
UPI/DR/889120/9824xxxx41@ybl-6,400.00Closest: Diesel, Jay Ambe Fuels
What Bank Match does
Everything on this page of the ledger
UPI that makes sense
UPI references, VPAs and short narrations are matched to customers and suppliers you already have.
One to many, many to one
A single receipt against five invoices, or three part payments against one bill.
Rules for repeat lines
Bank charges, rent, salaries and loan EMIs are booked by rules you set once.
Review with a suggestion
Unmatched lines show the closest invoices or bills, so review takes a click instead of a search.
Reconciliation statement
Book balance, bank balance and the cheques in between, ready for the month-end file.
How it works
Four entries, start to finish
- 1
Bring the statement in
Upload the month or let the feed bring new lines in every day.
- 2
Auto match
Amounts, dates, references and party names are compared with open invoices and bills.
- 3
Review the rest
Lines that need a person show the best suggestions first.
- 4
Close the month
When book and bank balances agree, the month is marked reconciled.
In detail
How a line gets matched
Each line is tried against these checks in order. The first one that fits with confidence wins. Anything less goes to review.
01Exact matchSame amount and reference as an open invoice or bill
02Party matchUPI ID or account name linked to a known customer or supplier
03Part paymentAmount is less than the invoice, and the balance stays open
04Combined paymentOne credit settles several invoices, oldest first or as you choose
05RuleRepeating lines like bank charges or rent, posted by your rules
06ReviewNothing fits well enough, so a person decides
Questions
Asked about Bank Match
01Do I have to share my net banking password?
No. You upload statements, or connect a read-only feed where your bank offers one. Kubertree never asks for net banking passwords.
02What about cash and petty cash?
Cash book entries are kept alongside. Cash deposits and withdrawals in the bank statement are matched to them.
03Can we match several bank accounts?
Yes. Each current account, OD or CC account has its own match screen and reconciliation statement.